Shows
PaymentsJournalACH and the Path Toward Future-Ready PaymentsACH is a critical part of the U.S. payment infrastructure, driving a significant portion of transaction volumes and supporting important use cases such as supplier payments, payroll, and many others. Despite competition from newer rails that serve similar purposes, ACH continues to grow at a remarkable pace.
In a PaymentsJournal Podcast, Radha Suvarna, Chief Product Officer of Payments at Finastra, and James Wester, Co-Head of Payments at Javelin Strategy & Research, examined why ACH payments have remained so resilient and valuable, and highlighted the benefits for financial institutions considering offering ACH payments to their customers.
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2026-03-0219 minPaymentsJournalNot Just Another Bank: How Credit Unions Can Reach Younger MembersCredit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the kind of guidance credit unions excel at providing, they often perceive credit unions as just another bank.
In a recent PaymentsJournal podcast, Velera’s Tom Pierce, Chief Marketing and Communications Officer, and Carrie Stapp, Vice President of Marketing, along with Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, analyzed two Velera studies—Eye on Paymen...
2026-02-2521 min
The PaymentsJournal PodcastNot Just Another Bank: How Credit Unions Can Reach Younger Members
Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the kind of guidance credit unions excel at providing, they often perceive credit unions as just another bank.
In a recent PaymentsJournal podcast, Velera’s Tom Pierce, Chief Marketing and Communications Officer, and Carrie Stapp, Vice President of Marketing, along with Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, analyzed two Velera studies—Eye on Paymen...
2026-02-2521 minThe PaymentsJournal PodcastEscalating Scams Demand a Dedicated Response
Scams have become universal, affecting all types of consumers and every kind of organization. This has placed tremendous pressure on financial services firms, which often bear the brunt of the financial losses, to develop strong fraud prevention strategies to protect their customers.
In a recent PaymentsJournal podcast, Raj Dasgupta, Vice President of Product Marketing at BioCatch, and Suzanne Sando, Lead Fraud Analyst at Javelin Strategy & Research, discussed the evolving forms of scams, the varying global approaches to fraud prevention, and how financial institutions can develop a blueprint to combat these threats.
Inundated at Every Turn
2026-02-2429 minPaymentsJournalEscalating Scams Demand a Dedicated ResponseScams have become universal, affecting all types of consumers and every kind of organization. This has placed tremendous pressure on financial services firms, which often bear the brunt of the financial losses, to develop strong fraud prevention strategies to protect their customers.
In a recent PaymentsJournal podcast, Raj Dasgupta, Vice President of Product Marketing at BioCatch, and Suzanne Sando, Lead Fraud Analyst at Javelin Strategy & Research, discussed the evolving forms of scams, the varying global approaches to fraud prevention, and how financial institutions can develop a blueprint to combat these threats.
Inundated at Every Turn
2026-02-2429 minPaymentsJournalHow Developers Are Driving the Future of Embedded PaymentsEvery year, billions of dollars vanish at the final step of online shopping, not because consumers change their minds, but because of hurdles within the checkout experience. Despite decades of innovation in payments technology, many shoppers still walk away when checkout feels slow or overly complex, costing businesses an estimated $260 billion annually.
The answer may lie in the growing influence of developers as companies build embedded payment platforms. In a PaymentsJournal Podcast, Bryan Long, Senior Director of Product Management at North, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed how developers are driving...
2026-02-1917 minThe PaymentsJournal PodcastHow Developers Are Driving the Future of Embedded Payments
Every year, billions of dollars vanish at the final step of online shopping, not because consumers change their minds, but because of hurdles within the checkout experience. Despite decades of innovation in payments technology, many shoppers still walk away when checkout feels slow or overly complex, costing businesses an estimated $260 billion annually.
The answer may lie in the growing influence of developers as companies build embedded payment platforms. In a PaymentsJournal Podcast, Bryan Long, Senior Director of Product Management at North, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed how developers are driving...
2026-02-1917 minThe PaymentsJournal PodcastThe Gift Card Shift: From Convenience to Core Shopping Strategy
The past holiday season didn’t just test consumer wallets—it revealed how dramatically shopping behavior is evolving. As inflation-weary shoppers searched for flexibility, value, and convenience, gift cards emerged as a central tool in how consumers planned, budgeted, and ultimately gifted. From promotion hunting to increased reliance on AI, the behaviors that defined the season are poised to shape retail for years to come.
In a recent PaymentsJournal podcast, Sarah Kositzke, Director of Research at Blackhawk Network (BHN) and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research discussed the accuracy of holiday shopping predictions, evolving cons...
2026-02-1828 minPaymentsJournalThe Gift Card Shift: From Convenience to Core Shopping StrategyThe past holiday season didn’t just test consumer wallets—it revealed how dramatically shopping behavior is evolving. As inflation-weary shoppers searched for flexibility, value, and convenience, gift cards emerged as a central tool in how consumers planned, budgeted, and ultimately gifted. From promotion hunting to increased reliance on AI, the behaviors that defined the season are poised to shape retail for years to come.
