Can Grocers Survive Uberization?

Rapid grocery delivery services are proving popular with “I want it now” digital consumers.

Clamping Down on Payment Scams

If the last couple of years have taught us anything, we should be ready for change at the drop of a hat. And this learning should by no means go ignored in the world of fraud.

Making Your Mobile App More Engaging

The mobile app market is predicted to generate up to USD $950 billion by 2023. Merchants must have a mobile app to take full advantage of this growth, but so does everyone else.

How Scale, Simplicity and Flexibility Transforms Payments-as-a-Service

Sam Jawad, ACI’s Executive Vice President and Head of Banks & Intermediaries, explains how managed services for payments have evolved over the past two decades, and how banks can take advantage of the ongoing evolution in cloud architectures.

What Would the EBA Want PSD3 to Look Like? The European Banking Authority Opinion on its Technical Advice on the Review of PSD2

As outlined in last month’s blog, on 10 May the European Commission (EC) published a public consultation and two targeted consultations that cover the PSD2 review and a future Open Finance Legal Framework for Europe.

Driving Consumers In-Store: Turning Fuel and C-Store Challenges to an Advantage  

Getting consumers into a physical establishment is important for most merchants – but it is absolutely critical for fuel and convenience stores (C-stores) where there is virtually no eCommerce potential. Additionally, within the fuel sector, this is where higher margin items can be found.

Meet the True Enabler of Omni-Commerce

In a previous blog post, we talked about how you can share merchant tokens without worrying about PCI compliance. We closed that discussion with the promise to detail the many reasons you would share merchant tokens.

What is PSD3 Likely to be About? The European Commission’s Public and Targeted Consultations on the Review of Directive 2015/2366/EU (PSD2)

On 10 May 2022, the European Commission (EC) published a public consultation and two targeted consultations, which cover the PSD2 review and a future Open Finance Legal Framework for Europe. The two targeted consultations close on the 5 of July, the non-targeted consultation closes on the 2 August.

Intelligent Collections Drive Better Experiences for Customers That Are Past Due — And Improve Success Rates

The debt collection industry has been growing for years in the U.S., and recent events look set to propel that growth further, with consumers facing economic headwinds such as inflation, as well as the continued follow-on effects of the COVID-19 pandemic.

Decrypting Crypto: Nakamoto’s Bitcoin Vision and What it Means Today for Merchants

The first online cryptocurrency transaction was recorded on May 22, 2010 – 10,000 Bitcoin for two pizzas. Worth $41 dollars at that time, those “coins” are now worth tens of millions of dollars. Since then, cryptocurrencies and digital currencies have come a long way.

Incremental Learning: The Real-Time Hero Taking on Fraud

In the fast-moving world of merchant fraud, we can no longer rely on the past to predict the future. The speed and scale of change is such that traditional machine learning (ML) methods, which analyze historical fraud trends, can’t keep up.

Payment Operations Failings Are Hurting Subscription Businesses

The latest ACI Speedpay Pulse study reveals that subscription businesses need to drive greater maturity in their payment operations to minimize risks such as involuntary churn. Subscription-based pricing and business models offer customers greater flexibility, while offering companies the chance to generate recurring revenues.