The PaymentsJournal Podcast

On today’s episode, Ryan McEndarfer, Editor-In-Chief at PaymentsJournal, is going to be talking with Michael Francis Roche, who is the VP of Global Fraud Products at Elavon about 3DS 2.0. One thing that’s going to be particularly interesting about this conversation is the way that Elavon is going to be using A.I. in combination with […] The post Michael Francis Roche From Elavon...

As financial institutions look to modernize their payments infrastructure, real-time payments are becoming an increasingly important strategic priority. The growth of the RTP network is creating new opportunities for banks to improve customer experiences, accelerate fund availability, and enhance operational efficiency. However, successful RTP adoption requires more than simply connecting to new p...

Recently Ryan McEndarfer, Editor-In-Chief at PaymentsJournal had the pleasure of speaking with Kenneth Montgomery, First Vice President & Chief Operating Officer at the Federal Reserve Bank of Boston about fraud. During the conversation, they talked about the new workgroup that the Federal Reserve is putting together to take a deeper look at fraud definitions as […] The post The Federal...

On today’s episode, Ryan McEndarfer going to be sitting down with Tim Sloane from Mercator Advisory Group who recently authored a new report talking about securing e-commerce. And in that report, he outlines a new API created by the W3C that has an interesting opportunity, particularly for merchants.   McEndarfer: Now, Tim, you recently covered […] The post Tim Sloane Talks: W3C P...

This episode was recorded at Nacha’s Smarter, Faster, Payments 2019 event. Now on this episode, I have Mickey Goldwasser who’s the VP at Payrailz. During our conversation, we are going to be talking about how AI is and is going to be enhancing the customer experience.   Ryan So if you could tell me what […] The post Mickey Goldwasser from Payrailz Talks AI and Enhancing the Custom...

Today’s episode was recorded at Nacha’s Smarter, Faster, Payments 2019 event. And on this episode, I have Jessica Cheney who is the Vice President of Product Management and Strategic Solutions at Bottomline Technologies. Now during our conversation as we talk about the added value of faster payments, and how perhaps media focuses a little too […] The post Jessica Cheney From Bottomline...

Today’s episode is recorded at the Smarter Faster Payments 2019 event for Nacha. Now during this conversation, I get to speak with Laura Clary who was the product manager at Fiserv. And on our conversation, we’re going to be talking about real-time payments, but not just about the speed of real-time payments, but really what […] The post Fiserv Discuss Real-Time Payments and What...

Once upon a time, businesses only had to be prepared to accept cash, checks and credit cards at brick-and-mortar locations, over the phone, or through the mail. While this hasn’t been true for some time, merchant acquirers haven’t made it easy for small and medium-sized businesses to meet the purchasing needs of the contemporary consumer. […] The post Disruptions in Acquiring Services Are a...

The drive toward paperless statements is old hat by now, but companies like Inlet are leveraging newer technology to create a richer experience for consumers and billers. PaymentsJournal.com recently spoke with Inlet’s Vice President and General Manager Russ Chacon to get his take on the new payments niche.   “Today billers look at their peers […] The post Paperless Bill Adoption Comes...

Today’s episode was recorded at Nacha’s Smarter, Faster, Payments 2019 event. Now on this episode, I have Lou Anne Alexander, who is the group president of payments at Early Warning. And Sarah Grotta, who is the director of the debit and alternative products advisory service at Mercator Advisor Group. During our conversation, we’re going to […] The post Where Award-Winning Zelle...

In a recent chat with PaymentsJournal and Mercator analysts, Ron Shultz, Senior Vice President, Global Bill Pay at Mastercard shed some light on what the future of bill pay should – and can – look like… starting with the four areas of pain that financial institutions must address if they hope to transform the Bill […] The post Does Bank Bill Pay Need an Upgrade? appeared first on PaymentsJou...

Mobile isn’t the future of payments. It’s the present. Payments are happening on more platforms and via more diverse touchpoints than ever. Many consumer journeys have become multi- or omni-channel, starting with research on one device and purchase on another, or in store. It may seem that mobile has, in fact, already arrived – and […] The post The Omni-Channel Impact from Mobile: If You Can...

