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  Payments will evolve with digital banking

  “Rather than basic capabilities, consumers want a complete digital banking experience,” a payments firm professional writes. “They want access to all of the buzzworthy features.”

  John Mitchell • Dec. 9, 2022

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  Credit swipe-fee relief needed

  “Congress has a responsibility to bring much-needed transparency and competition” to credit card swipe fees, writes the chairman of the trade association for 7-Eleven franchisees.

  Sukhi Sandhu • Nov. 18, 2022

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  Preparing for the CBDC era

  Central bank digital currencies would allow for faster cross-border payments that would “help boost trade within the region and with the rest of the world,” an Equinix executive writes.

  Lance Homer • Nov. 9, 2022

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  BNPL for business is a high stakes proposition

  “As BNPL providers, especially in the business realm where more money is being spent, fintechs are going to need much more sophisticated, secure, reliable authentication methods,” writes Flexbase CEO Zaid Rahman.

  Zaid Rahman • Oct. 24, 2022

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  FedNow may stumble without nonbanks, cross-border payments

  “In addition to cross-border payments, the benefits of FedNow must be widely available to Americans through competitive, diverse providers — including nonbanks,” writes a U.S.-based Wise executive.

  Rina Wulfing • Oct. 18, 2022

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  Reduce cyber risk as digital bill payment options expand

  “Not all payment platform companies are managing operational and security as judiciously as they could, and that will eventually result in costly payment failures, customer friction, or potentially a breach,” writes PayNearMe Vice President Tim Murphy.

  Tim Murphy • Oct. 13, 2022

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  Future of B2B payments lies in embedded finance

  “Unfortunately, the business-to-business market lags behind its B2C counterpart and is only just beginning to embrace embedded finance,” writes Melio COO Tomer Barel.

  Tomer Barel • Oct. 7, 2022

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  Busting the myths on FedNow

  Jessica Cheney, a vice president at Bottomline Technologies, aims to dispel myths about the meaning and impact of the coming Federal Reserve instant payment system.

  Jessica Cheney • Sept. 27, 2022

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  QR code resurges for payments

  “Businesses that have consigned QR technology to the tech graveyard would be wise to give it another look,” writes Mike Storiale, Synchrony’s VP of innovation development.

  Mike Storiale • Sept. 22, 2022

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  Consumers need credit card reform

  “It's not just merchants at the mercy of the oligopoly,” writes Ed Mierzwinski, a senior director at the Public Interest Research Group. “Consumers all pay more at the store and more at the pump.”

  Ed Mierzwinski • Sept. 2, 2022

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  Blaming cards for high gas prices doesn't make sense, trade group argues

  The leader of the Electronic Payments Coalition tells people looking to blame credit and debit card companies for higher gas prices to find a different scapegoat.

  Jeff Tassey • July 25, 2022

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  BNPL will evolve as providers tweak the model

  “Challengers frequently believe BNPL 1.0 is what it is, and will not evolve,” writes Brian Shniderman, CEO of Opy, a U.S. subsidiary of Australian payments fintech Openpay. “But it can, and very recently, it has proven that it will.”

  Brian Shniderman • July 20, 2022

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  Banks and fintechs don't need to fight

  “Rather than competing with one another, banks and fintechs are increasingly partnering,” writes Modern Treasury CEO Dimitri Dadiomov.

  Dimitri Dadiomov • July 12, 2022

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  Don't abandon stablecoins over Terra, CFO says

  Fintechs and financial services players will "be the driver of innovations and regulations that enable stablecoins, crypto and other digital assets to scale," argues Metallicus Chief Financial Officer Irina Berkon.

  Irina Berkon • July 6, 2022

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  From a payments CEO: 5 discriminatory behaviors that need to go

  “Until the industry addresses this blatant lack of advocacy for women in leadership, it will continue to foster a culture where women can’t thrive,” says Stax CEO Suneera Madhani.

  Suneera Madhani • June 30, 2022

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  Friendly fraud: How should fintechs view the risks?

  With friendly fraud, fintechs don’t always consider the whole picture when it comes to fraudulent disputes.

  Sarah Mirsky-Terranova • June 21, 2022

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  Card fees: the price hike nobody is talking about

  "The Visa-Mastercard duopoly controls about 80% of the market share, allowing them to raise fees indiscriminately and with no formidable opposition," contends Doug Kantor, general counsel for the National Association of Convenience Stores.

  Doug Kantor • June 17, 2022

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  Visa's CEO braces for legislation

  Visa CEO Al Kelly said Sen. Dick Durbin is contemplating new legislation that would impose more pricing restrictions on the card industry. Kelly didn't elaborate and Durbin has been mum.

  Lynne Marek • May 31, 2022

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  Are restaurant operators eating too many fees?

  "I’ve been disappointed to see how the payments industry is constantly looking for ways to profit off of small businesses in sneaky ways," says Copper CEO Dickson Chu.

  Dickson Chu • May 16, 2022

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  FTA pushes for remittance fee reform

  "We urge Director Rohit Chopra to update the CFPB’s outdated remittance rule and take on the high cost of international payments," the Financial Technology Association says in this op-ed piece.

  Penny Lee • May 2, 2022

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  Retail has a checkout problem...and speed alone won't solve it

  The speed of one-click checkout isn't the answer to every cart abandonment problem, says one payments tech executive. There are other factors for retailers to consider when determining whether the checkout experience is convenient for the customer.

  Yvan Boisjoli • April 19, 2022

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  Waiting for action on hidden cross-border fees

  An executive with the cross-border payments company Wise Payments calls on the federal government to expose the hidden fees buried in international remittance transactions.

  Rina Wulfing • April 18, 2022

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  3 ways banking and finance could blur in 2022

  New relationships have taken root in the space between banks and other financial service providers, writes Fabrizio Burlando, executive vice president of consulting at Mastercard.

  Fabrizio Burlando • March 21, 2022

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  Decline of cash spotlights swipe fees

  "At a time when the economy is still building back from the pandemic, these rising fees desperately need to be brought under control, and the rapid move toward an all-electronic economy with little cash makes the need to do so all the more urgent," writes National Retail Federation Vice President Leon Buck.

  Leon Buck • Feb. 16, 2022

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  Fintechs won't replace traditional banking

  "The biggest battle traditional banks face is customer satisfaction," says Galileo Financial Technologies Chief Revenue Officer Seth McGuire. "Digital-only and standalone digital options have sky-high satisfaction scores."

  Seth McGuire • Jan. 28, 2022

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