Opinion: Page 2

The latest opinion pieces by industry thought leaders

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    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
  • 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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    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
  • Sam's Club partners with Mastercard and Synchrony on rewards program.
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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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    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
  • An employee wears a mask as they work in a coffee shop at Union Station on July 30, 2021 in Washington, DC.
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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
  • Dior activates AR e-commerce for B27 sneaker on Snapchat
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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