PaymentsJournal

Latest Episodes
The Invisible Checkout: Embedded Payments Transform Small Business
Almost without notice, disappearing payments have shifted from novelty to expectation in small business transactions. A traveler arrives at an airport, books a rideshare, and checks into a hotelnever
How to Streamline the Onboarding Process and Speed Up Underwriting
Customers signing up for new accounts and services can feel frustrated by the hoops they have to go through, assembling information and entering it in complicated, sometimes multiple forms, whether on
Why Bill Pay Is an Underutilized Touchpoint for Financial Institutions
Amid the rise of subscriptions and digital services, consumers are juggling more bills than ever. In fact, the average U.S. household now pays around 10 bills each montha growing list that can be tri
Exploring the Factors Driving Continued ACH Growth
In just the first half of the year, ACH payment volume grew by 5.5% on a daily average basis, reaching roughly 17.25 billion payments. The growth is even more pronounced in terms of dollar value, with
Amid Surging Stablecoin Use Cases, Payouts Stand Out
The passage of the GENIUS Act in the U.S. has brought stablecoin interest to a fever pitch in recent months. However, even as more of the worlds leading organizations consider launching stablecoin, t
Share and Share Alike: The Promise of Cyber Fusion
One of the most effective tools in the fight against cybercrime is information sharingparticularly through anonymized consortium data signalsa practice increasingly referred to as cyber fusion. Desp
With Rising Compliance Demands, Reconciliation and Reporting Take Center Stage
Many organizations treat their reconciliation and reporting as mere check-the-box activities, investing only the bare minimum to remain compliant. However, companies that deprioritize these critical b
What Texans Credit Union Learned from Upgrading its General Ledger
When credit unions look for ways to improve service for their members, accounting systems may not be the first thing that comes to mind. But when Texans Credit Union upgraded its accounting platform,
Why More Merchants Are Centralizing Their Payments Infrastructure
As the technology behind payments processing accelerates, it's also reshaping how merchants need to think about the ways their customers pay. Increasingly, acquirers are discovering that by focusing o
Sorting the Scams: The Many Faces of Consumer-Engaged Fraud
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