IPA Payments Pod

In this episode Ben Jackson, the IPA's COO, discusses the future of fintech and payments with some of the people who will make it happen. He is joined by Scott Thompson and Garam Mansour, two current students with a strong interest in Fintech, and Laura Gibson, the executive director of the Georgia fintech Academy . They talk about how college students think about payments, the future of Fintech,...

In this episode John Lowe, CPI Card Group Inc.'s new president and CEO, discusses the future of the company and the future of the way people pay. We talk about the importance of physical payments cards for fintechs and banks, the role of digital cards for a card manufacturer, and CPI's approach to integrating both.   This podcast was recorded on April 9 , 2024. Things may have changed by the time...

In this episode Brian Tate, the IPA's CEO, and Ben Jackson, the COO, discuss regulatory and legislative developments at both the state and federal levels. They cover bills on EWA in Kansas, the department of Treasury's green book, and a court case involving PayPal and the CFPB.    This podcast was recorded on April 11, 2024. Things may have changed by the time you hear it.  

In this episode Brian Tate, the IPA's CEO, and Ben Jackson, the COO, discuss Michael Lewis's most recent book Going Infinite: The Rise and Fall of a New Tycoon , by Michael Lewis. They talk about what happened to the company, the role of Sam Bankman-Fried, and the lessons the industry can learn from the saga.    This podcast was recorded on April 3 , 2024. Things may have changed by the time you h...

In this episode Kiah Lau Hasle t t , the banking and f intech e ditor for Bank Director magazine, discusses her report "Artificial Intelligence, a Real World Approach."   She covers how banks can include AI in their strategy, what they need to do to prepare, and how they can guard against potential pitfalls .   The opinions expressed on this podcast are those of the speaker and do not represent th...

    In this episode Dr. Billy Hensley , the president and CEO of the National Endowment for Financial Education , discusse s NEFE's Personal Finance Ecosystem, which is a framework to show the different factors that affect a person's financial well-being .   You can find the ecosystem here: https://www.nefe.org/ecosystem .   We discuss how the ecosystem can inform the efforts of financial companie...

In this episode Brian Tate, the IPA's CEO, discusses the regulatory, legislative, and court actions that will shape payments in 2024.   He discusses outstanding proposed rules on overdraft and interchange, proposed state laws on earned wage access, and court cases against the Consumer Financial Protection Bureau.    This podcast was recorded on February 12, 2024. Things may have changed by the tim...

  In this episode Sarah Craven, the product manager for transaction laundering detection products at G2 Risk Solutions, discusses how companies selling illegal or unsavory goods hide e-commerce transactions .    We discuss how bad actors use various ruses to disguise what they are really selling, how transaction laundering threats have evolved, and why it pays to trust your gut.   This podcast was...

When a paycheck arrives can be just as important as its size. In this episode, we talk with Matt Pierce, the founder and CEO of Immediate, an earned wage access provider. He discusses what led him to found Immediate, how earned wage access contributes to financial health, and how EWA stacks up against payday loans.    This podcast was recorded on January 11, 2024. Things may have changed by the ti...

In this episode of the IPA's monthly government update podcast , the IPA's CEO Brian Tate, and its COO, Ben Jackon, discuss the current state of regulation and what is coming in 2024.    They talk about how payments companies should plan in light of the regulatory proposals from 2023 that are still active . They cover on-going court cases that could shape the industry . They also discuss how the e...

  I n this episode of the IPA book club , the IPA's CEO Brian Tate, and its COO, Ben Jackon, discuss M alcolm Gladwell's Outliers .    The book explor es how being successful can depend on context, and how success is not always just a matter of hard work or having the best idea or strategy . We look at what the factor s for success are and what lessons the book has for business innovation.   This...

Helping low- and moderate-income people build wealth is a long-term process, and Systems and Methods Inc., or SMI as they are known, has a plan to do that.   In this episode, Bo Stone, the chief strategy officer of SMI, and Wesley Stone, SMI's director of government affairs discuss the company's decade to decade approach to growth and how its products are evolving to open up new opportunities for...

