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  • Small business banking bacon?

    What’s Your Small Business Banking Bacon?

    Friday, August 18, 2017

    Every hip recipe has bacon in it these days. So why shouldn’t your digital banking experience be the same? After all, it’s a yummy addition that gives a standard dish that extra flair.

    Small business banking has been a prodigious untapped market for over a decade. Banks desperately strive to make revenue from this market, but in most cases, they have struggled to do so.

  • PSD2 in the USA

    PSD2 Carries Over to the U.S. – Via the Phone in Your Hand

    Wednesday, August 16, 2017

    Let me ask you a favor. Could you put down your phone for just a minute? Unless, of course, you’re reading this on your mobile device.

    It can be an uphill battle asking someone to put down their phone these days. I have a tween, so I know the struggle! One of the reasons we’re so reticent to do so is the sheer power contained within these devices. At this point, it controls the music, the temperature, the locks and even the lighting in your home, and that’s not even touching on its entertainment value, or its capabilities as a payment device. The device, in its present form, has been around for ten years now, and in 2017, it’s safe to say there’s no going back.

  • Making ubiquity a reality

    Making Ubiquity A Reality: Real-Time Payments Pushes Ahead In The U.S.

    Monday, August 07, 2017

    As a member of the Faster Payments Task Force, an initiative of the Federal Reserve, I am pleased with the newly released report findings and the push to achieve the Federal Reserve’s Faster Payments call to action in just twenty-nine months from now; a payment system that is faster, ubiquitous, more inclusive, highly secure, and more efficient.

  • Lifestyle use cases are driving mobile payments

    How Connected Consumer Lifestyles Will Drive Forward Mobile Payments

    Thursday, August 03, 2017

    Merchants are striving to respond to the ever-changing behaviors and expectations of consumers by creating seamless purchasing experiences that engage customers and keep them returning for more. In turn, payment service providers (PSPs) and technology vendors are endeavoring to meet the needs of those merchants by providing appropriate supporting technology and services.

  • Assessing Same-day ACH In The New Era of Real-time Payments

    Assessing Same-day ACH In The New Era of Real-time Payments

    Friday, July 28, 2017

    The pace of payments has risen sharply in the U.S. since the introduction of same-day ACH in September 2016. Following the global movement towards immediate payments, the pace is set to pick up as real-time speed arrives through schemes such as The Clearing House (TCH) Real-time Payments System and Zelle networks.

  • Consumer attitudes to bill pay solutions

    What Do Consumers Expect From Your Bill Pay Solution?

    Thursday, July 27, 2017

    Are you treating consumers how they want to be treated when it comes to billing and payment? To find out, I spoke with David Albertazzi from Aite Group about his new research 'How Americans Pay Their Bills'. Let’s see what David’s data says.

  • The Many Delicious Flavors of P2P

    Friday, July 21, 2017

    We’re now very much into the height of summer (real feel today outside my door is 98 degrees, not to be confused with that amazing band from the 90s). And following the recent Zelle launch, we’re also very much into the height of P2P hype. As Mark and I are wont to do, we’re mixing up food and payments (a delicious combo)! And in this case, we’re talking about one of our favorite summer (or year-round) treats, ice cream. We’ve waxed poetic about ice cream in prior blogs (i.e., shops at the Cape and in Newport that still abide by old-school cash-only policies, etc.). Specific to this post, if you think about it, the roster of P2P options continues to increase, like the number of amazing flavors that Ben & Jerry’s offers these days. And with spoons in our mouths and napkins in our hands, it’s time to rant!

  • The Path to Faster Payments – A US perspective

    The Path to Faster Payments – A US Perspective

    Friday, July 21, 2017

    With news that the Faster Payments Task Force released its final findings today and set the deadline for our country’s new payment system to be live by the year 2020, a mere 29 months away, it leaves many in the industry getting ready to roll up our sleeves because it is going to be an all-hands-on-deck 29 months.

  • Connect, Learn, Share – The ACI Exchange 2017 Round UP!

    Connect, Learn, Share – The ACI Exchange 2017 Round UP!

    Wednesday, July 19, 2017

    If you’ve never experienced “dry heat” (which is much like actual “heat”)—you haven’t lived! Stepping off the plane in Phoenix last month for ACI’s Annual User Exchange, the mercury was literally jumping out of the thermostat at 116 degrees Fahrenheit…and it was unlike anything this New Englander has ever experienced. I mention the weather here because it’s the important backdrop to talk about Exchange itself; you could say that the heat was required to properly bake this event to perfection over the four-day agenda and fully deliver on this year’s theme of connect, learn, share.

  • Why ATMs Are a Successful Piece of 'Social Tech' Not Heading for Retirement Anytime Soon

    Why ATMs Are a Successful Piece of 'Social Tech' Not Heading for Retirement Anytime Soon

    Tuesday, July 18, 2017

    The ATM turned 50 last week (on June 27, to be exact) and despite the spectacular growth of alternative payment methods and predictions that we are heading toward a cashless society, birthday celebrations around the world were upbeat. Most industry commentators seem to agree that the ATM is alive and kicking. As ACI’s Lu Zurawski, EMEA consumer payments lead, says in an interview with Forbes: “The ATM is a successful piece of social technology and won’t be heading for retirement any time soon.”