PaymentsJournal

Latest Episodes
Beyond Plastic: Why Digital Cards Are the Future
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
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
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
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
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
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
Remodeling Main Street: How Community Banks Can Leverage the Banking-as-a-Service Paradigm
Community banks are the heart and soul of their localities, often providing the spark that helps small businesses achieve their goals. However, the emergence of new technologies in recent years means
How FIs Are Cutting Through Subscription Clutter with PFM Tools
Consumers are inundated with accounts, apps, and subscriptionsoften to the point where they lose track of what theyve signed up for. This can be costly for consumers, but it also prevents financial
Stranger Danger: Protecting Your Children from Identity Theft
Although child identity theft has received increasing attention in recent years, most parents don't discover itlet alone take actionuntil after experiencing a financial loss. Among families who repo
The Agentic Advent: How the Next Iteration of AI is Shaping Commerce
Although generative artificial intelligence has powerful proficiencies, its limitations have become more apparent as the technology is deployed at scale. Now, however, Visa and Mastercard have unveile