PaymentsJournal

PaymentsJournal


Latest Episodes

Sorting the Scams: The Many Faces of Consumer-Engaged Fraud
July 31, 2025

A consumer purchases a product and receives exactly what was described. However, they experience buyers remorse and want to return it. Unsure if theyll be refunded, they falsely report the transacti

Turning Fraud Disputes Into a Win for Banks
July 30, 2025

Financial institutions are among the most trusted entities in the world. Consumers believe their banks act in their best interestsespecially when it comes to protecting them from fraud. They expect s

Unlocking Profit: How Data Mining Transforms Card Portfolio Strategies
July 29, 2025

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 t

A Fragmented Accounts Payable Process Is a Liability in More Ways Than One
July 22, 2025

At best, an inefficient accounts payable process can result in delayed payments or limited visibility into spending. At worst, it could lead to misrouted payments and an increased probability of fraud

Beyond Plastic: Why Digital Cards Are the Future
July 08, 2025

Digital cards saw a significant boost in adoption during the pandemic, initially driven by necessity. However, it quickly became clear that hygiene was just one of many benefitsand not even the most

What to Expect When Nacha’s Fraud Monitoring Rules Take Effect
July 01, 2025

When a financial institutions customer is tricked into sending a payment, there has often been little recourse for the victim. As credit push fraud becomes increasingly prevalentamplified by sophist

Don’t Just React to What’s Next in Payments—Anticipate It
June 30, 2025

For years, many businesses proclaimed they would never transition their payments to SaaS. Even as everything else moved to the cloud, financial professionals remained adamant that payment services and

How Embedded Payments Is Optimizing the Expense Management Process
June 25, 2025

Organizations routinely ask employees to take clients out to lunch or attend industry conferences. Yet the expense management process designed to support these essential functions is often manual, tim

How Banks Can Bring Small Businesses Back to the Fold
June 24, 2025

The relationship between financial institutions and small businesses has grown increasingly strained. Many small businesses are becoming dissatisfied with their payment and banking services. In fact,

Taking the Check Out of Paycheck: The Role of Prepaid in Payroll
June 16, 2025

The traditional model of biweekly or monthly physical check payouts is rapidly becoming a thing of the past. For businesses, moving away from checks results in lower processing costs and a reduced ris