Jens Audenaert
Jun 23, 2022

Moving from a legacy payment infrastructure to a modern, flexible, next-generation system requires a purposeful, phased approach.

In a world of digital wallets, mobile payments and fintechs, platform modernization stands as an inevitable journey for banks and payments processors.

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Cash flow problems represent the number one issue reported by small and micro-businesses, according to a 2018  State of Small Business survey.

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As a generation that shows more discretion in spending habits, millennials look to technology—and mobile in particular—to help them manage money and get the best deals and consumer rewards.

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Levels of credit have historically been based on the FICO score.

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Sometimes industry self-regulation does a better job protecting consumers than government regulation does.

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The digital movement of money from consumer to merchant to bank and back again—all in the blink of an eye—is upon us.

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The next time you look at the chip on your debit or credit card, consider this: We will soon mark the three-year anniversary of the EMV liability shift for point-of-sale transactions in the U.

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With artificial intelligence taking off, banks find themselves in an unprecedented position to meet and anticipate customer needs.

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With today’s fintech industry covering such a wide swath of innovation and invention, it’s harder than ever to identify specific pockets of major forward movement.

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When the senior executives at Citizens Bank of Edmond, Oklahoma first considered signing up for Apple Pay nearly three years ago, the scenario resembled that faced by other community and mid-sized banks: lots of obstacles ahead.

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The endless disruptions and revolutions in payments have done more than just taken “evolution” out of the picture: They’ve also sent the banking industry on a “wild ride.

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If you talk to your customers for any length of time, the topic of cryptocurrency invariably comes up.

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A new era in technology driven by the “Do it for Me” phenomenon is blossoming all around us—and “driven” can be taken literally, what with the advent of self-driving cars.

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Five decades after they were first unveiled in Swinging London as marvels of secure, cash-dispensing convenience, automatic teller machines are more vulnerable than ever—thanks to a wide array of attacks that include skimming devices, malware, intercepted communications, outright theft of the machines—and a new technique known as “jackpotting.

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Through modern history, banks have pretty much owned the payment business: the rules, the operations, the settlement, the technology advances and most of all, the revenue it throws off.

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The ever-shifting mix of cash, checks, ACH and electronic payments methods are now top-of-mind when people discuss today’s in banking—especially as consumers increasingly adopt electronic payments methods in their daily routines.

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For wholesale banks, one New Year’s resolution represents equal parts common sense and common good: to take the necessary steps to remain relevant to customers and profitable in 2018.

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While principally aimed at curbing the grey economy, Indian Prime Minister Narendra Modi’s ballyhooed demonetization campaign last year spotlighted the war between cash and electronic payments in the mother of all emerging markets.

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