The latest opinion pieces by industry thought leaders

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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. 09, 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 06, 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 07, 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 01, 2021