Over the past few weeks, regulators have released a variety of regulations that could reshape the payments industry and have plans for more in the new year.   In this episode, Brian Tate, the IPA's CEO, discusses proposed rules on interchange, open banking, and big tech companies. We also talk about what may be coming in 2024.   This podcast was recorded on Dec ember 14 , 2023. Things may have cha...

Gift cards are expected to make up a larger part of holiday shopping budgets, according to new research from Blackhawk Network. In this episode, Jay Jaffin , chief marketing officer at Blackhawk, discusses the expected growth in gift card purchases, why cards benefit merchants and shoppers, and how banks and other companies can make use of the trend.    This podcast was recorded on November 6 , 20...

In this episode, Brian Tate, the IPA's CEO, and COO Ben Jackson discuss the latest proposed regulations that care coming out of Washington. They cover the Fed's proposal to reduce the cap on debit interchange for issuers with more than $10 billion in assets. They cover the CFPB's proposed open banking rules, and look at a proposal to regulate earned wage access in California.    This podcast was r...

    In this episode,  the IPA talks with Heather McElrath, the founder of Sandbox Communications, about corporate giving. We cover when and how companies should give money and other support to charitable causes, what the benefits and drawbacks are, and how companies should communicate about their giving.    You can learn more and contact Sandbox Communications here: https://www.sandboxcomm.com/  ...

In this episode, the IPA Book Club returns to discuss Michael Lewis's  MoneyBall. The book describes how the Oakland A's took a new approach to finding players, building a team, and playing the game of baseball. We explore what lessons the payments industry can learn from the new approach the team took, and what it takes to challenge conventional wisdom successfully. This podcast was recorded on O...

Do you know what scams people fall for most often? Could you recognize a scam if someone was targeting you? In this episode, Melissa "Mel" Trumpower the Executive Director of BBB Institute for Marketplace Trust, discusses the findings from the Better Business Bureau's Scam Tracker research. She talks about the most common types of scams, how different types of scams target different demographics,...

  I n this episode, Brian Tate, The IPA's CEO, and Chris Stromberg, the director of government relations, discuss both federal and state bills that could shape the payments industry.   They discuss a potential bill on earned wage access, legislation on how banks can work with cannabis b usinesses , and a bill in California to ban plastic gift cards.   This podcast was recorded on Oc t o ber 12 , 2...

  Criminals don't respect borders, so their crimes and the money they make often move internationally.   Whether it is human trafficking, antiquities smuggling, or just plain fraud, when crime crosses boarders, the Department of Homeland Security gets involved.    In this episode, Raul Aguilar, Deputy Assistant Director for the Financial and Fraud division for Homeland Security Investigations desc...

Arguments over the future of the Consumer Financial Protection Bureau came to a head this week at the Supreme Court. The Court heard oral arguments in Consumer Financial Protection Bureau V. Community Financial Services Association of America. At issue is whether or not the CPFB's funding is Constitutional. The IPA's CEO Brian Tate was there and heard the arguments live. In this episode he joins t...

Technology has reshaped everything about banking, including one of its most basic products: deposits. In this episode, we discuss how Banking as a Service and fintechs have reshaped the landscape for consumer deposits, the regulatory response, and what this means for the risk profile of banks. Joining us are Kiah Lau Haslett, Banking and Fintech Editor at Bank Director , Alex Johnson, Founder of F...

As summer winds down Earned Wage Access products are in the spotlight at multiple levels of the government.    In this episode, Brian Tate, the IPA's CEO, and Chris Stromberg, our director of Government Relations, discuss what is happening in the world of EWA regulation at the state and Federal level and how the IPA is trying to inform the conversation. They also talk about the CFPB's recent repor...

Is business just another form of war?   In this episode the IPA book club returns with a look at the intersection of business and military strategy. We read the ancient classic " The Art of War, " by Sun Tzu, and to put it in a business context, we also discuss the Oliver Stone film " Wall Street. "     In this episode, Brian Tate, the IPA's CEO, and Ben Jackson, the IPA's COO discuss both the boo...

  Canada might seem like an easy first step into international expansion for U.S. companies, but they should not fall into the trap of thinking it is the 51st state.   In this episode, Ron Morrow, executive director of Supervision at the Bank of Canada, discusses the regulatory requirements around offering payments services there.    We discuss the role of the Bank of Canada, how regulations are w...