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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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  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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