In a recent PaymentsJournal podcast, Sarah Kositzke, Director of Research at Blackhawk Network (BHN) and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research discussed the accuracy of holiday shopping predictions, evolving cons...
2026-02-1828 minThe PaymentsJournal PodcastFrom Cross-Border Payments to Community Banks: The Future of Zelle®
In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities.
In a PaymentsJournal Podcast, Tina Shirley, Senior Director of Product for Fiserv, and Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed how Zelle has become a prominent part of the U.S. financial landscape and how it’s positioned for even greater growth.
A Strong Growth Story
The numbers for Zelle tell an impressive story. In th...
2026-02-1708 minPaymentsJournalFrom Cross-Border Payments to Community Banks: The Future of Zelle®In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities.
In a PaymentsJournal Podcast, Tina Shirley, Senior Director of Product for Fiserv, and Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed how Zelle has become a prominent part of the U.S. financial landscape and how it’s positioned for even greater growth.
A Strong Growth Story
The numbers for Zelle tell an impressive story. In th...
2026-02-1708 minPaymentsJournalStablecoins and the Future of B2B Payments: Faster, Cheaper, BetterPaying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will settle.
By contrast, stablecoin payments are immediate, transparent, and less expensive. Designed to maintain a consistent value and typically backed by U.S. dollar reserves, they combine the reliability enterprises expect from traditional currencies with the speed and transparency of digi...
2026-02-0528 min
PaymentsJournalStablecoins and the Future of B2B Payments: Faster, Cheaper, BetterPaying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will settle.
By contrast, stablecoin payments are immediate, transparent, and less expensive. Designed to maintain a consistent value and typically backed by U.S. dollar reserves, they combine the reliability enterprises expect from traditional currencies with the speed and transparency of digi...
2026-02-0528 minThe PaymentsJournal PodcastStablecoins and the Future of B2B Payments: Faster, Cheaper, Better
Paying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will settle.
By contrast, stablecoin payments are immediate, transparent, and less expensive. Designed to maintain a consistent value and typically backed by U.S. dollar reserves, they combine the reliability enterprises expect from traditional currencies with the speed and transparency of digi...
2026-02-0528 minPaymentsJournalMulti-Acquiring Is the New Standard—Are Merchants Ready?Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations.
For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring is no longer just a European necessity. Many U.S.-based companies have embraced this model to support transactions across e-commerce, in-store, and mobile apps. Tier 1 US merchants are doing business across Europe, with many doing business worldwide, running into the same requirements a...
2026-02-0324 minThe PaymentsJournal PodcastMulti-Acquiring Is the New Standard—Are Merchants Ready?
Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations.
For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring is no longer just a European necessity. Many U.S.-based companies have embraced this model to support transactions across e-commerce, in-store, and mobile apps. Tier 1 US merchants are doing business across Europe, with many doing business worldwide, running into the same requirements a...
2026-02-0324 minPaymentsJournalMulti-Acquiring Is the New Standard—Are Merchants Ready?Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations.
For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring is no longer just a European necessity. Many U.S.-based companies have embraced this model to support transactions across e-commerce, in-store, and mobile apps. Tier 1 US merchants are doing business across Europe, with many doing business worldwide, running into the same requirements a...
2026-02-0324 minPaymentsJournalWhat’s Driving the Rapid Growth in ACH PaymentsThe ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%.
This growth reflects the continued expansion of ACH use cases across the payments space. In a PaymentsJournal Podcast...
2026-02-0215 minThe PaymentsJournal PodcastWhat’s Driving the Rapid Growth in ACH Payments
The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%.
This growth reflects the continued expansion of ACH use cases across the payments space. In a PaymentsJournal Podcast...
2026-02-0215 minPaymentsJournalWhat’s Driving the Rapid Growth in ACH PaymentsThe ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%.
This growth reflects the continued expansion of ACH use cases across the payments space. In a PaymentsJournal Podcast...
2026-02-0215 minPaymentsJournalWhy the Future of Financial Fraud Prevention Is PasswordlessFraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny.
In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product and Innovation Officer at CompoSecure and Arculus, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, explored the rising fraud challenges facing financial institutions and how some of the latest solutions may be inspired by innovations in retail.
...
2026-01-2914 minThe PaymentsJournal PodcastWhy the Future of Financial Fraud Prevention Is Passwordless
Fraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny.
In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product and Innovation Officer at CompoSecure and Arculus, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, explored the rising fraud challenges facing financial institutions and how some of the latest solutions may be inspired by innovations in retail.
2026-01-2914 minPaymentsJournalWhy the Future of Financial Fraud Prevention Is PasswordlessFraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny.
In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product and Innovation Officer at CompoSecure and Arculus, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, explored the rising fraud challenges facing financial institutions and how some of the latest solutions may be inspired by innovations in retail.
2026-01-2914 minThe PaymentsJournal PodcastWhen Can Payments Trust AI?
