Opinion
The latest opinion pieces by industry thought leaders
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BNPL lenders should report customers’ data
Keeping BNPL data from consumers’ credit reports is preventing millions of people from building credit, the CEO of a fintech trade association says.
Phil Goldfeder • Oct. 3, 2025 -
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The trouble with ending US checks
The government must modernize payments, but officials retiring paper checks should be thoughtful and inclusive, the CEO of a consumer group writes.
Jennifer Tescher • Sept. 26, 2025 -
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Don’t conflate surcharges and ‘junk’ fees
“Payment processors and merchants must strongly oppose claims conflating credit card surcharging with mandatory or ‘junk’ fees,” say legal pros.
Jonathan Razi and Keturah Taylor • Sept. 19, 2025 -
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APR caps would shrink access to credit
“Well-meaning legislation shouldn’t leave behind the very people it intends to help,” writes one bank CEO.
David Becker • Sept. 12, 2025 -
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Earned wage access should be free
“This industry simply cannot continue to charge employees to access their pay,” writes a fintech founder. “We cannot expect employers to deduct these fees from paychecks through payroll.”
Jason Lee • Sept. 5, 2025 -
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The case for earned wage access
“This is a tool that workers value and that policymakers should make more accessible, full stop,” one economist writes.
Jonathan Davis • Aug. 15, 2025 -
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Big bank moves threaten innovation
That threat extends to American leadership, but the Trump administration can address it in a revised open banking rule, trade group leaders say.
Penny Lee and Ji Hun Kim • Aug. 8, 2025 -
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Stablecoins face last-mile trouble
“The promise of stablecoins to solve existing issues quickly encounters a series of challenges,” writes an ACI Worldwide executive. “Chief among them is what we call the ‘last mile’ problem.”
Phil Bruno • July 24, 2025 -
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A small business fight against card fee caps
“This isn’t a red state or blue state issue, it’s a Main Street issue being driven from both statehouses and Capitol Hill,” writes one small business owner.
Jessica Ward • July 17, 2025 -
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Why payments modernization can’t wait
“The health care industry is a case study for what’s at stake when industries resist or delay modernizing their payment systems,” writes one payments executive.
Yusuf Qasim • July 11, 2025 -
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Don’t make Americans pay to pass financial data
“Pausing or gutting Rule 1033 wouldn’t just stall innovation,” writes one industry executive who has international perspective. “It would send a message that the system works best when it’s closed.”
Jamie Twiss • June 20, 2025 -
Courtesy of Courtesy of Circle
GENIUS Act is just the beginning
“The bill tackles the fundamental question that has paralyzed our industry: what exactly is a stablecoin, and who gets to regulate it?” writes one Tulane University professor.
Ryan Peters • June 10, 2025 -
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Don’t Turn Back the Clock on earned wage access
The Consumer Financial Protection Bureau “should settle this issue once and for all by issuing an expanded (EWA) advisory opinion,” writes a trade group leader.
Brian Tate • June 6, 2025 -
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Let’s scrap paper checks
If the federal government can ditch paper checks, so can the private sector, one industry CEO contends.
Chase Gilbert • May 16, 2025 -
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Banks must accelerate ISO 20022 prep
“While larger banks have made considerable progress in preparing for this transition, smaller regional banks and credit unions are largely lagging,” writes one IT executive.
Robert Turner • May 9, 2025 -
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Gen Zers expect more of B2B payments
“For Gen Z, payments go beyond speed — they reflect values, transparency, and purpose,” writes one accounts receivable software CEO.
Sunil Rajasekar • March 14, 2025 -
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How stablecoins may extend US dollar supremacy
“Dollar-based stablecoins such as USDT and USDC are traded all over the world at any time of the day, regardless of holidays, time zones, and whether markets are open or closed,” writes the CEO of an embedded finance company.
Bam Azizi • Feb. 20, 2025 -
Courtesy of Walmart
Payment tools proliferate, consolidation looms
“The winners in this consolidation won't necessarily be the biggest players,” writes a checkout technology company CEO. “They'll be the ones who understand that consumers don't want more payment options — they want better ones.”
Justin Grooms • Feb. 12, 2025 -
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Why enabling FedNow ‘send’ matters
Financial institutions that “fail to adopt both send and receive functions may be exposing their organizations to competitive disadvantages as well as reputational risks,” writes one industry executive.
Mihail Duta • Jan. 17, 2025 -
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Banks scramble to meet new ISO standard
“Companies that delay action risk losing out on both improved payment experiences and potential business with companies whose systems no longer sync up,” writes one industry senior vice president.
Robert Turner • Dec. 12, 2024 -
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How passing the CCCA would benefit nonprofits
"Nonprofits and charities need every penny they can get to make effective change in times of crisis, yet big banks and credit card companies continue to take their cut," writes one policy analyst.
Hassan Tyler • Nov. 20, 2024 -
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Payments players should embrace digital currencies
“Emerging currencies, digital assets, and even next-generation fiat options could be integrated thoughtfully, allowing companies to access new markets,” writes one industry chief revenue officer.
Ryan Miller • Nov. 15, 2024 -
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DOJ’s Visa suit is unfounded
The government acknowledges payment volumes are rising, in part because of fintech growth. This competition wouldn’t be happening if a single entity, like Visa, controlled the ecosystem.
Aurelien Portuese • Nov. 5, 2024 -
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Is the FTC targeting chargeback service providers?
“For better or for worse, applying pressure to payments organizations to ferret out bad-merchant actors seems to be an effective way for the FTC to make private industry police the merchant marketplace,” writes an industry lawyer.
Edward A. Marshall • Nov. 1, 2024 -
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Illinois should abandon interchange law
“Illinois has made a hasty decision that, if implemented, would have government change our payments system that functions so well that we barely notice it,” writes a trade group CEO.
Jodie Kelley • Oct. 25, 2024
