Opinion

The latest opinion pieces by industry thought leaders


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    CEOs Sound Off: BNPL takes aim at healthcare, legal costs

    Companies offering installment payment options for healthcare, legal and auto repair say that buy now-pay later options will satisfy growing consumer demand.

    Caitlin Mullen • May 25, 2022
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    Sarah Silbiger via Getty Images

    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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    John Moore via Getty Images

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    "We urge Director Rohit Chopra to update the CFPB’s outdated remittance rule and take on the high cost of international payments," the Financial Technology Association says in this op-ed piece.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

    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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    Peter_Cho via Getty Images

    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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    skynesher via Getty Images

    CEOs Sound Off: Confronting a lack of diversity in payments

    Payments CEOs recognize the need to draw more women and people of color into the industry, and the need to promote them. To effect change, these CEOs are changing job descriptions, casting a wider net in recruiting and showcasing how they're different.

    Lynne Marek • March 31, 2022
  • 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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    bymuratdeniz via Getty Images

    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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    Kean Collection/Getty Images via Getty Images

    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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    VioletaStoimenova via Getty Images

    CEOs Sound Off: Fintechs press for open banking mandates

    In 2022, CEOs whose companies touch payments are eager for regulators to move toward increased open banking in the U.S., to allow a framework for more sharing of consumer data. They believe it will drive innovation and enhanced financial services.

    Lynne Marek • Jan. 24, 2022
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    Courtesy of Sam's Club

    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
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    stock.adobe.com./Antonioguillem

    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
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    Kevin Dietsch via Getty Images

    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

    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

    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
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    Permission granted by Kristen Elworthy from Seven Hills Communications

    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

    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
  • 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
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    Courtesy of Snap, Inc.

    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
  • 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