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# Payments NEXT

Disruptive payments industry news & intelligence

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## Posts

- [Why the Future of Banking Isn't the Transaction - It's the Intelligence Behind Every Swipe](https://paymentsnext.com/why-the-future-of-banking-isnt-the-transaction-its-the-intelligence-behind-every-swipe/) - Financial institutions must turn aggregated transaction totals into actionable intelligence, moving from passive observers to proactive, intent-driven advisors.
- [Six payment trends merchants can't afford to ignore in 2026](https://paymentsnext.com/six-payment-trends-merchants-cant-afford-to-ignore-in-2026/) - 2025 was eventful in the payments industry. Here are six payment trends merchants need to understand as the new year unfolds.
- [From Generative to Agentic AI: The Industrialization of Synthetic Identity Fraud](https://paymentsnext.com/from-generative-to-agentic-ai-the-industrialization-of-synthetic-identity-fraud/) - Research suggests US economic losses from synthetic identity fraud could reach $30- $35 billion annually, accelerating quickly as fraudsters weaponize AI.
- [How to Win in Payments in the Future](https://paymentsnext.com/how-to-win-in-payments-in-the-future/) - Once treated as a back-office utility with little differentiation, payments are emerging as a strategic growth engine for banks, merchants, and fintechs alike.
- [What does “orchestration” really mean in payment processing?](https://paymentsnext.com/what-does-orchestration-really-mean-in-payment-processing/) - To effectively reduce complexity and improve efficiency, merchants must approach payments orchestration with a focus on security and data control.
- [Three Blind Spots Keeping Finance Leaders from Modernizing Accounts Receivable](https://paymentsnext.com/three-blind-spots-keeping-finance-leaders-from-modernizing-accounts-receivable/) - Three blind spots prevent finance leaders from recognizing A/R as a strategic driver of growth, customer loyalty, and working capital efficiency.
- [3 Bold Payments Predictions for 2026](https://paymentsnext.com/3-bold-payments-predictions-for-2026/) - Butter analyzed transaction data from Q1-Q3 of 2025, identifying 3 key trends that will transform the payments ecosystem and subscription company business.
- [Why Payment Fraud Is Now a CFO Priority](https://paymentsnext.com/why-payment-fraud-is-now-a-cfo-priority/) - By John Gronen, CFO, Yooz Traditional AP automation helps finance teams cut costs and streamline approvals. But in 2025, it's no longer enough to meet many CFOs' needs. Leaders today face the triple challenge of shrinking budgets, rising fraud, and increasing pressure to innovate. Embracing a new model may be what it takes to move
- [Visa’s New Data Mandate Could Reshape How Merchants Handle Payments](https://paymentsnext.com/visas-new-data-mandate-could-reshape-how-merchants-handle-payments/) - Visa is redefining what “good data” means in the payments ecosystem, and every business that accepts corporate or purchasing cards should take notice.
- [Payment Exceptions: The Million-Dollar Problem Hiding Behind Transaction Fees](https://paymentsnext.com/payment-exceptions-the-million-dollar-problem-hiding-behind-transaction-fees/) - Payment failures are creating massive losses. Financial institutions are hemorrhaging hundreds of thousands of dollars annually on failed payments.
- [The GENIUS Act Changed Everything: How to Compete in the $2 Trillion Stablecoin Market](https://paymentsnext.com/the-genius-act-changed-everything-how-to-compete-in-the-2-trillion-stablecoin-market/) - With the passage of the GENIUS Act, you now have a clear legal pathway to compete, and the global, cross-border stablecoins market opportunity is massive.
- [Compliance Is Not Enough: MirrorMask Reveals PCI DSS and Client-Side Risk](https://paymentsnext.com/compliance-is-not-enough-mirrormask-reveals-pci-dss-and-client-side-risk/) - Stripe merchants were targeted by a digital skimmer called MirrorMask where threat actors injected malicious code that proxied Stripe's iframe for 49 merchants.
