What Can the Re-Regulation of Other Industries Tell Us About Open Banking One Year On?

UK Open Banking just reached its first birthday milestone (on January 13 to be precise) and given my own commentary – including in the ACI blog – on this topic, the first anniversary of Open Banking in the UK certainly won’t pass without a debrief on the progress that’s been made and what challenges lie ahead.

Around The World: Taking Stock of Global eCommerce in 2019

As I head to #NRF2019 in New York City next week, I’m excited to see how some of the biggest retailers and merchants see the industry evolving over the coming year. What trends they think are going to shape 2019, and which of 2018’s buzzwords can be put to bed.

A Pointless Credit Card World (Sound the Alarm, Ring the Bell, Freak Out… Le Freak, see'est Chic)

Mark, we were slightly prescient a few weeks back when our rantings touched on credit card points. Based on some news over the past weeks related to rewards, perks and sweet deals, do I now sound the alarm or do I stand down?

19 for 2019 (Payments Predictions Galore!)

As I’ve bid adieu to 2018, once again mumbling my way through Auld Lang Syne (reciting Burns poetry was never really in my 'wheelhouse,' as they say) I’m squarely focused on 2019 (and beyond), and the payments prognostications that typically accompany the start of a new calendar year.

How Fresh, First-Hand Research Leads to Interfaces That Make Users Feel Understood

In 1890, my great-great-grandfather fled Czarist Ukraine for a new home in London. Amongst the few possessions that he brought with him was a book that had been given to him in 1860 by his grandfather.

Success Speaks: How Roanoke College Simplified Higher Education Billing and Commerce

Campus commerce has quickly become the ultimate test for payment software providers, IT professionals and administrators. Technology stacks and service offerings are continuously challenged by rapid innovation, just as budgets have begun to shrink. And to top it off, cybersecurity threats lurk around every corner, and even a single breach can destroy student confidence in their institution of higher learning.

Monetizing Real-Time and Open Payments – A Global View from Leading Banks

Payments experts from Bank of Montreal, Lloyds Bank and Rabobank lead a discussion on #NewPayments use cases.

During Sibos 2018, I was lucky enough to moderate a panel of payments experts from around the globe, including banking leaders representing three key phases of the real-time evolution; early adoption, go-live and ‘wave 2.’ Here, I’d like to share insights from these experts, outlining the challenges and rewards for banks in the new real-time and open payments ecosystem.

All I Want For Christmas (Or Any Holiday) Is… Instant Payments Gratification

Mark, some of us are fast approaching the end of the holiday shopping season, some of us are fast approaching that time of year when we consume too much egg nog, and some of us are fast approaching too many viewings of Die Hard or It’s a Wonderful Life or Love Actually or Christmas in Connecticut (I’ve disclosed too much about myself). To segue slightly more than slightly, I was at Target over the weekend, braving the holiday shopping crowds, to buy toilet paper, paper towels and tissues… and I took advantage of the 5% off that I get from using my Red Card. I surveyed the throngs of other consumers in the nearby checkout lines and not once did I see another store card. During this, the biggest shopping season of the year, why wouldn’t consumers use loyalty/rewards cards when making purchases?

Fraudsters Don’t Wait for Peak, So Neither Should You: 2019 Fraud Strategy Starts Now!

In existence for barely two decades, eCommerce has transformed not only the way we shop, but also how retailers plan and execute their marketing strategies around the peak shopping season. Now that we’re deep into this period, retailers will have prepared for changes in buyer behaviors, relaxed their strategies to be within the limits of manageable review rate, and most important of all, put strategies in place for increased fraud attempts.

Instant Payments in Italy – And Beyond: Lessons from Il Salone Dei Pagamenti

ACI was invited back to Il Salone dei Pagamenti – Italy’s premier payments event organized by the Italian Banking Association (ABI) – to participate in a panel, “SEPA Inst – the Future.” As expected, the session was packed with stats and advice for a more efficient roll out of instant payments – in Italy and beyond.