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  Congressional card bill won’t yield benefit

  If it were to pass, the Credit Card Competition Act proposal would result in additional costs without any gains, argues one payments industry consultant.

  Ken Musante • Jan. 22, 2024

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  X gains money transmitter approval in Utah

  X has been collecting money transmitter approvals in recent months to launch peer-to-peer payments in the app.

  Andrew Hutchinson • Jan. 17, 2024

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  Why payments to government agencies should be easier

  “Increasingly, government agencies — and the people they serve — need a payments system that is connected across departments and jurisdictions,” writes one payments executive.

  Sloane Wright • Oct. 23, 2023

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  Now’s the time for national EWA legislation

  “Instead of state-by-state regulation, federal government guidance must be updated and clarified,” authors of a recent working paper on earned wage access write.

  Marshall Lux and Cherie Chung • Oct. 11, 2023

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  What the CFPB’s open banking push means for financial institutions

  “The narrative often centers around consumer empowerment, but let’s not overlook the advantages it holds” for financial institutions, writes an executive at financial connectivity company Atomic.

  Andrea Martone • Oct. 3, 2023

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  Is FedNow pivotal for payments or overhyped?

  FedNow won’t fill the gap between the U.S. and other countries in payments innovation, writes one fintech CEO.

  Eric Shoykhet • Sept. 26, 2023

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  Why on-demand pay lures employees

  Employers can better compete for gig workers, and other employees, by offering instant payment of wages, one fintech president argues.

  Charles Rosenblatt • Aug. 31, 2023

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  Why the CCCA is ‘ill-informed’

  A payments processing consultant argues that the Credit Card Competition Act isn’t the way to spur more competition in the industry.

  James Shepherd • Aug. 24, 2023

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  Why the ‘click-to-cancel’ amendment makes sense

  “This proposal reflects the growing consumer demand for an easier subscription cancellation process,” writes a payments industry CEO. “However, this isn’t only in the interests of consumers.”

  Monica Eaton • Aug. 11, 2023

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  It’s time for a new payday approach

  “It's time to question whether this traditional approach to paying employees is still the most efficient and equitable,” writes one earned wage access CEO.

  Kevin Coop • July 28, 2023

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  FedNow’s launch ‘is just the start’

  Direct access to the Fed’s payments system for nonbanks — specifically payments companies — will push the U.S. more fully into payments modernization, writes an executive from cross-border payments company Wise.

  Brigit Carroll • July 21, 2023

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  As biometrics use advances, so must hacker defenses

  “Hackers are using all sorts of sophisticated methods to trick and bypass biometric technology – like capturing audio clips of individuals’ voices, making fake fingerprints using putty and gelatin, and downloading photos and videos,” an executive writes.

  Alessandro Chiarini • July 7, 2023

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  B2B must embrace digital payments

  “B2B organizations have been slow to adapt to the changing demands and expectations of Gen Z,” writes a payments company vice president. “This is a huge mistake, and it can cost them dearly in the long run.”

  Justin Main • June 22, 2023

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  Get ready for FedNow

  “In the U.S., we never kill payment systems,” writes Modern Treasury cofounder Sam Aarons. “People still write paper checks. But the future of money, especially inside larger enterprises, is instant payments.”

  Sam Aarons • June 13, 2023

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  BNPL regulation requires balancing act

  “As the CFPB prepares to release new regulatory guidance on BNPL providers, it is important that any new regulations do not stifle the industry's growth and limit its availability,” writes one checkout services CEO.

  Jordan Gal • June 7, 2023

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  Give EWA a chance

  “It is unclear why critics want to place EWA in the credit silo and call for heavy-handed regulations to restrict access to EWA products,” argues the CEO of the Innovative Payments Association.

  Brian Tate • May 24, 2023

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  How to advance cross-border B2B payments

  “Regional regulatory bodies must work together on common financial standards that support multilateral payment systems if we are to make progress,” writes one payments professional.

  Scott Frisby • May 15, 2023

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  Swift executive calls for payments standardization

  “As a standardized format, ISO 20022 creates a common language for international payments the world over,” writes an executive in support of industry collaboration.

  Stephen Lindsay • April 26, 2023

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  FedNow won’t bring ‘tidal wave’ of change

  “Payments solutions reach scale when they provide better usability, affordability, and security,” write partners at a San Francisco venture capital firm.

  Kevin Jacques and Ben Malka • April 21, 2023

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  Why card networks should embrace gun codes

  Using the new merchant category code for gun and ammunition sales “could help identify dangerous patterns,” one advocacy group lawyer argues.

  Adam Skaggs • April 13, 2023

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  FedNow gives banks a leg up against fintechs

  The instant payment floodgates are about to open when FedNow launches in July, giving banks a chance to win back customers lost to fintechs, says one GFT Group executive.

  Carlos Kazuo Missao • April 3, 2023

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  Eliminating costly false declines online

  “False declines are especially problematic in an environment where demanding customers with high expectations are not afraid to take their business elsewhere,” writes an Experian executive.

  Chris Ryan • Feb. 6, 2023

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  Why the Arizona AG opinion on EWA matters

  “The Arizona decision is in line with decades of decisions across the country that have found that non-recourse products are not loans,” the Payactiv authors write in this opinion piece.

  Aaron Marienthal and Molly Jones • Jan. 24, 2023

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  Can anything challenge ACH?

  The ACH system has proven to be scalable, secure, ubiquitous and reliable, but complaints about processing times persist, writes Sila CEO Shamir Karkal.

  Shamir Karkal • Jan. 6, 2023

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  Why real-time payments make sense today

  The impact real-time payments could have on customers and providers alike should not be ignored — especially in the face of an impending recession, writes a fintech co-founder.

  Justin Adler • Dec. 14, 2022

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