ISO & Agent

In the era of big data, a more thorough, data-centric approach is needed for security than the traditional encryption of the past, argues comforte AG's Jonathan Deveaux.

Improvements in digital receipts should be enough to spur greater adoption, argues Mike Golebiowski, president of IBT.

Universal standards such as the nonprofit nexo can support card payment acceptance stakeholders through a portfolio of implementation specifications and messaging protocols that harness the power and interoperability potential of the ISO 20022 standard.

Advancements are bringing improvements to risk and user experience, but global reach remains a top priority, writes Marc Recker, global head of institutional market management and cash management for Deutsche Bank.

The idea stablecoin environment has variety, diversity and is decentralized, argues Matt Branton, CEO of Neutral.

The most enlightened regulator or legislator can’t match the dynamic intelligence of billions of market decisions by consumers, merchants, banks, networks and processors, argues Eric Grover, a principal at Intrepid Ventures.

While in its infancy in influencing B2B payments, AI ultimately will change the way businesses of all sizes run their financial operations, writes Rene Lacerte, CEO of Bill.com.

Once banks offer digital invoice processing and order approvals, small businesses would no longer need to manage the risk and hassle of paper-based transactions, argues Erik De Kroon, CEO and co-founder of Yordex.

It’s no overstatement to suggest that stored value plays a role in nearly all of our daily lives. This suggests that the digital transformation of these instruments should be life-changing. But that hasn’t happened—yet, writes Chris Demetree, CEO of Lazlo 326.

We must challenge ourselves with transparency by neutralizing gender-specific language in company job advertisements to reach a more diverse pool of candidates and drive responses, writes Nicole Baxby, an account director at Featurespace.

There are almost no vulnerabilities that aren't covered by some sort of intelligence or data, says Steven Rogers, president and CEO of Centripetal.

The short-term disruption is worth the benefits of improved security and user experience, writes IIya Dubinsky, head of the CTO office at Credorax.

Traditional authentication practices are incapable of meeting the real-time demands, writes Frank Teruel, senior vice president and general manager of ThreatMetrix.

Solving open banking's challenges requires a whole new approach to international payments beyond basic open development, says Marten Nelson, co-founder of Token.io.

Despite seismic shifts in the payments landscape over the last 45 years, how we handle chargebacks remains more or less the same, writes Monica Eaton-Cardone, COO of Chargebacks911 and CIO of its parent company Global Risk Technologies.

Most do not have an independent treasury function, making cross-border finance difficult, contends Chen Amit, CEO and Co-founder of Tipalti.

Banks are not providing enough visibility into payments and cash flow to aid small businesses' decision-making, writes Erik De Kroon, CEO and co-founder of Yordex.

A crypto-based payments system from Facebook would create more competition and pressure legacy companies to up their game, says Eric Grover, a principal at Intrepid Ventures.

Every organization has some kind of plan for the future, but advances in technology, cyber threats, changes in regulation and political uncertainty make it extremely difficult to plan for what lies ahead, writes Ian Stone, CEO of Veualta.

Using AI to verify receipts alleviates the need for auditors to aimlessly review every single receipt submitted within an expense report, says Travis Andrade, a senior product manager at AppZen.