Banks are no strangers to artificial intelligence. For years, machine learning and deep learning models have quietly powered fraud detection, transaction monitoring, and risk analysis. But the industry is now approaching a more consequential shift: agentic AI—systems that don’t just analyze data, but can act on it. With that shift comes a fundamental question about how much authority banks are prepared to give to machines.
Trust sits at the center of the debate. Is AI ready to be trusted with decisions that carry financial and regulatory consequences? That question was featured prominently in a recent conv...
2026-01-2826 minPaymentsJournalGetting Out in Front of Instant Payments—Before It’s Too LateIn today’s world, nearly anything a business or individual desires is available instantly. Yet, for most, receiving a payment still takes two to three days to clear, despite the availability of instant payments networks such as FedNow.
What will it take for instant payments to reach a tipping point and become a standard expectation? In a PaymentsJournal Podcast, Justin Jackson, Head of Enterprise Payment Solutions, Digital Payments at Fiserv, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed potential triggers for an inflection point for FedNow and other instant payment methods, and how financial in...
2026-01-2125 minPaymentsJournalFaster Payments Demand Faster Fraud DetectionThe rise of artificial intelligence is coinciding with a shift toward instant payments that are increasingly difficult to stop once fraud occurs. Real-time payments put a stopwatch on fraud prevention, leaving businesses with only moments to detect and respond to suspicious activity.
Striking the right balance between frictionless customer experiences and strong controls is becoming a critical challenge for businesses. In a recent PaymentsJournal Podcast, Dal Sahota, Global Director of Trusted Payments at LSEG Risk Intelligence, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, discussed the importance of collaboration and highlighted how AI...
2026-01-1326 minPaymentsJournalThe Biggest Bottleneck in Commercial Banking? OnboardingDigital banking has trained consumers to expect speed, simplicity, and instant results. Yet, when those same expectations reach the commercial side of the house, many financial institutions fall short—leaving business clients stuck in slow, manual onboarding journeys that drive up costs and frustration.
In a recent PaymentsJournal podcast, Penny Townsend, Co-Founder and Chief Payments Officer at Qualpay, and Hugh Thomas, Lead Commercial and Enterprise Payments Analyst at Javelin Strategy & Research, discussed the common challenges that often hinder commercial banking onboarding and explored how organizations can meet rising customer expectations while still maintaining compliance.
Bridging Gaps in...
2025-12-1728 minPaymentsJournalConversational Payments: The Next Big Shift in Financial ServicesAs payments have evolved from cash and checks to cards and digital payments, something essential has been lost: the human touch. Yet consumers are not data points—they crave payments experiences that’s fast, secure, and effortless, and when they do need support, they want it to shift seamlessly into something personalized and attentive to their needs.
In a recent PaymentsJournal podcast, Robyn Burkinshaw, CEO and Founder at BlytzPay, and Christopher Miller, Lead Emerging Payments Analyst at Javelin Strategy & Research, discussed the current gaps in the payments landscape, what an ideal model for more human transactions could look like, and how organizations c...
2025-12-0421 minPaymentsJournalInside the Embedded Finance Shift Transforming SMB SoftwareRunning a small business is hard enough—juggling operations, customers, and cash flow. Now imagine software that not only streamlines day-to-day work but also provides the financial tools needed to grow. That’s the promise of embedded finance.
In a recent PaymentsJournal podcast, Ian Hillis, SVP of Growth at Worldpay, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, examined the emerging embedded finance landscape, the value it offers merchants and software providers, and what the future holds for small- to medium-sized businesses (SMBs) embracing this new paradigm.
Speaking the Language
Two forces are...
2025-12-0320 minPaymentsJournalThe Rise of Smarter Cybercriminals Demands Stronger Fraud DefensesCreating a synthetic identity used to be the realm of seasoned hackers, but now it can be done with a few simple prompts. Just as artificial intelligence has fueled countless business innovations, it has also been a boon for bad actors—allowing cybercriminals to commit fraud at a fraction of the cost and with greater sophistication.
In a recent PaymentsJournal podcast, Danica Kleint, Product Marketing Manager for Fraud Solutions at Plaid, and Jennifer Pitt, Senior Fraud Management Analyst at Javelin Strategy & Research, examined how AI is rendering fraud-fighting methods obsolete, and the tools and techniques organizations can use to defend ag...
2025-11-2000 minPaymentsJournalThe Information Age: How Credit Unions Can Maximize the Impact of Their DataFrom transforming member experiences to building a culture of information literacy, data has become a catalyst for innovation at credit unions. New use cases are constantly emerging for organizations willing to explore them, and artificial intelligence will only increase their value.
In a PaymentsJournal Podcast, Jeremiah Lotz, Senior Vice President of Experience Design and Enterprise Data at Velera, and Christopher Miller, Lead Analyst of Emerging Payments at Javelin Strategy & Research, explored how credit unions are collecting and leveraging data to improve efficiency and better serve their members.
Data As an Asset
Forward-thinking credit unions view t...
