Analytics

Old-school payments networks are looking for ways to speed their pathways. Tech companies are looking to blaze new trails. In the end, however, all roads lead back to one issue — security.

Users of new technology often invite derision—Google Glass wearers are "Glassholes," iPhone devotees are "iSheep"—and mobile wallet users may soon be the next target of such ridicule.

Old-school payments networks are looking for ways to speed their pathways. Tech companies are looking to blaze new trails. In the end, however, all roads lead back to one issue — security.

Italian payments technology company TAS Group is approaching U.S. issuers with a product called e-Mission that takes aim at two growing payment trends in the country: EMV-chip cards and instant issuance.

Many card issuers think they only have two options when it comes to EMV—keep all issuance in house or outsource.

When Ben Milne was running a manufacturing company in Iowa, "you could not get around credit card fees," he recalls.

Swipely, which combines a data analytics platform with payment processing, is expanding the feature set to appeal to larger merchants.

Zipremit is planning a service that will enable merchants to accept payments and extend credit to consumers who don't want to use a credit card account.

The U.S. EMV migration is high stakes, complicated and probably won't get done on time to meet the deadlines set by the card networks, according to Vantiv's Patty Walters.

First Bankcard, a division of First National Bank of Omaha, is partnering with the deals delivery company Swagbucks to implement a rewards program for its credit and secured credit card programs.

E-commerce has led to a rapid expansion of the options and methods of executing payments.

FIS has launched a cloud-based, instant issuance system for EMV-chip cards.

BMO's changes to how it organizes treasury and corporate payments can help it streamline client sales and payments product bundling.

Over the course of the NACHA Payments Annual conference, ACI conducted a survey to capture the sentiment of our industry experts and practitioners on hot topics impacting the payments ecosystem. We included mobile payments and real-time ACH, the latter of which generated interesting feedback and spirited discussion that was both insightful and directionally important to where we are headed as an industry.

Contactless payment cards may never have had strong footing in the U.S. to begin with, but perhaps the biggest sign of the technology's downfall is JPMorgan Chase's admission that its Blink cards never quite caught on.

The explosion of startups developing payment tools hasn't ceased, and simple consumer mobile wallets are starting to make way for products suitable for large corporations.

Host Card Emulation, which enables Near Field Communication payments without accessing a smartphone's secure element, has major supporters like Google, Visa and MasterCard. But some are expressing concern over the technology's approach to security.

When more U.S. issuers and merchants start using EMV-chip cards to improve security at the point of sale, fraud will likely surge online.

European companies aren't using credit cards much for payments, which may give Wells Fargo a chance to establish a presence as a corporate issuer.

Card-not-present (CNP) fraud is generating quite a bit of chatter in financial and payments circles today. Much of the talk centers on the link between greater global use of the EMV standard and rising CNP fraud.