Top 3 Consumer Bill Pay Insights From the Latest ACI Speedpay Pulse Survey

Our latest bi-annual survey of consumers’ bill paying habits shows a large shift toward mobile adoption, indicating that Request to Pay is gaining traction. Plus, with faster payments more in demand than ever, the data reveals that 2022 is shaping up to be another year of big change for billers.

Remote Customer Service Representatives Are Here To Stay – And So Are The Risks

The world has done a spectacular job of embracing remote work in response to the COVID-19 pandemic. Thousands of jobs – and millions of workers – that previously seemed to be anchored to the workplace or workstation have been liberated.

Speed Is Everything: Why Faster Payments Should Matter to Billers

Developing the best possible payments experience for customers should be top of mind for every biller, and yet, consumers’ expectations for a faster payments process have largely been unmet. A new ACI Speedpay Pulse study reveals that if consumers don’t get what they want, they are willing to go elsewhere in order to get it.

10 Cybersecurity Predictions for 2022

While many are making their resolutions for the upcoming year, organizations of all types must resolve to increase their cybersecurity and vigilance in the face of new and expanding threats. Here are my top 10 cybersecurity predictions for the new year.

Billing and Payment Experts Share Their Top Two Predictions for ‘22

With just a few days left in 2021, many consumers (and businesses) are ready to wrap up another challenging year and start fresh in 2022. In the world of bill pay, 2021 certainly sent many waves to billers in all industries in the form of mail delays, staffing challenges, and rising costs.

Data Is Evolving – Are Your Fraud Prevention Services Keeping Pace?

It’s a constant struggle – as consumer behavior evolves, so do fraud tactics, as fraudsters seek vulnerabilities exposed by rapid change. And there’s no disputing that the pandemic has changed consumer behavior and accelerated the adoption of digital payment methods.

Understanding Alternative (Bill) Payment Methods

Apple first introduced Apple Pay on September 9, 2014, promoting it as “a new category of service that will transform mobile payments with an easy, secure and private way to pay.

Mobile Wallet Payments Are on the Rise — But What About for Bill Pay?

While consumers have spent more time at home and more time on their mobile devices, a growing number of them have set up mobile bill notifications — and billers need to take notice, especially when it comes to advances like mobile wallets.

Merchants Don’t Need a Payments Gateway, They Need a Payments Hub

The term “payments gateway” over-simplifies what it takes to process a payment. The terminology comes from the early days of online payment processing, but has now entered the vernacular for all aspects of merchant payments, including online, mobile and in-store.

Do Merchants Have the Right Tools to Tune Their Engines for the Innovation Race?

2020 has been a year of many, many changes, across nearly all walks of life and business. One beacon of light is that these circumstances have pressed the digital acceleration button, in some cases advancing digital uptake and innovation by years, within a matter of a few months.

Omni-Commerce Is Heating Up the Merchant Token Revolution

Merchants around the world have embraced the wisdom of keeping sensitive customer data (such as card numbers) out of their own environments, with tokens emerging as the tool of choice to bridge the gap. Merchant functions — including reservations, returns, reporting, rewards, research, reconciliation and more — have typically required access to sensitive data, but a series of high-profile breaches has highlighted the need to store card numbers in tightly secured safe harbors.

How National Central Infrastructure Initiatives for Real-time Payments Create Immediate Business Opportunities for Merchants

More and more countries and regional alliances are investing in the creation of new financial market infrastructures. Governments and leaders of central banks have decided that the finance industry needs investment to be fit for the demands of digital economies, suitable for the trailblazing businesses of the fourth industrial revolution.