As part of the redesign of the PaymentsSource website in 2013, we launched our blog, called Interchange, to provide a venue for informed opinion, industry dialogue and lively debate about the dynamic and evolving global payments industry.
Since then, we've had dozens of contributors submit posts to the blog. Mobile was certainly a hot topic, as was security, merchant acquiring, EMV and Bitcoin. With the year coming to a close, here's a look back at some of our favorite contributions.
In the inaugural post to the blog, Airtag CEO Jérémie Leroyer explains why retailers should embrace a hybrid approach to mobile shopping with wallet apps that bridge the physical and digital consumer experiences.
Migrating to EMV doesn't mean card issuers have to do away with instant-issuance systems, but they must take a multilayered approach to card validation and system management, according to HID Global's Craig Sandness.
In one of his many contributions to Interchange, Bitcoin Foundation Executive Director Jon Matonis argues that assigning the digital currency a price ticker would increase the market depth and liquidity of bitcoin trading.
The FTC's move to hold processors responsible for merchants' misdeeds was first addressed by Electronic Transactions Association CEO Jason Oxman, and later, by attorneys at the Ropes & Gray and Arnall Golden Gregory law firms.
Payments consultant and frequent Interchange commenter Lindsay Aranha writes that using the payments stream to promote donations provides an easy way to link everyday consumer payments with charitable giving.
The PCI Security Standards Council's hacker-inspired data mapping plans are crucial to protecting super-interconnected enterprise systems, explains Safe-T Vice President Ronen Kenig.
The real mobile revolution for small business payments is occurring not in consumer wallets, but on the other side of the counter, with disruption in POS terminals, according to McKinsey & Co.'s Dan Ewing.
Rather than just absorbing the losses from account takeover attacks, firms should reevaluate the effectiveness of authentication methods and increase security to prevent fraud, argues Entersekt Senior Vice President Doug Parr.
Convenience for the receiver will ultimately drive mass adoption of person-to-person payments and give financial institutions that deploy this service a competitive advantage, writes Steve DuPerrieu of Computer Services Inc.
Mobile bill pay builds on remote deposit capture technology and lets users take pictures of paper statements to pay bills, while aligning banks' costs with user benefits, according to Allied Payment Network President Ralph Marcuccilli.
It's been a privilege to launch the Interchange blog this year and we can't wait for what 2014 has in store. If youre interested in becoming a regular contributor, or just want to pen an occassional guest post on our blog, please contact Managing Editor Austin Kilgore.