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  • FinTech Fight Club

    Friday, April 24, 2015
    Posted by Dan Ring to Consumer Payments

    Ladies and Gentlemen, I present to you…the FinTech Fight Club

    Friday, April 24, 2015
    Posted by Dan Ring to Consumer Payments

    In this latest (actually first) installment of Ask the Experts, I sit down with esteemed industry analyst Nick Holland. In addition to serving as Retail Payments Practice Lead at Javelin Strategy & Research, Nick is also the brains (and brawn) behind the nascent Fintech Fight Club. First rule of FinTech Fight Club? Don’t talk about Fintech Fight Club. The next “FFC” will be at a yet-to-be-named location somewhere in the contiguous US states in May…be sure to follow Nick on twitter @nickster2407 for updates. ... Continue reading

  • Change is Coming to a POS Terminal Near You

    Thursday, April 23, 2015
    Posted by Bob Koscheski

    Change is Coming to a POS Terminal Near You

    Thursday, April 23, 2015
    Posted by Bob Koscheski

    A seismic shift is set to occur this October when EMV implementation hits the payments ecosystem in the US. Merchant point-of-sale (POS) terminals occupy the epicenter of that shift. Just how disruptive the change will be depends on how motivated merchants are to upgrade their existing POS terminals to chip-capable ones and how ready they are to help consumers through the process. ... Continue reading

  • Millennial Musings digital wallet

    Wednesday, April 22, 2015
    Posted by Dan Ring to Consumer Payments

    Millennial Musings: what’s in their (digital and physical) wallets?

    Wednesday, April 22, 2015
    Posted by Dan Ring to Consumer Payments

    Based on some industry estimates, millennials comprise 98% of all human beings on earth…and that’s pretty sizable. Now while other estimates are a tad smaller, the millennial generation is still vast, not to mention influential. And with so much buying power now and into the future, one can understand why.... Continue reading

  • Millennials on millennials

    Monday, April 20, 2015
    Posted by Mark Ranta to Consumer Payments

    Millennials on Millennials Series - Who are we?

    Monday, April 20, 2015
    Posted by Mark Ranta to Consumer Payments

    If we are to rate buzzwords, you would be hard pressed to find one that is more overused and misunderstood than Millennial. The generation label that has been given to today’s target demographic—individuals born from approximately 1980 to 1995 (definitions vary slightly on the edges)—shoehorns a group that is as diverse as we have seen in any generation…a single defining word, “millennial.” My goal is to dig into this subject, discuss different aspects of this generation and help the reader get a firsthand understanding of how we define ourselves, in our own words.... Continue reading

  • EMV Community effort

    Thursday, April 16, 2015
    Posted by Bob Koscheski

    Educating Consumers about EMV is a Community Effort

    Thursday, April 16, 2015
    Posted by Bob Koscheski

    EMV is coming and when it hits, it will change the way payments happen across America. Today, when consumers make non-cash purchases at any number of their favorite merchants in the U.S., they stand in front of payment terminals, swipe their cards and follow the on-screen prompts. EMV will require new payment processes that, while seemingly small to those instituting the change, require a shift in behavior that could feel monumental to consumers.... Continue reading

  • Money Transfer

    Wednesday, April 15, 2015
    Posted by James Wester to Consumer Payments

    Expert Insight: Looking below the surface of payments disruption

    Wednesday, April 15, 2015
    Posted by James Wester to Consumer Payments

    Recently, social network Facebook announced that P2P payments can be made through its Messenger service. Square has expanded its Square Cash service to businesses and introduced the "Cashtag" as a means for sending P2P payments. Both are interesting efforts by companies looking to leverage social networks as tools for financial services. They also illustrate something very important about what is going on in payments right now.... Continue reading

  • Wearable Tech

    Friday, April 10, 2015
    Posted by Mark Ranta to Consumer Payments, Retailer Payments

    Apple Watch is here… A Jetsons' reality comes to fruition

    Friday, April 10, 2015
    Posted by Mark Ranta to Consumer Payments, Retailer Payments

    I am bullish on wearables, there I said it, that’s out of the way. I think wearable technology and the internet of things is truly our future. What was merely a pipe dream when Hannah Barbara’s introduced the world to the futuristic family the Jetsons’ in 1962, is literally becoming a reality all around us today. And today, Apple started to take orders for the company’s first foray into the wearable category. While wearables are not new, Apple entering the ring has changed the conversation, and may have sped up the arrival of a Jetsons’ reality. So what does that mean for financial services? Here’s where I think we may be headed in the not so distant future. ... Continue reading

  • Pay My Bill Sweepstakes

    Tuesday, April 7, 2015
    Posted by Dan Ring to Bill Pay

    'Cause I'm the Taxman, Yeah, I'm the Taxman

    Tuesday, April 7, 2015
    Posted by Dan Ring to Bill Pay

    While many of us have a proclivity for the Beatles, many of us also have a proclivity for procrastinating. We get the job done—and typically done well—but not until the deadlines beckon. And this seems to be more rampant for thousands, if not millions of us, during tax season. For those who are counting, taxes are due in a mere 8 days - less than 2 weeks left and agita is setting in. So this tax season, let’s do our best to prevent heartburn and indigestion…or worse. And let’s take the figurative tax returns by the horns. It might be too late to change our ‘wait until the last minute’ habits, but there are ways to make tax filing quick and easy. ... Continue reading

  • Milleneals

    Thursday, April 2, 2015
    Posted by Mark Ranta to Consumer Payments

    Why Millennial Customers are “All they are Cracked” up to be

    Thursday, April 2, 2015
    Posted by Mark Ranta to Consumer Payments

    I was reading a recent musing from an industry veteran that caught my attention, which I think was the point, but for all the wrong reasons. The article was focused on why millennials aren’t worth attracting (today) due to the fact that they are low margin and unreliable clients.  What jumped out at me is that this view is a dangerous one for banks to have and one that quite frankly is just a fallacy; without millennial clients, financial institutions will find themselves in a very precarious situation in the coming years.... Continue reading

  • Making our payments systems fairer

    Wednesday, April 1, 2015
    Posted by Mitch Armstrong

    Making Our Payments Systems Fairer Will Benefit Banks and Consumers Alike

    Wednesday, April 1, 2015
    Posted by Mitch Armstrong

    New Payment Systems Regulator Aims to Open Up Payments Systems to Non-traditional Players The new Payment Systems Regulator officially starts working today (April 1st.) It’s the first time the UK gets a regulatory body overseeing the £75 trillion a year payments systems. Its brief is clear: to make the system fairer for consumers and open it up to challenger banks. The regulator has been given strong powers by the government and has already made it clear it will fine banks if they do not step up to the mark. ... Continue reading

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