PaymentsJournal

LIsten to the FULL PODCAST: https://xmrrwallet.com/cmx.pow.ly/eMew50Wy5YA One of the most important resources for any card portfolio manager is understanding cardholders’ spending patterns. This requires not just full access to data, but also the ability to interpret what the data reveals. Growing business intelligence tools like Card ExpertSM from Fiserv are helping issuers gain deeper insight into their customer base, allowing them to serve cardholders more effectively. Janine Wilson, Director of Data Solutions at Fiserv discussed innovative ways financial institutions are now leveraging cardholder data. She was joined by Deana Bartel, Vice President of Payment Services at Randolph Brooks Federal Credit Union, and Derek Hayes, AAP, APRP, Senior Products Manager of Cards and Payments at 1st Source Bank—both of whom are using Card Expert to inform strategy and deliver stronger results. Read more: https://xmrrwallet.com/cmx.pow.ly/eMew50Wy5YA #Payments #CardholderInsights #DataDrivenBanking #CardPortfolioManagement #DigitalWalletAdoption #BankingAnalytics #CustomerEngagement #CreditUnionStrategy #FinancialData #PaymentsTechnology

A consumer purchases a product and receives exactly what was described. However, they experience buyer’s remorse and want to return it. Unsure if they’ll be refunded, they falsely report the transaction as fraudulent instead. Nicole Reyes, Managing Vice President of Risk Operations at Velera and Suzanne Sando, Lead Fraud Management Analyst at Javelin Strategy & Research, discuss how to differentiate types of consumer-engaged fraud, the emerging threats within the category, and the steps organizations can take to protect themselves. Read more: https://xmrrwallet.com/cmx.plnkd.in/g_zv8pTK #Fraud #FraudPrevention #ConsumerFraud #FinancialSecurity #DigitalFraud #FirstPartyFraud #Cybercrime #FraudDetection #RiskManagement #FraudAwareness Jacob Jegher, Brian Riley, Jordan Hirschfield, Ryan Cole, Don Apgar, James Wester, Christopher Miller, PhD, Craig Lancaster, Ben Danner, Matthew Gaughan, Suzanne Sando, Jennifer Pitt, Kevin Libby, Justin Hamel, Christopher Lascano, Emmett Higdon, Mark Schwanhausser, Tracy G., Dylan Lerner, Ian Benton, Gregory Magana, Lea Nonninger, Hugh Thomas, Troy Showell, Kierstin Lemasters, Jenn Johnson

In the latest convergence of digital assets and mainstream financial services, PayPal is launching a platform that enables merchants to accept payments in over 100 cryptocurrencies. The service, Pay with Crypto, allows consumers to connect their existing crypto wallets from major platforms like Coinbase Wallet, MetaMask, Kraken, and OKX—unlocking access to a market of 650 million crypto users. At launch, the platform will be available to all U.S. users except those in New York. Read more: https://xmrrwallet.com/cmx.plnkd.in/eY3cQEkG #Payments #CryptoPayments #DigitalAssets #PayPal #Stablecoins #CrossBorderPayments #FintechInnovation #PYUSD #MerchantSolutions #BorderlessFinance

One of the main challenges with many AP processes is that they still depend on manual invoices, requiring a high degree of administrative involvement. They also often rely on siloed systems. “There are so many companies that have multiple banking accounts or solutions,” Marchelle Becher, Business Development Executive at B4B Payments - A Banking Circle Group Company said. “It’s very fragmented. We see that there’s an increase in reconciliation errors in general, and they’re still using older payout methods like wires and writing checks and ACH. Today we’ve got so many other solutions that streamline the whole process.” Read more: https://xmrrwallet.com/cmx.plnkd.in/eJF6A_te #Payments #AccountsPayable #FintechInnovation #VirtualCards #PrepaidCards #B2BPayments #PaymentAutomation #CashFlowManagement #FraudPrevention #DigitalFinance

