Nobody wants to be the person holding up the line because their credit card was declined, and merchants definitely don’t...

At a high level, the bill payment ecosystem supports three main players: consumers, billers, and financial institutions. However, in order...

The loyalty programs of quick service restaurants (QSRs) like Starbucks, Dunkin’, and McDonald’s have come a long way since the...

Each year, successful data breaches result in the exposure of millions of credentials—typically a username or email and password—that can...

Banks have an opportunity to be stable, well-financed technology disruptors when working with appropriate partners. By partnering with technology providers,...

In February 2020, Nacha announced that it was developing an online platform that integrates technology, rules, and participants to exchange...

Fraudulent activity is on the rise, with criminals looking to take advantage of the pandemic, and faster payments is shaping...

We are now operating in a "contactless economy." For years, the rise in popularity for food on-demand has prevailed and...

Insurance companies, like most, were taken by surprise with COVID-19. Their models, data, and systems, curated for decades or centuries...

The global disruption brought on by COVID-19 has exposed new cracks in banks’ security foundations. As the initial shock subsides,...