Big Data

Episode 51 – Unravelling the Payments Data Hairball

Payments transactions generate plenty of useful data for merchants. But wrangling that data into informative shape gets challenging, especially when multiple acquirers, gateways, processors, or other service providers are used. Each one has a different approach to reporting and some are (much) better than others. Developing a consolidated view and, as important, reconciling financials from […]

ACH

Episode 48 – APIs, ACH, and Faster Money – Dwolla

Sometimes a change in direction is the way forward. Network aspirant Dwolla has recently pivoted its work toward the product and development teams inside financial institutions. Instead of being a system operator, Dwolla now offers a broad set of APIs designed for those FIs to take advantage of the ACH’s overnight and Same Day ACH […]

Blockchain

Episode 47 – Blockchains and Moving Money on the Internet – Circle Internet Finance

Turning money movement into a core capability of the internet is the guiding principle of Circle Internet Financial. Not an easy task. While technical issues abound, regulatory and business hurdles pose larger challenges. Join Payments on Fire host George Peabody and Circle’s co-founders Jeremy Allaire and Sean Neville for this discussion on Circle’s geographic expansion, […]

Card Fraud

Episode 46 – 3D Secure, Visa, and CardinalCommerce

One of last year’s most anticipated advances in fraud management was the final release of EMVCo’s 3D Secure 2.0 protocol specification. Designed to take a risk-based approach to authorization and lower the checkout friction of its predecessor, 3DS2 will be a new tool in the growing anti-fraud arsenal. One of its supporters and a service provider that’s […]

Card Fraud

Episode 45 – False Declines and Ethoca’s Role

In e-commerce and mobile commerce the problem of false declines is significant, especially during the holidays. Issuers decline transactions that online merchants approve. And vice versa. In other words, the necessary process of sorting out fraud from good transactions catches good transactions with the bad. This poor decision making means merchants lose the sale and […]

Identity

Episode 44 – On Privacy, IoT, and Security – Online Trust Alliance

Multiple organizations have emerged to address different aspects of security, privacy, and identity. In this Payments on Fire Podcast, Glenbrook‘s George Peabody speaks with Craig Spiezle, Executive Director of the Online Trust Alliance, an organization bringing together privacy and security best practices for a range of industries, including payments. Take a listen to this conversation […]

B2B Payments

Episode 43 – Making Money Fly over Borders – ISO 20022, the IPFA, and Faster International Payments

Faster payments, B2B payments, international remittances, cross-currency, and cross-border payments. These are hot topics and major challenges the payments industry must address. Central to all is the ability to represent, in an interoperable fashion, the information that surrounds the payment itself. What’s this payment for? Who is it for? Where’s it going? These are information […]

George Peabody

Episode 42 – Payments Data with Russ Jones

As the breadth of transaction data expands, even the definition of payment data is getting stretched. Payment data, when combined with other sources, is becoming a valuable tool for both commerce and security. If we know your first name, we can figure out if you’re male or female 92%+ of the time. If your email […]