Banking

June 23, 2022

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

Billers

June 20, 2022

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

Merchants

June 13, 2022

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

Particle of digital data and numbers code

Merchants

June 1, 2022

Incremental Learning: The Real-Time Hero Taking on Fraud

Banking

June 23, 2022

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.

Billers

June 20, 2022

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.

Merchants

June 13, 2022

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.

Particle of digital data and numbers code

Merchants

June 1, 2022

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.

Index finger of young man touching smartphone

Billers

May 30, 2022

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.

Hands in the middle

Uncategorized

May 25, 2022

Embracing Diversity When Working Across Cultures

World Day for Cultural Diversity for Dialogue and Development, which takes place each year on May 21, aims to not only highlight the richness of the world’s cultures, but also the essential role of intercultural dialogue.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?

Keyhole abstract

Banking

May 19, 2022

How to Unlock the Potential for Instant Payments?

On May 5, I attended the CEPS ECRI event on “How to unlock the potential for instant payments?” which covered the European Commission plans to create an integrated retail payment system for Europe.

city street at night

Banking

May 16, 2022

A Real-Time Payments Retrospective

Real-time payments growth is accelerating globally — growth that is documented in detail in the 2022 Prime Time for Real-Time report, which covers 53 markets around the world.

Looking directly up at the skyline of the financial district in central London - stock image

Banking

May 13, 2022

No Time To Waste Ahead of U.K.’s New Payments Architecture Launch

The U.K. payments industry is entering an all-important demand creation phase, as it prepares to launch the country’s New Payments Architecture (NPA). I spoke with Andy Morris, strategic solution consulting director at ACI Worldwide, to learn more about the opportunities on the horizon for the U.K.

Payment on mobile device

Merchants

May 11, 2022

Can Payments Orchestration Help Business Sing? Here Are 10 Questions That Merchants Must Ask Themselves

Payments orchestration is the process of working with — or orchestrating — multiple payment providers, acquirers and banks to optimize customer experience and conversion, enhance cost savings, ensure regulatory compliance, improve fraud prevention processes and enable global coverage.

High Angle View Of Illuminated Cityscape At Night

Banking

May 10, 2022

The Time to Act is Now As the World Goes Real-Time

Around the world, people now expect real-time experiences in everything they do, and payments are no exception to this.  While payments themselves are increasingly commoditized, the faster movement of money has been at the forefront of enabling this digital acceleration.

Timelapse lights at night in city

Banking

April 28, 2022

Real-Time Payments Are Reshaping Economies Around the World

The title of our yearly report exploring the growth and impact of real-time payments – Prime Time for Real-Time – is more apt than ever.