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  • Open banking
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    anyaberkut via Getty Images
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    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.
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    Permission granted by DoorDash
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    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
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    Joe Raedle / Staff via Getty Images
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    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
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    Retrieved from X on January 11, 2024
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    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.
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    DenisTangneyJr/iStock via Getty Images
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    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
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    Spencer Platt / Staff via Getty Images
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    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
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    anyaberkut via Getty Images
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    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.
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    Viorika via Getty Images
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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
  • A bicycle delivery person in a city checking an address on a mobile app.
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    South_agency/E+ via Getty Images
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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
  • Window with sticker showing logos for Visa, Mastercard and American Express.
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    Scott Olson via Getty Images
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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
  • Chargebacks911 Monica Eaton
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    Permission granted by Justin Clements
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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
  • Industrial worker team wearing reflective clothing and crash helmet working in a production line at the manufacturing plant
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    Serts via Getty Images
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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
  • Exterior of the Federal Reserve building in Washington, D.C.
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    Anna Hrushka/Payments Dive
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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
  • Amazon's biometric Amazon One payment technology
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    Courtesy of Amazon
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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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    Diamond Dogs via Getty Images
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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
  • Federal Reserve building in Washington, D.C.
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    Chip Somodevilla via Getty Images
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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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    Sam Silverstein/Payments Dive
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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
  • An Uber Freight driver sits in the cab of a truck using a cell phone app.
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    Courtesy of Uber
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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
  • Money currency exchange business in Iraq.
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    Matt Cardy via Getty Images
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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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    metamorworks via Getty Images
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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
  • Small wooden box swag from Fed with FedNow logo.
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    Lynne Marek/Payments Dive
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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
  • A gun lies on a countertop
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    Brian Blanco / Stringer via Getty Images
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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
  • Small wooden box swag from Fed with FedNow logo.
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    Lynne Marek/Payments Dive
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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
  • Hand holding a phone with the Instacart App open.
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    Photo Illustration: Instacart; Getty Images

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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
  • Phoenix midtown skyline with a Saguaro Cactus and other desert scenery in the foreground.
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    Davel5957/iStock via Getty Images
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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