ISO & Agent

The new decade will see Generation Z become adults, and they will expect more services and activities to be facilitated by their device of choice, says Zoomd's Omri Argaman.

Traditional rules-based platforms are insufficient to protect real time payments. Using historical patterns can predict some fraud but will not prevent new evolving patterns as they emerge for the first time, says Deep Labs' Michael Lynch.

Making the case for process optimization is a lot harder, however, because the costs are hidden and hard to measure, says Nvoicepay's Kristin Cardinali.

When a crisis does strike, all too often organizations struggle to coordinate ongoing, speedy and effective responses, even when they have valid and compelling things to say, according to RockDove Solutions’ Chris Britton.

Not only are cryptocurrencies treading deep into the muddy waters of regulation, but they still lack the trust of most of the banked population, says Tidal Commerce's Drew Sementa.

With customers now having the opportunity to onboard across multiple devices and channels, or even through a call center, the likelihood of an inconsistent experience is drastically increased, Neal Keene of Intelledox says.

In theory, the beauty of e-commerce is that a merchant can court any shopper in any part of the world with an internet connection. In practice, attracting a shopper and providing them with the customer experience they expect will look different in every country, says Lee Clifton of JP Morgan Merchant Services.

As merchants and fraud prevention specialists develop new strategies for fighting fraud, organized criminals find new vulnerabilities to exploit, a trend that shows no sign of letting up, says ClearSale's Rafael Lourenco.

Third party and payment attacks are an expanding threat, says says Jscrambler's Rui Ribeiro.

'Why fix what isn't broken?' is the wrong question for AP automation, where manual processes are adding labor and costs, says Nvoicepay's Ron Nachmann.

Adoption of contactless is already well under way, and in a few years consumers will likely look back and recall the bad old days when valuable time was taken up waiting for transactions be processed and wonder how they ever coped without the speed, ease and convenience of contactless payment cards, writes Fiserv's Jamie Topolski.

While manual fraud prevention may be manageable at first, as the number of payment types and channels increase, it can rapidly become untenable, says The ai Corporation's Mark Goldspink.

While we expect growing consumer demand for biometrics, we also expect to see payments industry players move toward these types of future-proof technologies and away from legacy password-type systems, says Nuance Communications' Simon Marchand.

While manual fraud prevention may be manageable at first, as the number of payment types and channels increase, it can rapidly become untenable, says The ai Corporation's Mark Goldspink.

Technology development speed has improved for challenger banks, but there are safety challenges from JavaScript, says Jscrambler's Rui Ribeiro.

A sector not known for its innovation or willingness to change is actually a shining example when it comes to creating hubs of engaging content, says On24's Mark Bornstein.

The documentation tied to disputes can be complex, but it's necessary to mitigate dispute resolutions during busy shopping periods, says PactSafe's Eric Prugh.

Fraudsters have access to vast quantities of personal identifiable information and can look very authentic. Therefore, it is better to diversify and utilize multiple sources of data to help protect your business.

Merchants are embracing open banking at a high rate, creating new opportunities once consumers get on board, says Nuapay's Brian Hanrahan.

APIs need to be designed with features such as defenses, proper authentication, batching, and throttling in mind, says Shape Security's Jarrod Overson.