Commercial cards continue to grow  According to a recent report, U.S. Commercial Credit Cards Market Forecast, 2016-2022: Growing at a Healthy Pace by Steve Murphy, Director, Commercial and Enterprise Payments Advisory at Mercator Advisory Group, commercial card spending in the United States is increasing for both traditional and virtual card solutions. He reports that in […] The post C...

With faster payments, speed catches all the headlines – but the value beyond immediacy deserves real talk on real-time payments. Behind the speed, the faster payments rails carry data and details as well as messaging abilities. According to Colleen Taylor, Executive Vice President, New Payment Flows at Mastercard, faster payments are fighting 40 years of […] The post Mastercard ® Real Talk o...

The following is a transcript of the podcast episode between Jorn Lambert, EVP, Digital Solutions at Mastercard and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com. During the conversation Jorn and Ryan cover the following: Ryan: Big news coming out of Apple’s presentation that Apple is going to be partnering with Mastercard on a new credit card. Jorn, […] The post Mastercard and App...

As digital commerce continues to grow, financial institutions face increasing pressure to strengthen payment security without creating friction for consumers. The evolution of 3D Secure 2.0 represents a significant step forward in balancing fraud prevention with a seamless customer experience. By leveraging risk-based authentication, card-not-present fraud protection, digital commerce security, an...

Who doesn’t like to get more out of what they’ve already got? Organizations already collect tons of data about consumer usage and transactions, yet many – if not most – are using only part of that data, or are leaving additional benefits on the table. Data monetization is all about getting more bang for the […] The post Data Monetization 101: A Road Map to Safe Data Monetization appeared fir...

Following last June’s acquisition of the largest provider of gift card solutions in the U.S., Gift Card Impressions (GCI) by InComm, the leading payments technology company, PaymentsJournal sat down with GCI’s founder and CEO, Brett Glass. GCI was the latest acquisition by InComm, who last January announced it added to its catalog brands such as […] The post Personalized Gift Cards Take Off...

Peter Caiazzi, Managing Director of TAS USA was commuting by train to a remote office for three years. He would purchase his train ticket, not at the station, but online – totaling up to around 100 transactions per year. Enrolled in 3D Secure with his card issuer, he was required to enter a password to […] The post How 3D Secure 2.0 Is Set to Be a Game Changer appeared first on PaymentsJourn...

Subscribe to our podcast via: The following is a transcript of the podcast episode between Rick Lynch, Senior Vice President, Business Development at Verifi and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com. Ryan: From your perspective, what volume of chargebacks can merchants expect from the 2018 holiday shopping season? And do you think that this will be […] The post The Holidays...

Subscribe to our podcast via: The following is a transcript of the podcast episode between Margaret Reid, SVP North America Risk at Visa, Tim Sloane, VP, Payments Innovation at Mercator Advisory Group, and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com. Ryan: Margaret, as e-commerce and m-commerce continue to grow, what new payment security technologies do you see […] The post Visa...

Subscribe to our podcast via: The following is a transcript of the podcast episode between Bruce Dragt, Chief Product Officer at CO-OP Financial Service and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com. Ryan: Bruce, from your point of view, what is innovation? Bruce: “Innovation is something that many people attempt to define. I have a very simple […] The post Rethinking Product I...

Subscribe to our podcast via: The following is a transcript of the podcast episode with Ruston Miles of Bluefin Payment Systems and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com. During the episode, they cover topics such as: What Is the Difference Between PCI-Certified and Non-Certified Encryption? Ruston Miles of Bluefin Payment Systems I get that question a lot. […] The pos...

Subscribe to our podcast via: It’s been said that faster payments lead to faster fraud, but what if identity verification and authentication technology become faster, too? More importantly: What if they become stronger? According to David Barnhardt, EVP of Product at GIACT, this is what must happen to thwart faster fraud. Bankers, billers, lenders, utilities, […] The post Faster Payments Nee...

Subscribe to our podcast via: The following is an article based on a conversation between Brian Bailey, EVP and Managing Director, North America and Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group. To listen to the full conversation please press play on the audio player. If you thought cash was on its […] The post Cardtronics Study...