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The latest opinion pieces by industry thought leaders


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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
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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
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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
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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
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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
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    Tero Vesalainen via Getty Images
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    Can anything challenge ACH?

    The ACH system has proven to be scalable, secure, ubiquitous and reliable, but complaints about processing times persist, writes Sila CEO Shamir Karkal.

    Shamir Karkal • Jan. 6, 2023
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    Viorika via Getty Images
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    Why real-time payments make sense today

    The impact real-time payments could have on customers and providers alike should not be ignored — especially in the face of an impending recession, writes a fintech co-founder.

    Justin Adler • Dec. 14, 2022
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    anyaberkut via Getty Images
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    Payments will evolve with digital banking

    “Rather than basic capabilities, consumers want a complete digital banking experience,” a payments firm professional writes. “They want access to all of the buzzworthy features.”

    John Mitchell • Dec. 9, 2022
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    Roy Rochlin via Getty Images
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    Credit swipe-fee relief needed

    “Congress has a responsibility to bring much-needed transparency and competition” to credit card swipe fees, writes the chairman of the trade association for 7-Eleven franchisees.

    Sukhi Sandhu • Nov. 18, 2022
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    Chor muang via Getty Images
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    Preparing for the CBDC era

    Central bank digital currencies would allow for faster cross-border payments that would “help boost trade within the region and with the rest of the world,” an Equinix executive writes.

    Lance Homer • Nov. 9, 2022
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    damircudic via Getty Images
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    BNPL for business is a high stakes proposition

    “As BNPL providers, especially in the business realm where more money is being spent, fintechs are going to need much more sophisticated, secure, reliable authentication methods,” writes Flexbase CEO Zaid Rahman.

    Zaid Rahman • Oct. 24, 2022
  • Diagram of FedNow payments
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    Federal Reserve. "FedNow Instant Payments". Retrieved from FRB Services.
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    FedNow may stumble without nonbanks, cross-border payments

    “In addition to cross-border payments, the benefits of FedNow must be widely available to Americans through competitive, diverse providers — including nonbanks,” writes a U.S.-based Wise executive.

    Rina Wulfing • Oct. 18, 2022
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    Ridofranz via Getty Images
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    Reduce cyber risk as digital bill payment options expand

    “Not all payment platform companies are managing operational and security as judiciously as they could, and that will eventually result in costly payment failures, customer friction, or potentially a breach,” writes PayNearMe Vice President Tim Murphy.

    Tim Murphy • Oct. 13, 2022
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    AndreyPopov via Getty Images
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    Future of B2B payments lies in embedded finance

    “Unfortunately, the business-to-business market lags behind its B2C counterpart and is only just beginning to embrace embedded finance,” writes Melio COO Tomer Barel.

    Tomer Barel • Oct. 7, 2022
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    William_Potter via Getty Images
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    Busting the myths on FedNow

    Jessica Cheney, a vice president at Bottomline Technologies, aims to dispel myths about the meaning and impact of the coming Federal Reserve instant payment system.

    Jessica Cheney • Sept. 27, 2022
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    Michael M. Santiago via Getty Images
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    QR code resurges for payments

    “Businesses that have consigned QR technology to the tech graveyard would be wise to give it another look,” writes Mike Storiale, Synchrony’s VP of innovation development.

    Mike Storiale • Sept. 22, 2022
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    Retrieved from Flickr/frankieleon.
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    Consumers need credit card reform

    “It's not just merchants at the mercy of the oligopoly,” writes Ed Mierzwinski, a senior director at the Public Interest Research Group. “Consumers all pay more at the store and more at the pump.”

    Ed Mierzwinski • Sept. 2, 2022
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    Justin Sullivan / Staff via Getty Images
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    Blaming cards for high gas prices doesn't make sense, trade group argues

    The leader of the Electronic Payments Coalition tells people looking to blame credit and debit card companies for higher gas prices to find a different scapegoat.

    Jeff Tassey • July 25, 2022
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    Khaosai Wongnatthakan via Getty Images
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    BNPL will evolve as providers tweak the model

    “Challengers frequently believe BNPL 1.0 is what it is, and will not evolve,” writes Brian Shniderman, CEO of Opy, a U.S. subsidiary of Australian payments fintech Openpay. “But it can, and very recently, it has proven that it will.”

    Brian Shniderman • July 20, 2022