Why Now Is the Time to Accept Debit Cards in Mortgage

Are you part of the mortgage servicing transformation? While letting customers make payments with a pair of sleek sunglasses is a novelty, there are still plenty of sensible mortgage servicing options your customers want.

SleepAtNightability – Why We Must Not Forget The Fundamentals of Payments

“Boring in payments isn’t a bug; it’s a feature.”

When I saw this quote on Twitter, I literally LOL-ed, mainly because it’s so true (thanks to James Wester & Sam Maule). Indeed the ’boring’ in payments exists for good reason; when it comes to peoples’ money, you can innovate, but you cannot forget the fundamentals. The basics may be boring, but the lesson there is that they are vital.

Open Payments Require Collaboration for Successful Innovation

There are a few things in my life I enjoy more than the serenity of a garden. There is nothing more fulfilling than starting off with something as innocuous as a planted seed, only to watch it bloom during the course of the spring and summer, and end its journey in a bounty of produce. As anyone with a green thumb would tell you, it’s not just the quality of the thing you start with, but the care and watchful eye you give it along the way; when to water, when not to, when to weed, when the seedlings may need cover from a pending cold snap, and when you just need to let nature take its course.

Regulating the Payments Ecosystem Transformation

New banks, new payments players, new choice. The competition is heating up in payments, with both incumbents and those new to the scene, vying to emerge victorious.

Authorization Management is the Key to Smooth But Secure Payments

If you happen to be a fraudster, it’s likely that you are loving all the ways the industry is making it easier for people to pay. The less friction in a payment, the quicker the money moves, and the more opportunity you have to intersect with fraud and move the money away before anyone notices.

Filtering the Fraudster: Building a Picture Using Big Data

In our new Insight Paper, we focus on how merchants can build an effective fraud filter for their sales funnel – one that is not over-restrictive, leads to genuine sales being accepted, and prevents genuine fraud. Get the balance right and merchants stand to improve their checkout conversion rates and boost their bottom line.

Payments Buzzwords Bingo: Mid-Year Report Card

Summer is in the air (and it’s 95 degrees this week!!). As we move properly into ‘flip-flops and shorts’ season in the North East, it’s about that time to check in on our annual calls from the New Year (and begin to look forward to counting down to the next set of predictions). Hard to believe that 2017’s Christmas is now closer than 2016’s, but so goes time, and nobody can slow that down. So without further ado I give to you… the mid-year trends update!

Addressing Millennials and Their Influence within the Payments Industry

Generational changes are a reality that affect all of us, and bring with them variations in behavior. We are currently experiencing one of these generational changes, which has also brought with it challenges for the payments industry. The nearly 2 billion millennials that now inhabit the earth have entered into adulthood (in some respects at least) and will soon become the generation with the greatest purchasing power.

How SWIFT gpi Will Change the Cross-Border Payments Market

SWIFT global payments innovation (gpi) is ushering in a new dawn in international transfers which, quite frankly, has been a long time coming, especially when you consider the current race to real-time payments. The world is getting smaller and faster, and cross-border payments are about to catch up.

The ATM Turns 50: Does Retirement Beckon? Or Does A New Role in the Payments Ecosystem Await?

This year marks the 50th birthday of the Automated Teller Machine (ATM), with the first one installed in London on June 27, 1967. Five decades on, and there are more than 3 million ATMs deployed worldwide, with the ATM Industry Association (ATMIA) citing research that calculated that a new ATM is added to the global installed base every three minutes. I spoke with Andy McDonald, vice president of Merchant Payments at ACI Worldwide, who has more than 20 years’ experience in the payments industry, much of it focused on ATMs. Who better to provide insight into whether ATMs have a well-earned retirement awaiting, or if we’ll still be using them (in one form or another) in 50 years’ time?