PYMNTS

JANUARY 9, 2020

The shift from magnetic stripe to EMV chip cards marked one of the 21 st century’s most widespread payment developments. Chip cards have been heralded for their improved functionality and security, but they have still failed to address critical authentication problems, leaving retailers to bear the brunt of these vulnerabilities.

Fraud 131

Fraud Cards Retail Security 131

Celent Banking

MARCH 16, 2015

This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. Many presenters discussed developing non-traditional revenue streams. Presentations focused on targeted marketing for “moneyhawks” , new P2P models (e.g. Presenters proposed some solutions.

Conference 100

Conference Retail Community Community Bank 100

PYMNTS

OCTOBER 13, 2016

Consumers in countries such as Egypt and in Africa and the Middle East often face more challenging experiences when they order online from retailers. Shoppers in those regions often put less trust in online merchants and credit card companies and feel unsure about giving out their personal payment information.

Cards 100

Cards Regional San Francisco Online 100

PYMNTS

MAY 10, 2016

But, of course, no two consumers are exactly alike – especially when comparing consumers across different regions of the world. The study looked at 500 consumers (18+) in each country who had at least a credit or debit card. “The pie for card issuers in Europe is significant. ” The Highlights.

Regional 100

Regional Payments Study Cards 100

PYMNTS

DECEMBER 9, 2019

However, transporting shipments from coast to coast presents a host of challenges. Drivers can take out cash advances on their paychecks to make work-related transactions, and they are allowed to have $200 of their weekly wages delivered in advance to business spending cards. Trucking is a major American job sector, as 3.5

Cards 163

Cards Tools Operations Payments 163

South State Correspondent

AUGUST 16, 2023

Home equity lines of credit (HELOCs) and bank card usage are up 24% and 17%, respectively. This data is consistent across regions. Consumer Credit – Auto Loan The lack of inventory, higher rates, and higher prices present a confluence of events that we have not seen before and are likely to cause greater bank model inaccuracy.

Trends 195

Trends Cards Capital Data 195

CB Insights

FEBRUARY 13, 2020

As businesses and consumers become more comfortable using credit cards online, the proportion of US commerce that takes place online has steadily increased over the last 20 years. Virtual card issuance. Business lending and corporate cards. Fraud prevention tools. Supporting merchant partner growth. Growing the internet economy.

Online 98

Online Company Retail Payments 98

PYMNTS

AUGUST 28, 2019

UnionPay is a global card company, and it has issued in the neighborhood of seven billion cards. The company’s network reaches 174 countries and regions. Members can now pay directly with their UnionPay cards, and Travelzoo perks, like Local Deals and Getaway Offers, will be accessible to UnionPay users in China.

Payments 108

Payments Cards Regional Management 108

PYMNTS

JUNE 17, 2019

The tools were designed to provide customers with a transparent and clear mechanism to understand the progress of their transactions whether those transactions happen physically, via voice command, by a networked appliance or in an unattended retail context.

Branding 116

Branding Customer Experience Regional America 116

PYMNTS

JULY 21, 2017

Fraud varies country to country, region to region. Just as payment methods are varied, so too are the ways that people pay, and whether, given a certain locale, they prefer paper (cash) over plastic (via mag stripe or chip card), or mobile over interactions with the cashier — these differences color fraud as well.

Fraud 116

Fraud United States Regional Cards 116

PYMNTS

FEBRUARY 7, 2018

H-E-B is not only the neighborhood grocery store for many communities in Texas: It’s also an eCommerce retailer with digital features to better reach its customers. But not all retailers have the features that allow consumers to shop through whatever channel they choose, whether it be a brick-and-mortar store, website or mobile app.

Texas 116

Texas San Antonio Oklahoma City Oklahoma 116

FICO

JUNE 17, 2021

Let's take a look at the options I was presented with and what that really means to both the consumer and the fraudster. In years gone by, our option was simple – which card do we use? When presented with the above list, it is easy to be overwhelmed, as I was. Trusted cards. The Options.

Fraud 52

Fraud Payments Retail Cards 52

Tomorrow's Transactions

MARCH 16, 2016

American retailers have been lobbying the great and good to implement PIN for card transactions. PIN is the most secure authentication technology currently available, and retailers should have the option to require PIN on credit and debit card transactions—the same protection provided at ATMs. Well… not quite.

