The word on Episode Six.

Why Banks, Neobanks, and Fintechs Must Integrate New Payments Tech and Crypto ASAP

In a recent article on The Fintech Times, I discussed why crypto and DeFi isn’t just a fad, but something that will remain for a long time, and if banks do not respond to it, they will face the consequences in the future. During the…

Re-imagined BNPL from Episode Six provides card issuers new capabilities to configure installments for payment transactions

Episode Six is transforming the buy now, pay later (BNPL) landscape, by putting control in the hands of card issuers versus the acquirer or other third parties. For the first time, issuers can implement changes at the account level in real-time. To understand why this…

Digital payment firms are prime for open banking partnerships

Digital payment firms are prime for open banking partnershipsWith the rise of so-called neobanks, or digital-native financial institutions that are born out of the cloud, legacy FIs must be attuned to emerging competition set to capture the next generation of financial services consumers. Further, they…

10 Vital Roles for CFOs

While finance team hiring is typically managed by human resources, many CFOs play an active role because they believe it’s important to get the right fit for the corporate culture generally and the finance team specifically. 

Intersection between Banking and Technology: The Future of Community Banking

The banking and financial services industry is entering exciting – and unprecedented – new times. For several years, we have seen banking and technology become increasingly interconnected, with banks and blue chip financial services companies setting their sights on acquiring and partnering with fintechs.

How banks can take full advantage of artificial intelligence

Artificial intelligence (AI) is rapidly evolving across various parts of the banking and payments sectors, and digital consumers are reaping the benefits from institutions that apply this technology. There is an increasing number of operational use cases for AI as well, which are proving beneficial…

Innovation in commercial banking: what’s the status?

Over the past decade, the banking industry has made great strides when it comes to providing customers with better digital experiences – thanks in part to the rise of innovations like cloud computing and APIs. Increased competition from startup fintechs has also motivated banks to…

Gen Z is here, and digital-only is the future of banking

It’s no secret that technology is dramatically changing the way financial services are being delivered. At the beginning of 2010, few banks offered mobile banking apps; now having one is almost a requirement to conduct business. Read More

Open Banking: Lessons Learned and Looking Towards the Future

The idea of sharing data and exposing APIs to third parties was usually routinely dismissed out of hand by financial institutions. But that’s beginning to change, as both regulatory and consumer demands are moving the world in the direction of open banking. Read More

The Future of Real-Time Payments

Real-time payments (RTPs) have long been a dream for consumers and the financial industry alike, but so far have yet to become ubiquitous. In the U.S., the legacy systems used to run banks – and the rails on which payments are moved – simply weren’t…

Will Regulations Push the Adoption of Innovative B2B Payment Solutions Forward?

In the past five years, the B2C payments space has seen significant advances. The widespread adoption of mobile wallets, the rise of contactless payments in Asia, and high popularity of peer-to-peer payment platforms exemplify how B2C payment solutions are rapidly evolving to keep up with consumer…

How PSD2 and Global Open Banking Affect the US

The EU Revised Payment Services Directive, or PSD2, came into effect January 2018. While this expansive regulation includes numerous updates, the requirement for financial institutions to participate in an open banking system is arguably the most disruptive. Read More