Opinion: Page 4

The latest opinion pieces by industry thought leaders

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  • Sam's Club partners with Mastercard and Synchrony on rewards program.
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    Courtesy of Sam's Club
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    Card reward programs are the rising tide to lift all boats

    The chairman of the Electronic Payments Coalition argues "Americans— regardless of income—love their credit card rewards programs." And the programs benefit consumers and merchants alike, he contends.

    Jeff Tassey • Jan. 11, 2022
  • A college student with a pink face mask looking at ther phone.
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    stock.adobe.com./Antonioguillem

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    Payments are becoming invisible. Here's why that's a good thing.

    "The next great evolution will see payments fully disappear into simplified, holistic commerce platforms," according to a U.S. Bank payments executive. That new era "will be here faster than you think."

    Shailesh Kotwal • Jan. 4, 2022
  • An employee wears a mask as they work in a coffee shop at Union Station on July 30, 2021 in Washington, DC.
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    Kevin Dietsch via Getty Images
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    For hourly workers, the paycheck is the enemy

    The magnitude of financial precarity in America is staggering. This is why employers have a responsibility for the financial health of their workers.

    David Baga • Dec. 8, 2021
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    Matt Cardy via Getty Images
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    Payments trade group rebuts retailers

    The Electronic Payments Coalition says it wants to set the record straight: "Expanding the Durbin Amendment would be a disaster for consumers and small businesses."

    Jeff Tassey • Nov. 11, 2021
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    Matt Cardy via Getty Images
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    Retail groups urge credit swipe routing changes

    Retail and merchant trade groups have long pressed policymakers for regulatory changes to reduce card interchange fees. Now, they're urging that routing of credit card transactions be regulated just as debit transactions already are. 

    Doug Kantor • Oct. 19, 2021
  • Commonwealth Director Brian Gilmore
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    Permission granted by Kristen Elworthy from Seven Hills Communications
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    New fintech tools must address demographic gaps in usage

    "While overall fintech usage is up across all demographics, there were gaps in the usage of certain types of tools," says Brian Gilmore, a director at the non-profit Commonwealth. There is "a rich opportunity for fintechs and financial services providers to better serve financially vulnerable consumers."

    Brian Gilmore • Aug. 9, 2021
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    Permission granted by Jacquelyn Reineke
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    Creating financial inclusion in banking and payments

    "A bank account opens up a consumer’s access to not only their own money and a lack of fees, but it is essential to creating long-term financial health," argues one Washington advocate attuned to unbanked issues.

    Devina Khanna • July 21, 2021
  • Dwolla CEO Brady Harris
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    Retrieved from Spokesman for Dwolla Zach Weismiller, of Blast Media on July 06, 2021
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    3 reasons to move to real-time payments

    For businesses on the fence about using real-time payments, making a move to use them will provide a competitive edge and increase customer satisfaction, Dwolla CEO Brady Harris argues.

    Brady Harris • July 6, 2021
  • Dior activates AR e-commerce for B27 sneaker on Snapchat
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    Courtesy of Snap, Inc.
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    Transparency, collaboration needed to spot online transaction fraud

    False positives in the battle against e-commerce fraud are depriving retailers, credit card companies and payment processors of revenue on legitimate sales, CMSPI's Toby McFarlane said.

    Toby McFarlane • May 7, 2021
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    Wikimedia Commons
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    After digital payments rush, time to tighten security

    Don't be surprised if a vendor you're about to pay turns out to be fraudulent. ACH and other types of cyber fraud surged during the pandemic. 

    Angela Anastasakis • April 1, 2021