2025-11-1322 minPaymentsJournalHow FIs Can Prepare for the Surge in Agentic Commerce-Driven DisputesThe next iteration in the rapid evolution of artificial intelligence has arrived, and organizations are racing to harness the potential of AI agents to create a dynamic new shopping experience. However, as powerful as agentic commerce can be, the road to adoption won’t be without hiccups—many of which will lead to a surge in disputes.
In a recent PaymentsJournal podcast, Joseph McLean, CEO and Co-Founder of Quavo, and Christopher Miller, Emerging Payments Analyst at Javelin Strategy & Research, discussed the challenges that can arise in the agentic commerce dispute process, the steps financial institutions can take to p...
2025-11-0321 minPaymentsJournalDriving Hyper-Personalization in Digital Banking using AIAcross shopping, streaming, and social media, consumers have grown used to receiving personalized recommendations powered by artificial intelligence. While some may feel less comfortable with AI taking on a similar role in their banking experience, a hyper-personalized digital banking platform can deliver far greater value than simply suggesting the next show to binge.
In a recent PaymentsJournal podcast, Fiserv’s Whitney Stewart Russell, President of Digital and Financial Solutions, and Sean Calhoun, Vice President and General Manager of Digital Banking, along with Christopher Miller, Emerging Payments Analyst at Javelin Strategy & Research, discussed the evolving digital banking landscape, th...
2025-10-2812 minPaymentsJournalWhy Alternative Payment Methods Are No Longer “Alternative”Different payment methods have gained popularity in different parts of the world. For example, buy now, pay later is widely used in Australia and the Nordics, while account-to-account payments lead the way in the Netherlands and Brazil.
As commerce becomes increasingly globalized, merchants everywhere must adapt to these local payment preferences—or risk losing customers.
In a PaymentsJournal Podcast, Tulio Gambogi, Head of Alternative Payment Methods at Worldpay, David Sykes, Chief Commercial Officer at Klarna, and Don Apgar, Director of the Merchant Practice at Javelin Strategy & Research, discussed the challenge of keeping pace with the wi...
2025-10-2721 minPaymentsJournalHow Dark Web Intelligence Is Key to the Fight Against InfostealersCybercriminals have been after personal data for years, but new technology is giving them a dangerous boost. Infostealers—malware that extracts sensitive data like passwords and credit card numbers—are becoming one of today’s biggest online threats because they are easy to use and hard to spot.
While conversations about online safety often peak during Cybersecurity Awareness Month, the reality is that vigilance is needed year-round. In a recent PaymentsJournal podcast, Tracy Goldberg, Director of Cybersecurity at Javelin Strategy & Research, discussed the damage infostealers can cause, how consumers can protect themselves, and how dark web threat intell...
2025-10-2413 minPaymentsJournalWhat’s New at Nacha’s Smarter Faster Payments ConferenceAs dynamic technologies continue to revolutionize the payments space, conferences have become a critical way for payments professionals to stay informed and share their expertise. One of the signature events of the payments space is Nacha’s Smarter Faster Payments 2026, which will take place in San Diego from April 26-29, 2026.
In a recent PaymentsJournal podcast, Stephanie Prebish, AAP, AFPP, APRP, CTP, Senior Managing Director of Association Services at Nacha, and Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, discussed the wide range of educational tracks and networking opportunities available at the conference—and...
2025-10-2308 minPaymentsJournalFrom Gift to Growth Engine: Exploring the Gift Card EvolutionGift cards have evolved from being a thoughtful, last-minute birthday gift into a mature industry that’s helping companies build loyalty both inside and outside their organizations. Their use cases are expanding rapidly, offering innovative ways for business to not only reward employees but also strengthen their bottom line.
In a PaymentsJournal Podcast, Samara Swenson, U.S. Senior Marketing Manager at Prezzee, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed how businesses can tap into this dynamic new landscape for prepaid cards.
A Strong and Growing Market
According to Javelin, the prepaid ma...
2025-10-2217 minPaymentsJournalMaking Cross-Border Payments Work at Smaller FIs—as Originating Institutions or Correspondent BanksFor decades, typically large regional or money center banks served as correspondent banks that enabled smaller banks to offer cross-border payments. It was rare for credit unions, community banks, and other smaller financial institutions to offer cross-border payments. And if they did, it was a money-losing proposition, offered out of necessity to prevent their customers from leaving for larger banks.
It’s notable that the problem for originating institutions has become much worse. Over the past decade, the number of correspondent banks supporting originating institutions for cross-border payments has fallen by more than 25%, even as international bank tr...
2025-10-1530 minPaymentsJournalBanking, Reimagined: The Role of ITMsAs more people choose to bank online, the role of the traditional branch has undergone a transformation. Once the go-to place for every financial need, the branch is now primarily a hub for more complex transactions that can’t be completed digitally or at an ATM.
At the center of this evolution is the interactive teller machine (ITM), which enables customers to connect with a live teller at any time of day, regardless of their distance from a physical branch. In a PaymentsJournal Podcast, Fiserv’s Chris Geganto, Senior Director of Product Strategy, and Craig Demetres, Vice Pres...