Retail 30

Retail Cards Fraud US 30

Celent Banking

JULY 13, 2016

As most people know, PSD2 has introduced new card multilateral interchange fee (MIF) limits in Europe. Debit card transactions across Europe have been capped at 0.2% of transaction value, while for credit cards, the limit is 0.3%. Furthermore, of nearly 100 milion debit cards issued in the UK, 97% carry Visa brand.

Regulation 100

Regulation Cards Regional Examples 100

PYMNTS

JUNE 28, 2019

BofA Debuts Digital Debit Card. Bank of America is launching a digital debit card. When it comes to retail, general commerce and online payments, the increasingly powerful middle class in India will probably get major credit in future textbooks for shaping the global digital economy. states.

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America Fintech Innovation cryptocurrency 100

PYMNTS

OCTOBER 23, 2018

To capitalize on that aforementioned eCommerce growth in emerging markets and log sales in those regions, U.S. They must offer local payment methods — outside traditional card brands, such as Visa and Mastercard — that will help eCommerce cross-border efforts gain traction. merchants have all sorts of work cut out for them.

Payments 164

Payments Regional Online America 164

PYMNTS

JANUARY 17, 2017

You’re a retailer, beset by the twin problems of brick-and-mortar and fickle U.S. Picture 625 million wallets, ready to open for the right retail experience. Many of these retailers, he said, did not perform as well as might have been expected on Black Friday or even Cyber Monday. consumer spending. as well.”. “If

Los Angeles 100

Los Angeles San Francisco America Retail 100

Celent Banking

NOVEMBER 2, 2015

The press release is here ; the executive team also held an investor call earlier today – the recording and the presentation are here. It’s true the European payments market has unique dynamics in terms of regulation and competition, both in cards and in payments more broadly. Today Visa Inc.

Cards 100

Cards Regional Leadership Maine 100

PYMNTS

MARCH 11, 2016

Latin America is a land of opportunity, but it also presents challenges that demand an on-the-ground understanding of commerce and transacting within the various countries and cultures that it comprises. What’s the difference between a revolving balance and a credit card? In Brazil, 80 percent of all transactions involve installments.

America 100

America Payments Fraud Case Study 100

PYMNTS

OCTOBER 22, 2019

This developing world of payments and the fierce competition offered by non-traditional providers of financial services presents big challenges to smaller and community banks – those financial institutions (FIs) with less than $10 billion in assets. With retail sales continuing to increase – they will hit some $6 trillion in the U.S.

Community Bank 116

Community Bank Community Operations Leadership 116

PYMNTS

MARCH 29, 2018

While some countries are struggling more than others, Emailage found that every region is facing new challenges in the wake of EMV going online. Fraudsters are getting more sophisticated, and boots on the ground are needed to address unique issues in each region. To improve, the No. Chargehound.

cryptocurrency 109

cryptocurrency Regional Bitcoin Cards 109

PYMNTS

MARCH 10, 2017

With eCommerce in full swing, many retailers are looking to restructure many facets of their operations. From installing more IoT sensors in physical locations to strategic partnerships with chatbot messaging apps and more, retailers are revamping the way in which customer service is provided to consumers.

blockchain 108

blockchain Payments Retail Technology 108

Gonzobanker

JUNE 11, 2018

Hundreds of digital banking SVPs wandering through presentations and exhibit halls looking for answers to questions they still don’t know to ask. While commercial lending and treasury management remains the money maker for more than 75% of my clients, most of those clients have a retail-heavy, if any, digital strategy.

Conference 70

Conference Digital Banking Austin Digital Strategies 70

FICO

APRIL 16, 2019

Of specific concern are transactions completed when neither the card nor the cardholder is physically present (card-not-present or CNP fraud), as well as cards taken out by criminals under false identities (application fraud). Over 50 percent of global online retail sales in 2018 originated from the region.

Fraud 40

Fraud Survey Regional Cards 40

PYMNTS

OCTOBER 31, 2016

billion by 2020, companies — particularly eCommerce retailers — are considering mobile and online innovations in payments and IoT security technology to help thwart cyberattacks. According to LexisNexis research, card-not-present fraud losses alone are forecasted to increase by $3.2 With fraud expected to hit $7.2

Fraud 100

Fraud Security Retail Mobile 100

PYMNTS

NOVEMBER 13, 2017

Grab , which started as a two-way marketplace for ride-hailing, is one of many organizations investing in the region to try and break down that barrier. Across the region, other merchants like Muhammed are sharply aware of their cashflow, supply chain and business growth needs. The only thing in the way was the system itself.

