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  • The ATM is not Dead, it’s Just Mutated.

    Friday, April 04, 2014

     A few industry watchers have proclaimed that the ATM is “dead”. I say “Ridiculous, it has only mutated!” 

  • Is your Card Management System Holding you Back? - Part III

    Monday, January 20, 2014

    Card issuing banks are struggling to differentiate themselves in the marketplace and are under pressure to generate new revenues.  Their card management system might be holding them back from being able to provide new services to the marketplace.


  • Still Confused about EMV and Online Versus Offline? Read This…

    Friday, January 17, 2014

    Over a year ago, I wrote about the challenges facing the US payments market as we migrate to EMV with regard to offline PIN validation and transaction authorization.  A lot has happened in the last 15 months.  Clearly, online PIN authentication and online transaction authorization will be predominantly used in the U.S., given that the online infrastructure is so pervasive in the U.S. today.

  • Is your Card Management System Holding you Back? - Part II

    Friday, January 17, 2014

    Card issuing banks are struggling to differentiate themselves in the marketplace and are under pressure to generate new revenues.  Their card management system might be holding them back from being able to provide new services to the marketplace.

  • Is your Card Management System Holding you Back? - Part I

    Thursday, January 16, 2014

    Card issuing banks are struggling to differentiate themselves in the marketplace and are under pressure to generate new revenues.  Their card management system might be holding them back from being able to provide new services to the marketplace.

  • Incorporating customers into the design and development cycles

    Thursday, October 18, 2012

    Many industries, payments being no different, have working groups designed to tackle audacious goals and work towards standards (e.g., currently EMV in the US, IFX and SEPA).  But, what are we doing together to improve the business acceptance of payments software on a day-to-day basis?

  • Understanding Today's Wire Transfer Risks

    Saturday, August 28, 2010

    While the rise of wire transfer and ACH (automated clearing houses) fraud is not news, the pure acceleration rate, scale and sophistication of corporate wire and ACH fraud is alarming. For example, the FBI recently took the step of issuing a cyber security advisory in response to the growth of unauthorized and fraudulent multi-million dollar wire transfers from business and government entities to overseas locations.

  • So far so bad

    It seems wrong to start the New Year on a sour note, but as we approach the two-year anniversary of the SEPA Credit Transfer (SCT) go-live, it’s hard to find a silver lining to this particular cloud.

  • Can Faster Payments compete with checks?

    Recently, I attended the Federal Reserve task force meeting in Chicago. As a participant in the Federal Reserve’s task forces for Payments and Security, ACI has recently added our UP Immediate Payments solution to the newly opened Faster Payments Capability Showcase. As a result, this meeting offered an opportunity to collaborate with representatives from across the industry to identify ways to partner and bring immediate payments forward in the United States.

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