2025-10-1422 minPaymentsJournalThe Invisible Checkout: Embedded Payments Transform Small BusinessAlmost without notice, disappearing payments have shifted from novelty to expectation in small business transactions. A traveler arrives at an airport, books a rideshare, and checks into a hotel—never pulling out a wallet or handing over a card. The transaction happens seamlessly, almost invisibly.
The same technology fueling consumer-facing apps is now within reach for small businesses. Research from Worldpay shows that 90% of small businesses consider embedded finance—the integration of financial services, including payments, directly into non-financial offerings—essential to their growth. In a PaymentsJournal podcast, Matt Downs, Group President of Worldpay for Platforms, and Christ...
2025-10-0122 minPaymentsJournalWith Rising Compliance Demands, Reconciliation and Reporting Take Center StageMany organizations treat their reconciliation and reporting as mere check-the-box activities, investing only the bare minimum to remain compliant. However, companies that deprioritize these critical back-office functions risk being caught unprepared when faced with a more stringent regulatory environment.
In a recent PaymentsJournal podcast, Roger Binks, Chief Commercial Officer at Kani, and James Wester, Co-Head of Payments at Javelin Strategy & Research, explored the current state of the back office, the challenges organizations face, and how businesses can modernize their reconciliation and reporting functions amid regulatory headwinds.
A Traceable and Consistent Baseline
Research from Kani found...
2025-08-1322 minPaymentsJournalWhat Texans Credit Union Learned from Upgrading its General LedgerWhen credit unions look for ways to improve service for their members, accounting systems may not be the first thing that comes to mind. But when Texans Credit Union upgraded its accounting platform, the benefits cascaded throughout the organization—saving money, streamlining operations, and even boosting morale.
In a PaymentsJournal Podcast, Tracy Montez, SVP, Controller at Texans Credit Union, and LaChrisha Dourisseau, Vice President of Solution Consulting at Fiserv, shared a behind-the-scenes look at their migration to a new account platform, Prologue Financials. They were joined by James Wester, Co-Head of Payments at Javelin Strategy & Research, who co...
2025-08-0617 minPaymentsJournalWhy More Merchants Are Centralizing Their Payments InfrastructureAs the technology behind payments processing accelerates, it’s also reshaping how merchants need to think about the ways their customers pay. Increasingly, acquirers are discovering that by focusing on areas like reconciliation and streamlining the payments workflow, they can build stronger relationships—not only with their customers, but also with their employees.
In a PaymentsJournal podcast, Highnote’s Chief Revenue Officer, TJ Grissom, and James Wester, Co-Head of Payments at Javelin Strategy & Research, to explore how Highnote is helping drive the unification of the payments workflow and the benefits this trend is bringing to retailers and other...
2025-08-0515 minPaymentsJournalSorting the Scams: The Many Faces of Consumer-Engaged FraudA consumer purchases a product and receives exactly what was described. However, they experience buyer’s remorse and want to return it. Unsure if they’ll be refunded, they falsely report the transaction as fraudulent instead.
This kind of misuse may seem minor on its own, but it is part of consumer-engaged fraud—a category often mislabeled and misunderstood.
In a recent PaymentsJournal podcast, Nicole Reyes, Managing Vice President of Risk Operations at Velera, and Suzanne Sando, Lead Fraud Management Analyst at Javelin Strategy & Research, discussed how to differentiate types of consumer-engaged fraud, the emerging threat...
2025-07-3123 minPaymentsJournalTurning Fraud Disputes Into a Win for BanksFinancial institutions are among the most trusted entities in the world. Consumers believe their banks act in their best interests—especially when it comes to protecting them from fraud. They expect strong, effective solutions that support their everyday financial activities, safeguard their accounts, and secure their identities.
But trust isn’t automatic—it must be earned. Nowhere is this more true than in the fraud dispute process. In a PaymentsJournal Podcast, Ryan Sorrels, CRO at Quavo, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, discussed how, instead of letting disputes drive customers away, banks...
2025-07-3018 minPaymentsJournalUnlocking Profit: How Data Mining Transforms Card Portfolio StrategiesOne of the most important resources for any card portfolio manager is understanding cardholders’ spending patterns. This requires not just full access to data, but also the ability to interpret what the data reveals.
Growing business intelligence tools like Card ExpertSM from Fiserv are helping issuers gain deeper insight into their customer base, allowing them to serve cardholders more effectively.
In a PaymentsJournal Podcast, Janine Wilson, Director of Data Solutions at Fiserv, discussed innovative ways financial institutions are now leveraging cardholder data. She was joined by Deana Bartel, Vice President of Payment Services at Randolph-Brooks Fe...
2025-07-2920 minPaymentsJournalA Fragmented Accounts Payable Process Is a Liability in More Ways Than OneAt best, an inefficient accounts payable process can result in delayed payments or limited visibility into spending. At worst, it could lead to misrouted payments and an increased probability of fraud. Yet many organizations still rely on outdated AP processes—jeopardizing relationships with the suppliers that keep their business moving.
