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  • Merchants want simple, global, and secure opportunities to serve them.

    Consumers want access. Merchants want simple, global, and secure opportunities to serve them. How to achieve both.

    Friday, June 03, 2016

    While riding the local commuter rail on my last leg home from NYC, I sat next to a woman who was on her smartphone shopping on what looked like a Chinese website. I smiled to myself after just having spent the day talking about the massive opportunities presented in the borderless world of eCommerce. The scenario was very timely as the day’s discussion centered on providing consumers with access to goods and services and the merchants’ opportunity to serve them anytime, anywhere with the payment options they desire.

  • Transformation project

    The Key to Your Retail Banking Transformation Project

    Tuesday, May 17, 2016

    If you had to rank buzzwords, and my colleagues and I often do, “Transformation” would likely find its way to the top of your list. Whether it is digital banking transformation, branch transformation, or retail banking transformation, the term transformation is front and center in our evolving industry landscape. The Fintech explosion of the past half-decade has led us to a point where financial institutions have to transform their strategies or risk losing out on capturing market share for a generation.

  • eCommerce

    There is no ‘one size fits all’ approach when it comes to cross-border eCommerce strategy

    Tuesday, May 10, 2016

    Every business has its own strengths – and weaknesses – that need to be taken into account when formulating a cross-border eCommerce strategy. What has worked for one merchant is no guarantee of success for another, and the same applies to payment providers supporting merchants with global ambitions. But being able to successfully support merchants expanding internationally opens up new revenue streams and business opportunities. As CEO & Founder of PAY.ON, and ACI’s SVP Product Line Manager for Merchant Solutions, Markus Rinderer is no stranger to both the challenges and opportunities of cross-border eCommerce.

  • The Tech Free Payments Utopia or is it a Dystopia

    The Tech Free Payments Utopia (or is it a Dystopia?)

    Monday, May 09, 2016

    Copenhagen has quickly become one of my favorite cities in the world, a hidden gem to quote that travelin’ man with the soothing voice, Rick Steves. While exploring this great city one evening after the inaugural Money20/20 Europe, my intrepid Rantings partner (Mark) and I happened upon the quirky hamlet of Christiania, and it was during this (very quick) stroll through the autonomous anarchist society that we started turning over the idea of a tech free utopian society. The conversation took a break as we saddled up to a shawarma vendor to indulge in one of my favorite street treats.

  • Intermediaries

    Payments Are Changing: Intermediaries

    Thursday, May 05, 2016

    A proven, reliable and expensive service

  • Big Banks

    Payments Are Changing: Big Banks

    Wednesday, May 04, 2016

    Once viewed as a necessity, they can reposition themselves to prove valuable in the value chain.

  • Merchant payments

    Payments Are Changing: Merchants

    Tuesday, May 03, 2016

    Merchants are in the eye of the storm. They have reacted quickly to the consumers and new technology.

  • Beyond Speed

    Beyond Speed: the Long Term Impact of Immediate Payments in the U.S.

    Thursday, April 28, 2016

    Two years ago, faster payments had not reached the radar of many banking executives based in the United States. Today, immediate payments (and what to do about them) is a topic of discussion at every bank I visit. 

  • Changing Payments

    Payments Are Fundamentally Changing. Or Are They?

    Tuesday, April 26, 2016

    The common cry from industry watchers is “Payments is fundamentally changing.” Each week brings a new announcement about a new product, payment type or offering. They can be from established players battling to stay relevant or from new entrants trying to create a new ecosystem (e.g. Amazon offering payments to merchants on their platform).  This blog and several following will examine the payments landscape in 2016 and answer the aforementioned question if payments fundamentally changing.

  • Risk Management

    How TD Bank Masters Payment Processing Risk

    Monday, April 18, 2016

    “You learn a lot by following the money,” a great quote that Sara Pinkus, VP of Payments Risk Management at TD Bank, told me before her PAYMENTS 2016 presentation with TD Auto Finance and ACI Worldwide entitled Hide and Seek: Uncovering Your Internal Originators and the Risks They Pose