- [Decoding the UK Data Bill: What It Signals for Trust, Innovation, and Competitive Advantage](https://paymentsnext.com/decoding-the-uk-data-bill-what-it-signals-for-trust-innovation-and-competitive-advantage/) - UK Data Bill marks a fundamental shift in how customer identity is verified, data is exchanged, and digital trust is embedded into transactions.
- [Research: What Gen Z wants is not their father’s bank](https://paymentsnext.com/research-what-gen-z-wants-is-not-their-fathers-bank/) - What do Gen Z and younger consumers want from their banks? They want digital, mobile, and instant banking services. In other words, not their dad's bank.
- [A Bitcoin, an Ethereum and a Monero walk into a bar...](https://paymentsnext.com/a-bitcoin-an-ethereum-and-a-monero-walk-into-a-bar/) - You know it's a bubble when you start seeing and hearing bitcoin, blockchain and cryptocurrency jokes and cartoons. Enjoy this collection of best bitcoin jokes.
- [Three Key Questions To Consider for Payment Strategies in 2026 ](https://paymentsnext.com/three-key-questions-to-consider-for-payment-strategies-in-2026/) - The payment experience can be a key differentiator for a retailer. Let’s discuss 3 key questions retailers should ask when evaluating their payment processes.
- [Securing Payment Primacy in the Invisible Checkout Era](https://paymentsnext.com/securing-payment-primacy-in-the-invisible-checkout-era/) - With agentic shopping, the e-commerce shopping cart as we know it will soon disappear, along with the familiar flow of payments during checkout.
- [Americans Reduce Spending While Payments Behaviors Expand](https://paymentsnext.com/americans-reduce-spending-while-payments-behaviors-expand/) - Recent findings from the Logica® Future of Money study show two in five adults are cutting back on spending compared to late 2024.
- [US consumers fighting for financial security and failing](https://paymentsnext.com/us-consumers-fighting-for-financial-security-and-failing/) - US consumers are fighting a losing battle for financial security. Instead of building buffers, growing debt, inflation, and rising costs are dragging them down.
- [Signs Your Organization Needs an Automated OFAC Checking Solution](https://paymentsnext.com/signs-your-organization-needs-an-automated-ofac-checking-solution/) - As part of your compliance responsibilities, every new vendor and every payment must be checked against OFAC’s Specially Designated Nationals (SDN) list.
- [Are Physical Credit Cards Doomed?](https://paymentsnext.com/are-physical-credit-cards-doomed/) - Consumers now expect to use these smartphones and wearable devices instead of credit cards for everyday tasks, including in-person payments via digital wallets.
- [AI Payments Are Coming Fast – But So Is Agentic Fraud](https://paymentsnext.com/ai-payments-are-coming-fast-but-so-is-agentic-fraud/) - AI-driven commerce – where autonomous AI agents shop on behalf of consumers – is moving from theory to reality fast. AI fraudsters are moving even faster.
- [Attacking ERP Systems: The Next Frontier in B2B Payment Fraud](https://paymentsnext.com/attacking-erp-systems-the-next-frontier-in-b2b-payment-fraud/) - With all this power concentrated in one place, it's no surprise that cybercriminals are setting their sights on ERP systems.
- [How SMEs Can Shift Power in the Next Era of Transactions](https://paymentsnext.com/how-smes-can-shift-power-in-the-next-era-of-transactions/) - SMEs reach a crucial point where adapting to shifting customer expectations can unlock new opportunities for growth and enhanced customer engagement.
- [Payments that lag, lose corporate customers](https://paymentsnext.com/payments-that-lag-lose-corporate-customers/) - Many banks and corporations are slow to fully embrace the need for speed. This inertia isn't due to a lack of rails, but a lack of clear, immediate use cases.
- [Baby Boomers Choose Security Over Payment Fads](https://paymentsnext.com/baby-boomers-choose-security-over-payment-fads/) - Boomers have adopted digital payments , but they still put their trust in debit and credit cards over mobile wallets, wearables, or other flashy innovations.