In a recent PaymentsJournal podcast, Marchelle Becher, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the obstacles businesses face in the AP process, the role of prepaid and virtual cards in payouts, and how a unified pa...
2025-07-2221 minPaymentsJournalBeyond Plastic: Why Digital Cards Are the FutureDigital cards saw a significant boost in adoption during the pandemic, initially driven by necessity. However, it quickly became clear that hygiene was just one of many benefits—and not even the most compelling one. Both consumers and retailers have found digital to be faster, more cost-effective, and more efficient than traditional physical options.
In a PaymentsJournal podcast, Fiserv’s Wesley Suter, Senior Director of Product, and Kush Patel, Senior Product Advisor, as well as Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed the advantages digital cards offer over their physical counterparts, and how banks can...
2025-07-0820 minPaymentsJournalWhat to Expect When Nacha’s Fraud Monitoring Rules Take EffectWhen a financial institution’s customer is tricked into sending a payment, there has often been little recourse for the victim. As credit push fraud becomes increasingly prevalent—amplified by sophisticated technologies—the financial services industry must strengthen its protections.
This is why Nacha has developed a framework of fraud management rules that will go into effect next year. In a recent PaymentsJournal podcast, Devon Marsh, Managing Director, ACH Network Rules & Risk Management at Nacha, and Elisa Tavilla, Director of Debit Payments at Javelin Strategy & Research, examined the requirements of the new rules and the steps financial instit...
2025-07-0117 minPaymentsJournalDon’t Just React to What’s Next in Payments—Anticipate ItFor years, many businesses proclaimed they would never transition their payments to SaaS. Even as everything else moved to the cloud, financial professionals remained adamant that payment services and data would stay in-house. The data was considered highly sensitive, and few were willing to risk storing it outside their walls.
But the benefits of Payments-as-a-Service (PaaS) have upended that thinking. More organizations are now realizing that leveraging external providers is transforming their payment structures—both for today and the future. In a Payments Journal Podcast, Mike Vigue, Head of Product at Finastra, and James Wester, Co-Head of Pa...
2025-06-3015 minPaymentsJournalHow Embedded Payments Is Optimizing the Expense Management ProcessOrganizations routinely ask employees to take clients out to lunch or attend industry conferences. Yet the expense management process designed to support these essential functions is often manual, time-consuming, and prone to delays, errors, and misuse.
In a recent PaymentsJournal podcast, Susie Shyatt, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the common challenges businesses face in managing expenses—and how embedded payments can help streamline this inefficient process.
Expense Reimbursement Vs. Corporate Cards
One of the most common issues in the expense management pr...
2025-06-2516 minPaymentsJournalHow Banks Can Bring Small Businesses Back to the FoldThe relationship between financial institutions and small businesses has grown increasingly strained. Many small businesses are becoming dissatisfied with their payment and banking services. In fact, more than half obtain their merchant payment accounts from providers other than their primary bank.
In a PaymentsJournal podcast, Fiserv’s Tim Ruhe, Head of FI Payment Strategy, AJ Levin, Senior Director for Small Business Market Strategy, and Don Apgar, Director of the Merchant Payments Practice at Javelin Strategy & Research, discussed why small businesses are turning to fintechs for payment services and what banks need to do to remain competitive in th...
2025-06-2417 minPaymentsJournalTaking the Check Out of Paycheck: The Role of Prepaid in PayrollThe traditional model of biweekly or monthly physical check payouts is rapidly becoming a thing of the past. For businesses, moving away from checks results in lower processing costs and a reduced risk of check fraud.
While direct deposit offers clear benefits for employees, it’s not always their preferred method of receiving pay. In today’s competitive labor market, an organization’s compensation model can serve as a key differentiator.
In a recent PaymentsJournal podcast, Kristin Ridgway, Vice President of Treasury and Payment Solutions at U.S. Bank, and Jordan Hirschfield, Director of Prepaid at Jav...
2025-06-1621 min
PaymentsJournalTest XX As Payments Speed Up, Slowing Down Fraud Is More CriticalAs the world hurtles headlong toward real-time payments, speed and efficiency have often been prioritized over security. However, with faster payments comes faster fraud, and just as organizations deploy technology to streamline their systems, criminals are deploying complex schemes on a global scale.
In a recent PaymentsJournal podcast, Dal Sahota, Director of Trusted Payments at LSEG Risk Intelligence, and Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, discussed the prevalence of fraud, the challenges it presents as payments accelerate, and the ways organizations can defend themselves.
Sophistication at Scale
2024-12-0520 minPaymentsJournalAs Payments Speed Up, Slowing Down Fraud Is More CriticalAs the world hurtles headlong toward real-time payments, speed and efficiency have often been prioritized over security. However, with faster payments comes faster fraud, and just as organizations deploy technology to streamline their systems, criminals are deploying complex schemes on a global scale.
In a recent PaymentsJournal podcast, Dal Sahota, Director of Trusted Payments at LSEG Risk Intelligence, and Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, discussed the prevalence of fraud, the challenges it presents as payments accelerate, and the ways organizations can defend themselves.
