Opinion

The latest opinion pieces by industry thought leaders


If you are interested in having your voice heard on Payments Dive's Opinion page, please read our editorial guidelines and fill out the submission form here.

  • Cyberattack and internet crime, hacking and malware concepts.
    Image attribution tooltip
    Techa Tungateja via Getty Images
    Image attribution tooltip

    Fighting deepfakes via payments

    “Since many of these deepfake software services accept credit cards, payments providers are on the front lines of detecting these companies,” writes one corporate compliance officer.

    Alan Primitivo • June 12, 2024
  • Graphic of digital money transfer symbols overlaid on a map of the world
    Image attribution tooltip
    ArtemisDiana via Getty Images
    Image attribution tooltip

    CFPB seeks to thwart cross-border junk fees. Now what?

    “Putting these regulations into practice is challenging, and the success of such regulatory measures largely hinges on enforcement,” writes a Wise executive.

    Rina Wulfing • May 30, 2024
  • Person taps credit card at payment terminal
    Image attribution tooltip
    Mykola Pokhodzhay via Getty Images
    Image attribution tooltip

    Let’s avoid legal patchwork for credit card surcharging

    “All parties in the payments ecosystem would benefit greatly from state laws that provide clarity and consistency between jurisdictions,” write two legal professionals.

    Jonathan Razi and Keturah Taylor • May 23, 2024
  • The exterior of the Consumer Financial Protection Bureau building
    Image attribution tooltip
    The image by Ted Eytan is licensed under CC BY-SA 2.0
    Image attribution tooltip

    CFPB should reconsider prepaid rule

    The Consumer Financial Protection Bureau should revisit its rule affecting digital wallets, peer-to-peer payments and prepaid cards, writes one fintech group leader.

    Brian Tate • May 17, 2024
  • Man paying with mobile phone
    Image attribution tooltip
    Photographer unknown via Getty Images
    Image attribution tooltip

    Pay-by-bank holds promise

    “The value proposition of pay-by-bank is clear: merchants win from drastically lower payment costs and consumers win from lower prices,” writes one fintech executive.

    Eric Shoykhet • May 3, 2024
  • A three-dimension rendered image of global connection lines across a satellite image of earth
    Image attribution tooltip
    DKosig via Getty Images
    Image attribution tooltip

    Why financial institutions should embrace ISO 20022

    Adopting ISO 20022 payment standards can help U.S. banks and credit unions unlock richer data and stay competitive in the global financial marketplace.

    Sylvie Boucheron-Saunier • April 26, 2024
  • credit cards
    Image attribution tooltip
    Joe Raedle via Getty Images
    Image attribution tooltip

    CFPB’s new late fee cap charts ‘a better way,’ says Sunbit CEO

    “The credit card industry should take a page from innovators, instead of relying on yesterday’s fee models,” argues the CEO of the payment tools provider.

    Arad Levertov • April 16, 2024
  • Businesswoman checks online invoice
    Image attribution tooltip
    AndreyPopov via Getty Images
    Image attribution tooltip

    Digital wallets must take hold in B2B

    “Digital wallets, once primarily associated with consumer transactions, have now firmly established their presence in the B2B realm,” writes an industry manager.

    Lakshmi Sushma Daggubati • April 12, 2024
  • A bicycle delivery person in a city checking an address on a mobile app.
    Image attribution tooltip
    South_agency/E+ via Getty Images
    Image attribution tooltip

    EWA shouldn’t be regulated like loans

    “Attempts to regulate EWA as credit threaten worker access to this innovative and consumer-friendly financial tool,” writes one earned wage access industry CEO.

    Darcy Tuer • April 5, 2024
  • Bank Nigeria Africa
    Image attribution tooltip
    Benson Ibeabuchi via Getty Images
    Image attribution tooltip

    Fintech founder backs Google, Apple

    “It’s easy for giant app companies to pick fights with Apple and Google, but when billionaire companies fight about who gets richer, it’s usually the little guy that loses,” writes CashEx’s CEO.