Regional 100

Regional System Community Strategy 100

PYMNTS

MARCH 7, 2019

For payments, the company accepts credit and debit cards through Stripe and plans to start taking PayPal and Amazon Pay soon. The company also offers gift cards, a feature based on a customer request that came in the week before Christmas. Since Lim said the company is customer-oriented, it built out the feature.

New York City 156

New York City New York Pennsylvania Cards 156

PYMNTS

MAY 29, 2020

In a feature story, Uma Wilson, executive vice president and director of treasury management, card and bank product UMB Bank , discusses analyzing client behaviors throughout channels to find unusual activity. Retailing 2020: Five Things To Watch. Retail Reopening Hinges On Dangerous Discounts.

Maine 130

Maine ATM Innovation Millennials 130

PYMNTS

MARCH 26, 2019

The high usage of voice – which is one of the fastest-growing adopted consumer technologies – “presented a tremendous opportunity” for ordering at restaurants due to “the speed and convenience voice allows to the consumer,” Sandler told PYMNTS in an interview.

Technology 121

Technology Maine Study Google 121

PYMNTS

MAY 24, 2016

and known for its ability to read and express human emotions, is looking to innovate order taking and payment acceptance in Pizza Hut restaurants across the Asia-Pacific region. The application we’ve created is intended to really create and complete retail experiences,” Sheldon explained.

Regional 114

Regional Innovation Retail Payments 114

PYMNTS

JANUARY 18, 2017

But Patel said that there is a growing interest in these developing regions around the usage of smartphones for payments, which presents a challenge to merchants to accept other forms of payment aside from cash. We’re seeing that in the regions that we play in.

Marketing 100

Marketing Regional Mobile Regulation 100

PYMNTS

FEBRUARY 15, 2019

Card volume for on-demand, live-streamed and game or software content increased by 35 percent between 2017 and 2018, according to a First Data SpendTrend report. Regular retail experienced just 14 percent growth year-over-year, suggesting on-demand is fast emerging as a developing segment for digital commerce brands.

Samsung 108

Samsung Software Online Capital 108

Gonzobanker

DECEMBER 19, 2022

As if that wasn’t enough, regulators took a sledgehammer to debit fee income with Reg II changes that will begin reducing card-not-present interchange fees starting in July 2023. Acronym of the Year – CCCA (Credit Card Competition Act). Knowledgeable from retail to complex treasury needs, Cody is one of the best.

Community 216

Community Fintech Industry Innovation 216

South State Correspondent

JANUARY 4, 2023

For any banker looking for clarity, we present five New Year’s resolutions, no matter your size, that provide a roadmap to accomplish both the short and long-term objectives of a top-performing bank. Sectors like office, retail, and hospitality, are even worse. That market share has come mainly from regional and community banks.

Community Bank 195

Community Bank Capital Lending Training 195

PYMNTS

OCTOBER 21, 2019

The new SCA Impact Playbook explores how subscription-based merchants can prepare for SCA and manage conversion, churn and card-based risk. The Three Cs: Conversion, Churn and Card-Based Risk. For subscription and recurring payment services in Europe, a market valued at close to $400 billion, this represents a substantial impact.

Strategy 100

Strategy Compliance Fraud Payments 100

PYMNTS

MARCH 5, 2018

On the upside, this year’s Best Picture presenters, Warren Beatty and Faye Dunaway, managed to make the most of their second chance and got the winner’s name right the first time around. From there, the finalists are invited to their “Shark Tank” presentation, and the top three winners are picked by a mixed panel.

Regulation 108

Regulation Data Regional America 108

PYMNTS

FEBRUARY 15, 2019

Local leaders in the subsequent weeks and months began to complain that being home to Amazon’s second headquarters would present more problems for long-term residents – in terms of rising housing and services costs – than opportunities. Card-present fraud slides, again: Continued traction is evident in the fight against fraud at the register.

New York 115

New York New York City Virginia Nashville 115