Sophistication at Scale
2024-12-0420 minPaymentsJournalPrepaid-Powered Test X-C Loyalty Programs Drive Customer Engagement for MerchantsPrepaid cards X-C are in the midst of a dramatic transformation. With the incorporation of digital wallets, contactless payments, and artificial intelligence, prepaid cards have quickly become one of the most popular payment tools.
In a recent PaymentsJournal podcast, Mani Farhang, Vice President of Product at Fiserv Gift Solutions, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed the key innovations occurring in the prepaid space and the ways merchants can leverage them to drive customer engagement.
A Generational Shift
The prepaid card market was once dominated by financial giants like...
2024-12-0423 minPaymentsJournalPrepaid-Powered Loyalty Programs Drive Customer Engagement for MerchantsPrepaid cards are in the midst of a dramatic transformation. With the incorporation of digital wallets, contactless payments, and artificial intelligence, prepaid cards have quickly become one of the most popular payment tools.
In a recent PaymentsJournal podcast, Mani Farhang, Vice President of Product at Fiserv Gift Solutions, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed the key innovations occurring in the prepaid space and the ways merchants can leverage them to drive customer engagement.
A Generational Shift
The prepaid card market was once dominated by financial giants like Visa an...
2024-12-0323 minPaymentsJournalHow FIs Can Get Ready for Nacha’s Upcoming New RuleAs fraudsters become more innovative in their schemes, Nacha is rolling out new rules to address emerging fraud risks, particularly scams involving business email compromise, vendor impersonation, and the increasing use of money mules.
These key changes, centered around the ACH rules, began rolling out in October and will continue through 2026.
In a recent PaymentsJournal podcast, Glenn Fratangelo, Head of Fraud Prevention Product Strategy and Marketing at NICE Actimize, and Suzanne Sando, Senior Analyst of Fraud and Security at Javelin Strategy & Research, discussed what financial institutions need to do to enhance their fraud detection programs...
2024-11-2022 minPaymentsJournalDuring a Hectic Holiday Season, Gift Cards Continue to Be a Reliable Bet The holiday season is here, bringing with it a host of celebrations. From office parties to family gatherings, shoppers are navigating an evolving landscape of gift-giving traditions. In our latest podcast episode, we dive into how consumer trends, new technologies, and the timeless appeal of gift cards are shaping the way people are gifting this season.
In a recent PaymentsJournal podcast, Sarah Kositzke, Director of Research, and Jonathan Soffin, VP of Global Brand & Product Marketing at Blackhawk Network (BHN), chatted with Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research. They discussed the results of BHN’s Hol...
2024-11-1919 minPaymentsJournalTaking On the AI-Assisted FraudstersArtificial intelligence is fueling a major transformation in the financial fraud landscape. AI has democratized criminal sophistication and fraud at a very low cost of conducting business, generating more malignant actors that financial institutions have to fight against.
What can these institutions do to mitigate increasingly sophisticated frauds and scams? In a recent PaymentsJournal podcast, Kannan Srinivasan, Vice President for Risk Management, Digital Payment Solutions at Fiserv, and Don Apgar, Director of the Merchant Payments Practice at Javelin Strategy and Research, discussed how fraudsters are using generative AI to hone social engineering and bypass authentication, and how...
2024-11-1325 minPaymentsJournalVery Real and Very Here: The Proliferating Use Cases for Instant PaymentsInstant payments have been a global phenomenon, but the momentum for real-time payments is building in the U.S. There is a growing expectation among both businesses and consumers that when they send funds, the recipient should be able to access them instantly.
In a recent PaymentsJournal podcast, Justin Jackson, SVP, Head of Enterprise Payments, Fiserv, and Robert Clayton, Vice President of Product Management, as well as Albert Bodine, Director of Commercial and Enterprise Payments at Javelin Strategy & Research, discussed the increasing number of use cases for instant payments and the progress that has made toward adoption.
2024-11-1231 minPaymentsJournalBank of Canada Takes Oversight of Payment Service ProvidersIn 2021, the Government of Canada passed the Retail Payments Activities Act, which required the Bank of Canada, the nation’s central bank, to begin overseeing payment service providers (PSPs). Under the legislation, Canadian PSPs—along with any entities involved in the electronic transfer or storage of funds—must register between November 1 and 15.
In preparation of these new regulations, Ron Morrow, Executive Director of Payments, Supervision and Oversight at the Bank of Canada, spoke with Brian Riley, Co-Head of Payments at Javelin Strategy & Research in a recent PaymentsJournal podcast. They discussed how and why PSPs should ensure they are re...
2024-10-1715 minPaymentsJournalAccountants View AI as an Ally, not a CompetitorArtificial intelligence has had a dramatic effect across industries in a short time. Accounting is no exception, but there has been speculation of whether AI would replace those working in the profession.
In a recent PaymentsJournal podcast, Ted Callahan, Accountant Leader at Intuit, and Albert Bodine, Director of Commercial Payments at Javelin Strategy & Research, explored key findings from the 2024 Intuit QuickBooks Accountant Technology Survey and their implications for the accounting sector – including how accountants are interacting with AI. The survey gathered insights from 700 accounting leaders to assess the impact of AI and technology on their firms.