    Kingsley Ezeani • March 15, 2024
  • credit cards
    Image attribution tooltip
    Retrieved from Flickr/frankieleon.
    Image attribution tooltip

    Discover deal may trigger more competition

    The merger at least raises the possibility that there won’t be two card networks that dominate the future of tokenized transactions, writes one fintech lawyer.

    Ravieshwar Singh • Feb. 28, 2024
  • Open banking
    Image attribution tooltip
    anyaberkut via Getty Images
    Image attribution tooltip

    CFPB open banking proposal will be crucial

    The agency’s open banking proposal is a step in the right direction, but details of the policy will shape how the market develops, a regulatory adviser writes in this op-ed.

    Jonah Crane • Feb. 8, 2024
  • An image of a hand holding a smart phone with the DoorDash homepage.
    Image attribution tooltip
    Permission granted by DoorDash
    Image attribution tooltip

    Where will embedded payments flourish in 2024?

    There are three areas where embedded finance is a good fit, and they are characterized by high volume and frequent payments, writes one industry executive.

    Julio Gomez • Feb. 5, 2024
  • A person displays their open wallet and cards
    Image attribution tooltip
    Joe Raedle / Staff via Getty Images
    Image attribution tooltip

    Congressional card bill won’t yield benefit

    If it were to pass, the Credit Card Competition Act proposal would result in additional costs without any gains, argues one payments industry consultant.

    Ken Musante • Jan. 22, 2024
  • X logo
    Image attribution tooltip
    Retrieved from X on January 11, 2024
    Image attribution tooltip

    X gains money transmitter approval in Utah

    X has been collecting money transmitter approvals in recent months to launch peer-to-peer payments in the app.

    Andrew Hutchinson • Jan. 17, 2024
  • An image of the Alabama State Capitol.
    Image attribution tooltip
    DenisTangneyJr/iStock via Getty Images
    Image attribution tooltip

    Why payments to government agencies should be easier

    “Increasingly, government agencies — and the people they serve — need a payments system that is connected across departments and jurisdictions,” writes one payments executive.

    Sloane Wright • Oct. 23, 2023
  • A food delivery worker is shown on a scooter
    Image attribution tooltip
    Spencer Platt / Staff via Getty Images
    Image attribution tooltip

    Now’s the time for national EWA legislation

    “Instead of state-by-state regulation, federal government guidance must be updated and clarified,” authors of a recent working paper on earned wage access write.

    Marshall Lux and Cherie Chung • Oct. 11, 2023
  • Open banking
    Image attribution tooltip
    anyaberkut via Getty Images
    Image attribution tooltip

    What the CFPB’s open banking push means for financial institutions

    “The narrative often centers around consumer empowerment, but let’s not overlook the advantages it holds” for financial institutions, writes an executive at financial connectivity company Atomic.

    Andrea Martone • Oct. 3, 2023
  • Binary code abstract background with US $100 dollar banknotes.
    Image attribution tooltip
    Viorika via Getty Images
    Image attribution tooltip

    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
  • A bicycle delivery person in a city checking an address on a mobile app.
    Image attribution tooltip
    South_agency/E+ via Getty Images
    Image attribution tooltip

    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
  • Window with sticker showing logos for Visa, Mastercard and American Express.
    Image attribution tooltip
    Scott Olson via Getty Images
    Image attribution tooltip

    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
  • Chargebacks911 Monica Eaton
    Image attribution tooltip
    Permission granted by Justin Clements
    Image attribution tooltip

    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
  • Industrial worker team wearing reflective clothing and crash helmet working in a production line at the manufacturing plant
    Image attribution tooltip
    Serts via Getty Images
    Image attribution tooltip

    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
  • Exterior of the Federal Reserve building in Washington, D.C.
    Image attribution tooltip
    Anna Hrushka/Payments Dive
    Image attribution tooltip

    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
  • Amazon's biometric Amazon One payment technology
    Image attribution tooltip
    Courtesy of Amazon
    Image attribution tooltip

    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