The PaymentsJournal Podcast
727 episodes — Page 1 of 15
Physical Cards Reimagined—More Than a Payment Tool
Delegation with Limits: What Merchants Want from Agentic Commerce
From Data to Action: How Automated Intelligence Is Changing Collections
Why Fraudsters Look Trustworthy and Good Customers Look Suspicious
10 Years Running, Same Day ACH Continues to Break New Ground
Nacha’s Upcoming Rules Refresh Is All About Improving Clarity
Why Haven’t More Financial Institutions Adopted Instant Payments?
How BNPL Is Helping Credit Unions Strengthen Member Relationships
Despite Rapid Change, ACH Still Anchors the Payments Industry
Embedded Finance: Banks’ New Growth Channel
How Leading Brands Are Building Better Digital Gift Card Experiences
When AI Changes Fraud, Trust Becomes Everything
The Use Cases Propelling the FedNow® Service’s Growth—and Shaping Its Future
The Rise of Programmatic Payments and the New Compliance Challenge
When Payment Choice Becomes the Expectation
Why Crypto Will Be the New Standard for Global Payouts
What Happens When a Credit Union Outgrows Its Accounting System
The Missing Piece in Banks’ Identity Protection Strategy
The Case for Not Building Your Own Remittance Stack
When Faster Isn’t Better: The New Rules of Business Payments
For Gen Z, Banking Loyalty Begins with Payments
Tap-to-Pay Gives Small Merchants a Big Advantage
Modern Cyber Risk Is Breaking Longstanding Security Assumptions
Inside the Tech Shift Redefining How Credit Unions Operate
What Embedded Payments Can Solve for Small Businesses
The Growing Importance of Payments Risk Expertise
How Cautionary Spending Is Fueling Gift Card Purchases
How the Merchant of Record Became a Global Commerce Engine
A Career in Payments: Insights from Three Decades at Nacha
Preparing for Quantum Day and the Risks to Modern Cryptography
Serving a Segment of One: The Race to Stay Top of Wallet
The Future of KYC Is Layered—and Data-Driven
Separating Hype from Reality in Emerging Payment Trends
Searching for Trust in Agentic Commerce
The Instant Payments Shift Is Testing the Limits of Legacy Banking
Embedded Payments Are Becoming Core to Vertical SaaS
Inside Banking’s $10 Billion Inflection Point
The Hidden Cost of Fraud Disputes Is Hitting Banks Hard
Crypto Payments Are Ready for the Mainstream
The Passkey You Can’t Steal: Why Hardware Beats Software for High-Stakes Authentication
Tips on a Prepaid Card: A Practical Solution with Broad Industry Impacts
As Fraud and Agentic Risks Mount, Data Provides Continuity
What Would it Take for Stablecoins to Replace Wire Transfers in B2B Payments?
Instant, Irrevocable Payments Demand a Fraud Prevention Reboot
From a Checkbox to a Differentiator: Redefining ACH Fraud Monitoring
Last year, the treasurer’s office in Warren County, New York sent $3.3 million to what it believed was the county’s roadwork and maintenance contractor. It was not—the payments were instead routed to a fraudulent account. Because the county had recently switched from paper checks to ACH, the treasurer’s office had no account verification policies in […] The post From a Checkbox to a Differentiator: Redefining ACH Fraud Monitoring appeared first on PaymentsJournal.
The Emotional Toll of Financial Fraud
As financial fraud continues to accelerate, its impact on victims goes far beyond monetary loss. The emotional and behavioral effects are long-lasting, shaping future decisions and sometimes undermining trust in their financial institutions. Substantial progress has been made in strengthening fraud detection and prevention, but much work remains—especially in the age of AI. In a […] The post The Emotional Toll of Financial Fraud appeared first on PaymentsJournal.
What Should Credit Unions Be Doing with Crypto?
Many credit unions are grappling with the differences between cryptocurrency, stablecoins and tokenized deposits—and whether these innovations fit into their business model. It’s important to take a step back and allow strategic evaluation, rather than urgency, to drive decisions around digital assets. Velera and its Digital Asset Lab are helping credit unions overcome the “fear […] The post What Should Credit Unions Be Doing with Crypto? appeared first on PaymentsJournal.
The Fate of Agentic Commerce Hinges on an Elusive Resource: Trust
In the past, banks and businesses could build rapport by delighting customers over several interactions. That window has largely disappeared amid the impersonal nature of today’s digital ecosystem—and the growing sophistication of fraud. The surge in fraud and money laundering has prompted many experts to advocate for a return to a zero-trust framework, where every […] The post The Fate of Agentic Commerce Hinges on an Elusive Resource: Trust appeared first on PaymentsJournal.
Tokenization: From Security Tool to Future-Ready Payments
High-profile data breaches at major retailers exposed thousands of consumers’ personal account numbers (PANs), spurring the adoption of tokenization—a solution that replaces sensitive account data with surrogate values, protecting both consumers and merchants. As tokenization scaled, its benefits proved to extend well beyond fraud prevention. Merchants often saw meaningful lifts in authorization rates. But the […] The post Tokenization: From Security Tool to Future-Ready Payments appeared first on PaymentsJournal.
Despite Fintech Encroachment, Banks Can Remain the Go-To for SMBs
For many small business owners, the workday doesn’t end when customers leave. It continues late into the evening—logging into multiple dashboards, exporting spreadsheets, reconciling transactions, and trying to make sense of scattered financial data. In the absence of a centralized solution, many have been forced to stitch together a patchwork of banks, fintech apps, payment […] The post Despite Fintech Encroachment, Banks Can Remain the Go-To for SMBs appeared first on PaymentsJournal.