PaymentsJournal

PaymentsJournal


Latest Episodes

Making Cross-Border Payments Work at Smaller FIs—as Originating Institutions or Correspondent Banks
October 15, 2025

For decades, typically large regional or money center banks served as correspondent banks that enabled smaller banks to offer cross-border payments. It was rare for credit unions, community banks, and

Banking, Reimagined: The Role of ITMs
October 14, 2025

As more people choose to bank online, the role of the traditional branch has undergone a transformation. Once the go-to place for every financial need, the branch is now primarily a hub for more compl

The Invisible Checkout: Embedded Payments Transform Small Business
October 01, 2025

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
September 17, 2025

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
August 28, 2025

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
August 27, 2025

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
August 18, 2025

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
August 15, 2025

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
August 13, 2025

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
August 06, 2025

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,