2024-10-1521 minPaymentsJournalPrepaid Cards Are Essential Components of Rewards and Incentives ProgramsWhen the topic is prepaid cards, the store-branded or general-purpose gift cards at grocery stores and retailers might come to mind. However, a substantial number of businesses and organizations continually use prepaid cards for a range of cases, including employee incentives and customer rebates.
In a recent PaymentsJournal podcast, Sheryl Shewman, Vice President of Business Development at U.S. Bank, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed the types of incentive programs and how organizations can leverage them to maximize employee engagement.
A Must-Have
More companies are offering some...
2024-10-1019 minPaymentsJournalFor ISO 20022, the Time Is NowAs of March 10, 2025, ISO 20022 will become the messaging standard for financial services in the United States. Yet adoption continues to be slow among large and small banks, with only about a quarter of American banks already using the new protocol. As some have put it, it’s like waiting until the last minute to do your Christmas shopping.
Are financial institutions ready for this conversion? In a recent Payments Journal podcast, Laura Sullivan, Senior Product Manager at Form3, spoke with James Wester, Co-Head of Payments at Javelin Strategy & Research, about the challenges and benefits banks are facing. Th...
2024-09-2322 min
ACI Worldwide Podcast SeriesSimplifying Payment Processing? Payment Orchestration Can HelpDuring a recent PaymentsJournal podcast, Dan Coates, Principal Solution Evangelist at ACI Worldwide, and Daniel Keyes, Senior Analyst of Merchant Services at Javelin Strategy & Research, explored the complex payments ecosystem and how payment orchestration allows merchants and PSPs to tackle obstacles head-on.
2023-11-0312 min
COMMERCE NOWThe Time to Revitalize Debit Rails is NowSummary On this special episode of COMMERCE NOW, Steve Kremer, Director of Sales in the Payments division at Diebold Nixdorf, and Sarah Grotta, Director of Debit and Alternative Products Advisory Service at Mercator Advisory Group, sat down with PaymentsJournal to discuss the most popular payment method, both in the United States and globally: Debit. Listen in for a discussion of why modernizing debit payments is crucial in both the banking and retail sectors. Related Content: https://www.dieboldnixdorf.com/en-us/banking/insights/blog/get-your-message-out https://www.dieboldnixdorf.com/-/media/diebold/fil...
2021-11-0217 minCOMMERCE NOWTraditional Banks Are Getting a Digital MakeoverSummary On this episode of COMMERCE NOW Jens Audenaert, SVP/GM of Payments at Diebold Nixdorf, and Tim Sloane, VP of Payments Innovation at Mercator Advisory Group sat down with PaymentsJournal to discuss the current trends in the banking industry and how traditional banks can use these trends to remain relevant in an industry full of new technology. Related Content: https://www.dieboldnixdorf.com/en-us/banking/insights/blog/blurring-the-line-between-transaction-and-payment https://www.dieboldnixdorf.com/-/media/diebold/files/banking/insights/qa-faq/mindshare_cryptocurrency.pdf Related Links: https://www.pa...
2021-09-2418 min
ACI Worldwide Podcast SeriesStrong Customer Authentication Makes Waves in the EU Payments IndustrySCA Implementation for the European Union With the deadline for merchants in the EU to implement strong customer authentication (SCA) swiftly approaching, merchants must identify key changes needed for compliance. But what exactly are they facing? In this expert podcast presented by PaymentsJournal, ACI’s Kieran Mongey, manager of solution consulting, merchant retail, explores the challenges at stake for today’s merchants, including: Identifying issues critical to implementation success Ensuring a seamless transaction experience for customers Addressing authentication adoption and the potential increase in issuer-bank declines
2021-06-1619 min
ChargeForward With Chargebacks911The Innovation Of Fraud (Interview)This episode is from an earlier interview with Monica Eaton-Cardone the COO at Chargebacks911.
She was interviewed by Ryan McEndarfer on the PaymentsJournal Podcast.
On this episode, Monica talks about the innovation of fraud and what merchants can do about it. In our conversation we cover topics such as:
How fraud costs as a percentage of revenue has changed over the years
What challenges in-house fraud teams face
What advantages loss prevention firms bring to the table
How fraud solutions impact customer satisfaction
What percentage of chargebacks are links to preventable merchant error
What...
2020-08-1923 min
Fintech Insider Podcast by 11:FS365. News: Free money!
Our expert hosts, David Brear and Will White, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
Nicolas Kopp - US CEO, N26
Asya Bradley - VP Partnerships, Socure
Collin Galster - Head of Business Development at Nova Credit
We cover the following stories from the fintech and financial services space:
Samsung Pay launches US international money transfers (04:24)
Credit Karma moves into savings (07:37)
Brex’s launches its Cash management account (17:06)
OakNorth appoint ex Google exec as their platform business CE...
2019-10-141h 02