ISO & Agent

To see significant growth in NFC payments in the U.S. a movement to standardize terminals across merchants would be necessary, coupled with a willingness from consumers to test, trust and use the technology, writes Beatta McInerney, business development manager for payments at ScanSource.

The fridge, car, home assistant, smart watch, etc., will be able to initiate digital payments both online and on-location, and some will even be able to accept payment as well, and payment companies will need to respond, according to Michel Léger, executive vice president of innovation at Ingenico Group.

In India, tens of millions of merchants still operate largely in cash with a mostly unbanked rural population. Technology could solve their problems, but the bigger differentiator may be in how payment services are sold.

To keep up with the fast-moving payments industry and avoid damaging their own bottom line, it’s time for merchants to start paying attention, writes Todd Linden, CEO of payment processing for North America at Paysafe.

The stance the Bank of England is taking a proactive and pragmatic approach that should be championed, writes Nigel Green, founder and CEO of deVere Group.

Even if a business is located in the U.S., it’s where the service is delivered that determines if the GDPR rules governing data protection in the EU apply, writes Mia Papanicolaou of Striata.

A combination of software, operating system and development tools can turn in-vehicle "informatainment" systems into payment gateways, according to Jim Carroll, chief technology officer at Mobica.

The lack of enforcement actions is troubling and raises questions of what’s ahead, writes Matt Schulz, senior analyst at CreditCards.com.

Security risk management works best when artificial intelligence and humans work together, writes Suresh Dakshina, a president at Chargeback Gurus.

Manual means of dispute management are inefficient and growing untenable in the current security and compliance environment, writes Brad Johnson, director of solutions consulting at Centrix Solutions.

Breach investigations can be very lengthy and it is not uncommon to disclose additional findings over time, writes Mounir Hahad, head of threat research at Juniper Networks.

Online lenders build a seamless customer journey from screening to underwriting to origination to servicing to funding, writes Krista Morgan, CEO and co-founder of P2Binvestor.

Retailers and payment service providers will need to report on at least a quarterly basis on performance against the reference fraud rates, writes Matthew Attwell, Risk & Client Services director at The ai Corporation.

Money launderers are opportunists and the real estate sector is a weak link when it comes to regulation, writes Jay Ryan, an executive vice president at Accuity.

An omnichannel payment platform offers customers a unified shopping experience across whichever channel they decide to make a purchase, whether via point-of-sale in-store, online, mobile or even telephone, writes Nick Aceto, senior vice president of technology for CardConnect.

“Liquid” is the best descriptor for this shift because it illustrates the continuum of pay-with-points options, writes Barry Kirk, vice president of customer loyalty for Maritz Motivation Solutions.

Limited data on fraud is a widely recognized issue and it was decided that incorporation into PSD2 was the most appropriate way to enforce a requirement, writes Matthew Attwell of The ai Corporation.

OEM and other mobile payments can feed sales, marketing and recurring transactions for lenders, according to Steve Yi, co-founder and CEO of MediaAlpha.

With even the likes of WhatsApp and Google Chrome looking to integrate payment APIs into their offerings, this space is poised up for a lot of disruption, writes Sanat Rao, chief business officer and global head for Infosys Finacle.

eBay’s change of payments processor signals the strong and continuing shift toward local, alternative methods of payment around the world, writes James Booth, head of business development for PPRO.