- [Combating Business Email Compromise (BEC) Attacks: Best Practices and the Role of Self-Service Supplier Portals](https://paymentsnext.com/combating-business-email-compromise-bec-attacks-best-practices-and-the-role-of-self-service-supplier-portals/) - Business Email Compromise (BEC) attacks have emerged as an insidious form of payment fraud, targeting organizations of all sizes and across all industries.
- [From Bottleneck to Business Driver: Transforming the Payments Back Office into a Profit Center](https://paymentsnext.com/from-bottleneck-to-business-driver-transforming-the-payments-back-office-into-a-profit-center/) - With the right transformation strategy, back-office payment operations can shift from a cost center to becoming a true profit engine.
- [Open Banking Can Solve Credit Crisis, But US Playing Catch-up](https://paymentsnext.com/open-banking-can-solve-credit-crisis-but-us-playing-catch-up/) - Many Americans are enduring a credit crisis, and part of the reason is the slow adoption of open banking in the US. It's time to catch up.
- [Gen X Shuns Payment Fads, Prioritizes Security and Familiarity](https://paymentsnext.com/gen-x-shuns-payment-fads-prioritizes-security-and-familiarity/) - Consumers aged 45 to 60 remain steadfastly loyal to debit and credit cards, prioritizing trust and security over innovative tools like mobile wallets.
- [Modernizing the Payments Back Office: Why "Buy" Deserves a Second Look](https://paymentsnext.com/modernizing-the-payments-back-office-why-buy-deserves-a-second-look/) - When considering modernization for the payments back office, companies face three options: Build, Buy, or Outsource. The Buy option is gaining traction.
- [What the 2025 Chargeback Surge Means for Banks and Merchants](https://paymentsnext.com/what-the-2025-chargeback-surge-means-for-banks-and-merchants/) - Ethoca's 2025 State of Chargebacks report confirms we're not just seeing a spike but watching a structural shift that will cost us unless we fight back hard.
- [Evolution of Card Payment Settlement: From Batch to Real-Time](https://paymentsnext.com/evolution-of-card-payment-settlement-from-batch-to-real-time/) - Consumers and merchants want faster payment settlement. With technological advancement and regulatory shifts, payment processors must adapt to stay competitive.
- [Navigating the Confusing World of PCI Compliance](https://paymentsnext.com/navigating-the-confusing-world-of-pci-compliance/) - PCI compliance is a problem for payments, especially small and medium-sized companies in the business-to-business (B2B) space. Merchants need support.
- [As Credit Card Concerns Rise, Banks Look to ‘Sweeten the Pot’ for Debit Card Users](https://paymentsnext.com/as-credit-card-concerns-rise-banks-look-to-sweeten-the-pot-for-debit-card-users/) - More consumers are opting for debit cards over credit cards to avoid continuing to accumulate high-interest debt. Banks are hoping to capitalize on the trend.
- [Banks are investing in AI, but are customers ready for change?](https://paymentsnext.com/banks-are-investing-in-ai-but-are-customers-ready-for-change/) - Banks' investment in AI technology could reach nearly $100 billion by 2027. But, consumer confidence in AI is not as strong as businesses' financial commitment.
- [5 Areas in Card Transactions Where FIs Lose Up to 50% of Profit](https://paymentsnext.com/5-card-transactions-where-fis-lose-up-to-50-of-profit/) - There are five overlooked transactions where banks and acquirers can lose up to 50% of their profit. Find out how to avoid these profit-killers.
- [Countdown to PCI DSS v4.0 Compliance: What Payments Executives Need to Know](https://paymentsnext.com/countdown-to-pci-dss-v4-0-compliance-what-payments-executives-need-to-know/) - By Rui Ribeiro, CEO and Co-Founder, Jscrambler 2024 was another big year for e-skimming attacks. According to Recorded Future, Magecart or e-skimming incidents increased by 103% in the first half of 2024 compared to previous periods. One example that may ring true with American football fans, especially those in Wisconsin, involved the Green Bay Packers. In
- [How AI, On-Demand Payroll, Financial Inclusion Will Redefine Payments in 2025](https://paymentsnext.com/how-ai-on-demand-payroll-financial-inclusion-will-redefine-payments-in-2025/) - Three key trends will define 2025: the rise of AI-driven personalization, the demand for on-demand payroll, and the acceleration of financial inclusion.
