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PAYTHINK
Opinion
The EMV Migration Can be Simplified
EMV is no stranger to the news cycle, with the card network 2015 liability shift approaching for many U.S. businesses.
CreditCall's Jeremy Gumbley
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Direct Connect's Matt Clyne
Opinion
Merchants now operate in many channels, presenting challenges for merchant service providers to locate payments technology that's flexible, easy to deploy and ready to accommodate emerging security mandates. more »
WinMagic's Mark Hickman
Opinion
According to Javelin Strategy & Research’s 2014 Identity Fraud Report, 13.1 million consumers became a victim of identity fraud in 2013—the second highest level on record. This means that 5% of the U.S. population is now being affected by identity fraud every year. more »
Image: Bloomberg News
Opinion
PayPal, which dominated the e-commerce storyline a decade ago, now finds itself fighting to stay relevant as consumers shift their focus to the emerging mobile channel. more »
Image: Thinkstock
Opinion
Since Google announced support for host card emulation (HCE) in Android KitKat 4.4 last year, the industry has been divided. more »
Image: Thinkstock
Opinion
It sometimes seems that two issues dominate payments: the ongoing battle over the price of payments between major retailers and issuing banks, and the organizations in developed markets that are tumbling over each over to announce their latest wallet, wearable token or smartphone app is going to revolutionise the payments world as we know it. more »
Image: ShutterStock
Opinion
Evolution is occurring rapidly in mobile payments. While the innovation headlines are being made by the digital innovators and new industry entrants, banks still have a window of opportunity to take strategic advantage and preserve their traditional payments franchise. more »
Image: ShutterStock
Opinion
Amazon's Square-like card reader comes at a very un-Square-like price, undercutting Amazon's competitor by a full 1% per swipe. But that promotion will eventually go away — and when it does, Amazon's merchants might go with it. more »
Image: Thinkstock
Opinion
Card-not-present merchants are battling increasingly frequent friendly fraud. That type of fraud–the “I don’t recognize” or “I didn’t do it” dispute–occurs when a cardholder makes a purchase, receives the goods or services and initiates a chargeback on the order claiming he or she did not authorize the transaction. more »
Image: ShutterStock
Opinion
Ever since Google announced the availability of Host Card Emulation (HCE) in the last version of Android, the discussion in the world of mobile payments has taken a very interesting turn. more »
ACI Worldwide's Michael Grillo
Opinion
For some time now, I’ve been using the mobile alerting capabilities offered by my bank and card issuers. The reassurance from knowing that I’ll be notified via text message of typical and not-so-typical transactions puts my mind at ease and gives me a sense of playing a part in the fraud prevention game. more »
Image: ShutterStock
Opinion
Between record low net interest margins on credit card portfolios, continued downward pressure on debit card interchange rates, industrial-grade fraudsters, and anemic consumer spending, the ability for banks to profit from their payments businesses has never been more challenging. more »
MasterCard's Vicky Bindra
Opinion
All of us who work in the technology sector can play a part in helping to figure out how to deliver economic services to nearly half of the world’s population, many of whom live without access to basic financial services such as a savings account. more »

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