PaymentsJournal

PaymentsJournal


Latest Episodes

As ATMs Do More, Financial Institutions Require Sophisticated Solutions
September 12, 2024

The ATM industry has undergone a dynamic shift that has taken automated teller machines far beyond cash dispensation. As the number of bank branches has declined, both banks and consumers expect ATMs

Merging Loyalty and Gift Card Programs for an Optimal Holiday Shopping Season
September 10, 2024

With no relief from inflation in sight, consumers are bracing for an expensive holiday shopping season, especially with only 27 days between Thanksgiving and Christmas this year. To stretch their b

Filling the Gaps in Cash Flow Needs  
September 09, 2024

Access to emergency funds provides peace of mind, especially when many people find themselves scrambling to cover expenses.Given the needs of younger consumers, liquidity and cash flow issues are bec

ISO 20022 Brings the Challenge of Standardization to Swift Participants
August 28, 2024

The upcoming conversion to ISO 20022 presents both challenges and opportunities for banks. It allows them to drive potential efficiencies by redesigning operational processes around Swift messaging. H

Open Banking Can Be an Equalizer for Small Banks and Credit Unions
August 27, 2024

Open banking has come to encompass so much that it can be hard to define. At its heart, open banking is about opening consumer financial dataonce the sole domain of banksto third-party service provi

Achieving Seamless and Holistic Transactions with Payments 3.0
August 26, 2024

After companies have spent years struggling to build their own payments systems, the era of Payments 3.0 has arrived. This new domain is driven by technological innovators who take a product-centric a

The Elevated Role of Cash Visibility and Automation in the CFO’s Office
August 13, 2024

The role of the Chief Financial Officer has evolved significantly in recent years, with finance offices increasingly tasked with driving business growth. As technology requirements and banking relatio

Test New Audio Player
August 13, 2024

As fraud related to artificial intelligence (AI) becomes increasingly sophisticated and accessible, many legacy lines of defense are no longer able to effectively protect financial institutions and th

The Ongoing Success Story of ACH
August 07, 2024

The ACH Network is set to surpass 33 billion payments by the end of the year, marking a significant milestone. Consumer Internet-initiated payments are set to surpass 10 billion, a remarkable achievem

Paper or Plastic: Sustainable Cards Are the Wave of the Future
August 06, 2024

Cards made from paper and other sustainable materials continue to gain in popularity. In addition to being ecofriendly, paper cards are more cost-effective and perfect for single-use purposes, such as