The PaymentsJournal Podcast

Data aggregation continues to gain importance in the financial services world. But what value does it offer? PaymentsJournal sat down with Paul Diegelman, VP of digital payments and data aggregation at Fiserv, and Sarah Grotta, director of the Debit and Alternative Products Advisory Service at Mercator Advisory Group, to delve deeper into the topic. Defining […] The post How Consumers and Co...

This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Sanjoy Malik, chairman and CEO of Urjanet. PaymentsJournal: Sanjoy, thank you so much for joining me on today’s episode. To start, let’s give our audience a little bit of an overview about your company, […] The post Sitting down with the C...

This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Aaron Lazor, co-founder and CEO of Finscend, and Moshe Teren, co-founder and CTO of Finscend. Ryan Mac: Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac and in today’s episode, we’re going to […] The post The Pain Point...

This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Steve Villegas, the VP of Partner Management and head of the U.S. Office at PPRO. PaymentsJournal: Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac, and on today’s episode we’re going to be […] The post Look Locally, Ex...

With the emergence of challenger banks and big tech companies, traditional financial institutions are facing a rising number of competitors in the increasingly crowded payments space. These competitors have begun to address some of the unmet needs of consumers, such as those of the largely underserved gig economy workers. However, traditional banks can find opportunities […] The post The Ris...

This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Molly Hetz, Product Marketing Manager at iovation. PaymentsJournal: Molly, thank you so much for joining me on today’s episode. So, iovation recently released a 2019 Financial Services Fraud and Consumer Trust Report. Would you […] The post Unpa...

This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Dave Excell, founder of Featurespace. PaymentsJournal: Dave, thank you so much for joining me on today’s episode. To start off, can you give us a little background on Featurespace and how you help prevent […] The post How Featurespace Is H...

This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Vijay Ramnathan, president of MineralTree, Inc. PaymentsJournal: So, Vijay, thank you so much for joining me on today’s episode. To start things off, can you tell us about the latest trends in B2B payments? […] The post Unpacking the Latest Tren...

Understanding the payments industry in the U.S. can be a complex endeavor. The landscape is a crowded place, comprised of thousands of banks, credit unions, fintechs, and other organizations that offer a variety of products and services tailored to different aspects of the payment experience. Then there is the issue of compliance. Companies must obey […] The post Meet Elevation, Nacha’s Cons...

Marqeta’s growth reflects a broader transformation taking place across the payments industry, where fintech innovation, open APIs, and digital banking are reshaping how financial services are delivered. As consumer expectations continue to evolve, businesses are seeking faster, more flexible ways to issue cards, process transactions, and launch new payment products. By enabling modern payment expe...

Looking back at the holiday season, merchants faced a timeless struggle: stopping fraudsters. While dealing with fraud is a challenge year-round, the holiday season makes it even more difficult. In November and December, people shop more to prepare for the holidays, causing eCommerce volumes to rise. Aware of the uptick in volume, criminals launch attacks, […] The post The Architecture of an...

One of the most pressing issues facing companies in the payments industry is how they handle their data. Since financial transactions and services generate large amounts of data, financial institutions need to have a robust system in place to effectively process, analyze, and store the information. Security is paramount, as the data is highly sensitive, […] The post Get a Handle on Your Data...

The dispute management process—the means by which a consumer can contest a credit card charge—is a vital aspect of the payments industry. Handling disputes takes time and money, and if it’s not done effectively, consumer satisfaction can be negatively impacted and merchants and issuers could lose money. With money and customer satisfaction on the line, […] The post PSCU Talks Dispute Managem...

Of all the fraud vectors plaguing the payments industry, synthetic identity fraud is one of the most concerning. Unlike card-present fraud, which is on the decline due to the widespread adoption of EMV technology, synthetic fraud is on the rise. Worse yet, traditional fraud models are ill-equipped to even identify it. Also concerning is that […] The post Synthetic Identity Fraud is Rising. G...

The following is a transcript of the podcast episode between Kelly Seild, CTO and Co-founder at BillGO and Ryan McEndarfer Editor-in-chief at PaymentsJournal.com on capitalizing on the current bill pay experience. PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac. And today’s episode is going to be a conversation that I’ve had with […] The post...

After disrupting industries ranging from ecommerce to advertising, big tech appears to be setting its sights on the financial industry. In August, Apple partnered with Goldman Sachs to roll out the Apple Card, a shiny titanium credit card designed to be used primarily with Apple Pay in a mobile ecosystem. Then Google announced that it […] The post Unpacking Big Tech’s Foray into Financial Se...

With the rise of ecommerce and the emergence of new payment technologies, the legacy dispute process is badly outdated. Chargebacks are proliferating, costing merchants and issuers considerable time and money to process and resolve. Likewise, consumer satisfaction is negatively impacted by the long, inefficient chargeback processes. One of the central issues is that many disputed […] The pos...

The digital revolution has enhanced how we shop, pay our phone bill or purchase a home. But it comes with a downside: people’s personally identifiable information (PII) is increasingly being compromised in data breaches then used by criminals to take over accounts or to make new, fake ones. Part of the problem is that it’s […] The post Stay Ahead of the Fraudsters with gIDENTIFY Persistent M...

As a payment system that universally connects all U.S. bank accounts, the ACH Network supports a tremendous amount of transactions. Between Same Day ACH and core ACH payments, the transaction volume on the ACH rails has been steadily rising. To learn more about the ACH Network’s growth, and to better understand the difference between faster […] The post Unpacking the ACH Network’s Significan...

This is a transcription of an interview between PaymentsJournal and Nicky Koopman, Senior Vice President of Content & Value Added Services at AEVI, at the Money 20/20 event: PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac, and today’s episode is a conversation that I had with Nicky Koopman, the SVP of Content […] The post Is the Traditional ISO...

The following is a transcript of an interview between PaymentsJournal and Tia Ilori, VISA’s Senior Director of Global Fraud and Breach Investigations, at the Money 20/20 event: PaymentsJournal  Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac, and today’s episode was recorded at the Money20/20 event in 2019. Now during this episode, I’m going […] The post...

The following is a transcript of an interview between PaymentsJournal and Bill Nichols, the Senior Vice President of Sales for America, AEVI, during the Money20/20 event: PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac, and today’s episode is a conversation that I had with Bill Nichols, who is the Senior Vice President […] The post What Are the Big...

First Apple revolutionized the personal computer industry with the iMac. Then Apple redefined the cellphone industry with the release of the iPhone. Now, Apple has set its sight on the payments industry. The tech giant released its first credit card—the Apple Card—on August 20, with Goldman Sachs as the issuing bank. The card was designed […] The post Hey Issuers, Big Tech Is Coming. Here’s...

Consumers, Businesses and financial institutions alike are turning towards faster payment options in large numbers, embracing the improved speed, data sharing, and messaging capabilities afforded by these new payment methods. As is the case with any emerging technology, companies are still trying to determine the best use cases to harness faster payments’ potential. One company at […] T...

The hottest topic in the payments industry is the rise of faster payments. The widespread expectations for speed and seamless experiences from both consumers and businesses, coupled with innovations such as cloud, digital payments technology, and ISO 20022 messaging, are positioning faster payments to reshape the industry. The most promising type of faster payment is […] The post How Volante...