Financial institutions are among the most trusted entities in the world. Consumers believe their banks act in their best interests—especially when it comes to protecting them from fraud. They expect strong, effective solutions that support their everyday financial activities, safeguard their accounts, and secure their identities. But trust isn’t automatic—it must be earned. Nowhere is this more true than in the fraud dispute process. Ryan Sorrels, CRO at Quavo Fraud & Disputes and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, discuss how, instead of letting disputes drive customers away, banks can use these moments to build deeper trust and strengthen relationships. Read more: https://xmrrwallet.com/cmx.plnkd.in/esyM5fWA #FraudPrevention #CustomerExperience #BankingInnovation #FinancialServices #DisputeManagement #AIinBanking #DigitalBanking #FintechTrust #CustomerLoyalty Jacob Jegher, Brian Riley, Jordan Hirschfield, Ryan Cole, Don Apgar, James Wester, Christopher Miller, PhD, Craig Lancaster, Ben Danner, Matthew Gaughan, Suzanne Sando, Jennifer Pitt, Kevin Libby, Justin Hamel, Christopher Lascano, Emmett Higdon, Mark Schwanhausser, Tracy G., Dylan Lerner, Ian Benton, Gregory Magana, Lea Nonninger, Hugh Thomas, Troy Showell, Kierstin Lemasters, Jenn Johnson

One of the most important resources for any card portfolio manager is understanding cardholders’ spending patterns. This requires not just full access to data, but also the ability to interpret what the data reveals. In a PaymentsJournal Podcast, Janine Wilson Director of Data Solutions at Fiserv, discussed innovative ways financial institutions are now leveraging cardholder data. She was joined by Deana Bartel, Vice President of Payment Services at Randolph Brooks Federal Credit Union, and Derek Hayes, AAP, APRP Senior Products Manager of Cards and Payments at 1st Source Bank. Read More: https://xmrrwallet.com/cmx.pow.ly/hblW50WwJxA

Buy now, pay later (BNPL) loans have become staples in digital wallets, but Samsung Wallet’s upgrades aim to cut out the middleman. The mobile phone maker is rolling out installment payment options in select U.S. states, ahead of a broader launch later this year. Samsung will initially offer four repayment options, ranging from six payments over two weeks to and the longest extending to nine monthly payments. Read more: https://xmrrwallet.com/cmx.pow.ly/v25k50Ww6GJ #Payments #BNPL #SamsungWallet #DigitalWallets #Fintech #InstallmentPayments #MobilePayments #PaymentInnovation #ConsumerFinance #TapToPay #DigitalBanking

Not all companies will adopt embedded finance, but any company involved in selling products or engaging in commerce is inherently connected to financial transactions. This connection provides an opportunity to embed further into the customer journey and solidify those relationships. Financial service providers will be keen to integrate into payment processes like these. They can support experimentation in this space through rebates or upfront help. Business should not hesitate to lean heavily on them, embedding these capabilities into RFPs for financial services products, particularly in payments. Read more: https://xmrrwallet.com/cmx.plnkd.in/gDi5SzcG #Payments #EmbeddedFinance #DigitalPayments #FintechInnovation #Highnote #B2BPayments

Just two years ago, Reuters reported that more than 130 countries were exploring central bank digital currencies (CBDCs), and that nearly all of the G20 countries were in the advanced phases of their programs. However, only three countries—Nigeria, Jamaica, and the Bahamas—have launched CBDCs to date, and programs in many other countries have come to a standstill. As Joel Hugentobler, Cryptocurrency Analyst at Javelin Strategy & Research, found in CBDCs Are Dead—for Now. What Comes Next?, several factors are behind the rapid shift away from government-issued, fiat-backed tokens. More important, shelving CBDC programs could have long-ranging effects on the digital assets industry. Read more: https://xmrrwallet.com/cmx.plnkd.in/eAfB7zSf #CBDC #Stablecoins #DigitalCurrency #PaymentsInnovation #Cryptocurrency #FinancialRegulation #DigitalAssets #CentralBank #Fintech #PrivacyConcerns

Stay ahead of the trends transforming the payments space. Look for the PaymentsJournal podcast on Spotify and Apple. #payments #banking #crypto #fraud #digitalbanking