- [Emerging technologies: Insurance payment processing's future](https://paymentsnext.com/emerging-technologies-insurance-payment-processings-future/) - The future of insurance payment processing holds great potential, driven by emerging technologies. The question is, what potential is yet to be unlocked?
- [Five Key Ways for FIs to Maximize AI Potential](https://paymentsnext.com/five-key-ways-for-fis-to-maximize-ai-potential/) - Adoption by financial industry pioneers is widely underway, although the challenge is no longer implementing AI but maximizing its benefits.
- [What Banks Can Learn from PayPal's 2024 Payments Innovations](https://paymentsnext.com/what-banks-can-learn-from-paypals-2024-payments-innovations/) - In 2024, PayPal launched a series of new user features designed to expand the company's role in payments. What can we learn from these product innovations?
- [Global Payouts Orchestration: Driving Payments 3.0](https://paymentsnext.com/global-payouts-orchestration-driving-payments-3-0/) - In 2025, we will see the further rise of Payments 3.0, a new era defined by the convergence of advanced technologies, global reach, and seamless integration.
- [How AI is Revolutionizing Fraud Detection in B2B Payments](https://paymentsnext.com/how-ai-is-revolutionizing-fraud-detection-in-b2b-payments/) - Artificial intelligence (AI) offerS a real-time, proactive approach to fraud detection that's changing how businesses in the B2B space protect themselves.
- [Engaging Gen X: Customized Self-Service Bill Pay Solutions](https://paymentsnext.com/engaging-gen-x-customized-self-service-bill-pay-solutions/) - Addressing the unique preferences of their Gen X borrowers can transform potential pain points into lending opportunities, improved engagement and efficiency.
- [Legacy Systems: Are Payment Methods Stuck in the Past?](https://paymentsnext.com/legacy-systems-are-payment-methods-stuck-in-the-past/) - Are payment systems stuck in the past? In an era dominated by AI and machine learning, data is a crucial asset that legacy systems often fail to leverage fully.
- [Unlocking Growth Amid Payment Delays and Fraud Risks](https://paymentsnext.com/unlocking-growth-amid-payment-delays-and-fraud-risks/) - Slow payments and rampant fraud are not just inconveniences; they represent hurdles that can stifle growth for merchants and negatively impact consumer loyalty.
- [4 Reasons Why You Should Ditch Your Debit Card This Holiday Season (and permanently)](https://paymentsnext.com/4-reasons-why-you-should-ditch-your-debit-card-this-holiday-season-and-permanently/) - A simple way to protect yourself from being a fraud victim is to use your credit card instead of your debit card for purchases this holiday season or anytime.
- [Gaining Control of Transaction-Based Fee Structures](https://paymentsnext.com/gaining-control-of-transaction-based-fee-structures/) - Not having a flexible and competitive fee structure can negatively impact financial institution customer retention and profitability.
- [Can Pay by Bank Solve the $41 Billion Card Fraud Crisis?](https://paymentsnext.com/can-pay-by-bank-solve-the-41-billion-card-fraud-crisis/) - Pay by Bank enhances security and streamlines the payment process, providing consumers with faster, more convenient and secure transactions.
- [Network Tokens: Understanding the Technology Transforming Consumer Payments](https://paymentsnext.com/network-tokens-understanding-the-technology-transforming-consumer-payments/) - Network tokenization is transforming how payment transactions are processed and providing valuable benefits to merchants and consumers.
- [Payments' Role in Combating E-commerce Fraud Growth](https://paymentsnext.com/payments-role-in-combating-e-commerce-fraud-growth/) - How is e-commerce fraud being committed? One is through the use of AI, specifically generative AI. However, AI can also help in combating payment fraud.
- [Managing Risk Balanced by Strategy](https://paymentsnext.com/managing-risk-balanced-by-strategy/) - When it comes to managing payment risk, adopting a balanced strategy that carefully weighs potential risks is crucial.
