The PaymentsJournal Podcast

Fraudsters no longer need to reinvent their tactics from scratch. With artificial intelligence and increasingly sophisticated access to consumer data,...

The payment card was supposed to disappear. As digital wallets, embedded payments, and mobile-first experiences reshaped commerce, the physical card...

There is a growing disparity between hype and reality when it comes to agentic commerce. This is not so much...

Most businesses have no shortage of customer data. They know who their customers are, how they pay, when they tend...

Criminals are increasingly aware of the signals banks use to identify “good customers”—and they are using that knowledge to evade...

When Same Day ACH launched a decade ago, the primary use case was for exceptions—such as in emergency payroll transactions,...

ACH may be one of the payments industry’s most established networks, but it’s far from standing still. With new Rules...

Instant payments have quickly shifted from an emerging capability to a competitive expectation. Yet many financial institutions still struggle to...

Every payment tells a story about a member’s financial life. The challenge for credit unions is that more of those...

Even as agentic commerce, open banking, and stablecoins have captured much of the payments industry’s attention, one of the ecosystem’s...