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Apple Pay Boosts Issuer Expense, But It's a Necessary Cost
Apple Pay represents a new cost to the issuing community. The issuers accept this because there is little choice but to operate on Apple's terms, including paying a fee to support Apple Pay.  more »
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Most people remain skeptical of the libertarian utopia wherein the government cedes control of the money supply to Bitcoiners. But some are starting to come around on the blockchain technology that enables Bitcoin as an important part of our digital future, as well as an advancement that threatens the third parties that often manage financial transfers. more »
Rene Lacerte, founder and CEO of Bill.com
By using simplified processes for payments and other services, a new generation of innovators is disrupting major financial institutions and demonstrating how a technology-first approach can vastly improve customer experience. more »
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Square’s expansion into email marketing seemed like a surprise move for the company best known for its mobile point-of-sale system for small businesses. more »
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When a mobile wallet fails, it doesn't go away. Companies can upgrade dormant apps and remove their functionality, but the apps stay on users' phones, each one a headstone in a growing digital graveyard. more »
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EMV will require new payment processes that, while seemingly small to those instituting the change, require a shift in behavior that could feel monumental to consumers. more »
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While Google may be the behemoth in web search, its payments initiatives leave a lot to be desired. more »
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In the payments’ context, establishing an inclusive process is easier said than done, since the majority of stakeholders interact with payment systems at the periphery without much awareness of its inner workings. While payments are often compared to a "plumbing system" or rails, it's actually more helpful to see the ecosystem as a "highway." more »
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With ample fueling from mobile transactions, the potential for converting point of sale data into CRM and marketing data is massive. But as full of potential as this merger is across all retail purchases, it's particularly strong down market—and the smaller the business, the better. more »
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While the big players in mobile have arrived—Apple, Samsung and Google, the result has been a trade of one form of complexity for another. more »
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Google’s announcement of Pony Express, a bill presentment and payment service, has caught the attention of many financial service providers including banks and credit unions. more »
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When costs plummet but prices stay high as ever, a market is clearly not working properly. But that's what is happening right now in the business of processing credit- and debit-card transactions, thanks to price-fixing that harms not just merchants but consumers and the entire economy. more »
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Lyle Beckwith of the National Association of Convenience Stores argues that debit card interchange is unfairly high. But this argument ignores several key points. more »