ISO & Agent

A multichain architecture that allows synergy between different platforms is the only viable option for ambitious applications, writes Evan Kereiakes, core researcher at Terra.

Hotel and airline breaches have become far too common, according to Pravin Kothari, CEO of CipherCloud.

Users are not only more rational in their choice of card, but they are also investing time and effort to find ways to maximize their return from reward points, according to Simon-Kucher & Partners’ Wei Ke and Wenbo Li.

To make commercial cards more viable, stakeholders in the B2B payments ecosystem need to break down traditional constructs and dynamically price card transactions so that they complement the commercial relationship between buyers and supplier, according to Dean Leavitt, CEO of Boost Payment Systems.

Adapting to Chinese consumers’ expectations of mobile pay options can help international retailers remain relevant and competitive by offering an easy, smooth, and interactive customer experience, writes Franklin Chu, managing director for Azoya USA.

Data that exists as static facts and figures on a spreadsheet often has little in-the-moment value. But when it's real-time and expressed as a dynamic visualization, it becomes instantly digestible and increasingly actionable, according to Michael J. Alfonsi, senior vice president of digital solutions and strategy at Exela Technologies.

Instead of focusing on static rewards, card issuers should focus on more proactive and data-driven “rewarding.” This is a profound shift from a transactional strategy to a relational one, writes Kevin Grieve, North America Payments Lead for Accenture.

There’s an argument to be made that those who have experienced bias—be they women or any other underrepresented group—are likely to have developed some distinctive qualities in response, writes Karla Friede, CEO of Nvoicepay.

Banks, with their lower cost of capital, can take over the loan, either on its own platform or continue using the fintech platform for monitoring and servicing, writes Krista Morgan, CEO of P2Bi.

Merchants and intermediaries who plan to accept crypto payments should ensure that they have compliance programs and policies in place to ensure that they can appropriately diligence the use of cryptos so that their involvement with these new products does not enhance their liability risks, write Evan Koster and Marc Gottridge, partners at Hogan Lovells.

A standard for protocol layers and interoperability between protocols are needed to lower the threshold for businesses looking to adopt blockchain technology, writes Byung Ik Ahn, CEO of Fantom Foundation.

Cash is unlikely to go anywhere, while application programming interfaces promise a wealth of new innovation, according to Devon Watson, CMO of Diebold Nixdorf.

Legacy players cannot copy an upstart because legacy players have existing footprints and customers and are anchored by valuable business models, writes Ken Krupa, CTO of MarkLogic.

Europe has also taken active measures to support the innovation of platforms and applications, writes Donika Kreava, strategic communications manager at Dentacoin.

While B2B will never perfectly mimic the B2C space, there’s a lot businesses can learn from their consumer-facing counterparts, writes Mark Bartlett, marketing chief at FPX.

Everyday we’re opening the door to new services, devices and institutions, trading off a little bit of “us” for greater convenience, writes Lina Andolf-Orup, a global product marketing manager at Fingerprints.

They’ve kept tabs on the movement of cash into their till and into their bank accounts but have missed the wealth of data by not monitoring the path and treatment of cash within their organization, according to Rory Herriman, executive vice president and CTO for Software and Digital Systems at SUZOHapp.

Customers can access personalized offers through the banking provider’s app, which means every time they earn rewards, find new deals and receive a helpful reminder of a bargain they do not want to miss, writes Mehmet Sezgin, CEO and Founder of MyGini.

It is important that all parties involved in construction projects not only be aware of these regulation updates and how they will impact their projects, but also what they can do to prepare for when the legislation inevitably reaches them, writes Matt Johnner, president and co-founder of BankLabs.

There are scenarios that complicate the B2B pricing process, before the customer even requests a quote. These issues vary across industries, growing even more complex once you bring subscription-based software solutions buyers into the picture, according to Mark Bartlett, chief experience officer of FPX.