Deep Dive

Industry insights from our journalists


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    Prostock-Studio via Getty Images

    Will biometrics be the future of payments?

    The use of biometrics to authenticate payments is poised to bring more security and speed to transactions, but some say broad adoption on the part of consumers and merchants is still far from reach.

    Caitlin Mullen • Sept. 26, 2022
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    abdoudz via Getty Images

    FedNow chases real-time payments front-runners

    The Federal Reserve plans to unleash a U.S. real-time payments system next year in the form of FedNow, but it’s an open question as to whether, or how, consumers and businesses will adopt instant payments.

    Lynne Marek • July 14, 2022
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    Don Arnold via Getty Images

    BNPL players' losses grow as costs soar

    Buy now-pay later providers are having to pay a hefty price to keep up with surging consumer demand for their financing services, spending large sums to add new technology and more employees. As a result, their expenses are rising at a much faster rate than their revenue, meaning most of the major players are posting losses despite the BNPL mania.

    Jonathan Berr • May 3, 2022
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    Courtesy of Miso Robotics

    2022's restaurant payment tech push includes QR codes, kiosks

    From QR codes to advanced mobile apps and robots, restaurants are planning to adopt more technology within their operations — including payments — in the year ahead.

    Julie Littman • April 20, 2022
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    roshinio via Getty Images

    How does Gen Z feel about credit cards? It's complicated.

    Each generation has approached credit differently; Gen Z is no exception. As they turn toward credit cards, industry analysts say these consumers are likely to keep card companies on their toes.

    Caitlin Mullen • March 16, 2022
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    Alex Wong via Getty Images

    US banks brace for stricter sanctions against Russia

    The Russian banks the U.S. targeted Tuesday account for only 5% of the country's total bank assets. But penalties aimed at larger banks of greater systemic importance may be in the offing.

    Robin Bradley • Feb. 25, 2022
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    Payment Choice Act wins bipartisan backing

    New Jersey Democrat Rep. Payne is trying to preserve cash as a form of payment and collecting support across the aisle, even as the possibility of a U.S. digital dollar gains traction.

    Lynne Marek • Nov. 23, 2021
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    Dan Kitwood/Getty Images News via Getty Images

    Crypto creeps into the checkout line

    Payments firms are betting on crypto's growth as an asset class to fuel crypto adoption at checkout.

    Suman Bhattacharyya • Nov. 10, 2021
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    Courtesy of Walmart Press Kit

    Early wage payments draw scrutiny

    Companies that offer earned wage access, aka on-demand pay, have proliferated in the U.S. Now, legislators and regulators are targeting the industry for more oversight.

    Lynne Marek • Updated Nov. 4, 2021
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    Anti-fraud niche in payments thrives as e-commerce climbs

    Major payments players and fledgling upstarts alike are developing new tools to fight increasing fraud threats to their businesses.

    Mercedes Cardona • Aug. 23, 2021
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    Retrieved from TheAndrasBarta, Pixabay on May 25, 2021

    Fintechs attack cross-border business payments as banks and legacy players rush to innovate

    Nonbank fintechs are gaining ground, mainly with small company customers, but target larger ones for cross-border business, even as competition gives way to symbiotic 'coopetition' with larger bank incumbents.

    Suman Bhattacharyya • May 25, 2021
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    Alex Wong / Staff via Getty Images

    Visa, Mastercard face biggest challenges in a decade

    Regulatory, legislative and court confrontations over the card network companies' fees are ratcheting up pressure again for reform of the behemoths' practices.

    Lynne Marek • April 22, 2021
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    Anna Hrushka/Payments Dive

    US mulls CBDC options in international race to advance payment systems

    Bank Policy Institute's chief examines the benefits and drawbacks of various central bank digital currency models, and how they would affect payment systems.

    Anna Hrushka • April 20, 2021
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    Getty Images

    6 Payments trends for 2021

    The pandemic accelerated emerging payments trends, as "both the merchant and customer side picked up pace to evolve with changing market conditions," Forrester analyst Lily Varon said. 

    Vaidik Trivedi • April 5, 2021
  • Can banks win in the booming buy-now-pay-later space?

    While BNPL represents a relatively small niche of the payments ecosystem, banks should take note of what the growth of that silo says about the next generation of consumers, one consultant said.

    Anna Hrushka • March 8, 2021
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    Courtesy of Grabango

    Is cashierless tech ready for prime time?

    The pandemic has juiced demand for automated checkout systems, and retailers are having positive experiences with them, but the technology still has to prove itself over the long term.

    Sam Silverstein • Nov. 30, 2020
  • Pay it down: How millennials' relationships with credit cards will change retail

    The 2008 recession is just one reason the demographic rejects plastic payments. Brands are now being pushed to fill the void with convenient, frictionless solutions. 

    Kaarin Vembar • Feb. 21, 2019