- [Does Your Bank Partnership Fit Your Fintech? Four Factors to Consider](https://paymentsnext.com/does-your-bank-partnership-fit-your-fintech-four-factors-to-consider/) - In the face of new regulations, fintechs must reevaluate bank partnerships considering their operations, company size, scope and function.
- [You Thought You Knew Virtual Cards…Think Again](https://paymentsnext.com/you-thought-you-knew-virtual-cardsthink-again/) - Virtual cards offer significant improvements to business processes related to purchasing goods and services—both by employees and others outside the company.
- [New Payment Options to Drive E-commerce to $11.4 Trillion by 2029](https://paymentsnext.com/new-payment-options-to-drive-e-commerce-to-11-4-trillion-by-2029/) - Global e-commerce transactions will hit $11.4 trillion by 2029, up from $7 trillion in 2024, driven primarily by alternate or new payment options.
- [How mobile wallets boost security, convenience and inclusion for bill payments](https://paymentsnext.com/how-mobile-wallets-boost-security-convenience-and-inclusion-for-bill-payments/) - With mobile wallet payments, businesses can provide a reliable, consistent transaction experience across digital channels and build loyalty and foster trust.
- [Open Banking: Revolutionizing US Loyalty Rewards & Financial Services](https://paymentsnext.com/open-banking-revolutionizing-us-loyalty-rewards-financial-services/) - Open banking is reshaping US financial transactions and services and, in 2023, open banking transactions reached $57 billion, hugel expanding its influence.
- [Innovating finance: The convergence of telecoms and banking](https://paymentsnext.com/innovating-finance-the-convergence-of-telecoms-and-banking/) - Banks and mobile network operators are combining to offer advanced services to millions, reshaping the traditional boundaries between finance and communication.
- [Inside Brazil's Fintech Revolution - How Pix is Pointing the Way Forward for Global Fintech](https://paymentsnext.com/inside-brazils-fintech-revolution-how-pix-is-pointing-the-way-forward-for-global-fintech/) - Brazil has become one of the most digitally connected countries in the world, handily surpassing the US. Learn how Pix is revolutionizing global payments.
- [Business travellers are embracing new payments tech](https://paymentsnext.com/business-travellers-are-embracing-new-payments-tech/) - Financial decision-makers and travel managers are adopting advanced virtual payment technologies causing a dramatic shift in the corporatepayments landscape.
- [Mobile payments making news and disrupting everywhere](https://paymentsnext.com/mobile-payments-making-news-and-disrupting-everywhere/) - We're looking at how mobile payments are making news and disrupting the financial industry status quo around the globe.
- [A New Take on the Oldest Form of Bill Payment: Cash](https://paymentsnext.com/a-new-take-on-the-oldest-form-of-bill-payment-cash/) - Cash is still in unbanked and young consumers' wallets and mobile wallets. It continues to be an essential loan repayment option for this segment of borrowers.
- [Unlocking profit potential in the payments back-office ](https://paymentsnext.com/unlocking-profit-potential-in-the-payments-back-office/) - Enhanced customer service, improved employee satisfaction, greater efficiency, and better chargeback management can all help unlock new sources of profit.
- [The transformative impact of AI on invoice-to-pay functions](https://paymentsnext.com/the-transformative-impact-of-ai-on-invoice-to-pay-functions/) - AI has the potential to reinvent AP – historically one of the most paper-intensive, labor-intensive, and time-consuming finance and administration functions.
- [Online merchants have a PayPal problem](https://paymentsnext.com/online-merchants-have-a-paypal-problem/) - PayPal does plenty right, but merchants on the digital payment platform have a real problem: bigger exposure to friendly fraud and increased chargebacks
- [From data to decisions: Five steps to making payments data work for you](https://paymentsnext.com/from-data-to-decisions-five-steps-to-making-payments-data-work-for-you/) - To fully capitalize on data value – for decision-making, automation enablement and advanced analytics – data must first be correctly and carefully managed.
- [4 ways to make digital payments more effective](https://paymentsnext.com/4-ways-to-make-digital-payments-more-effective/) - Here are four ways businesses can tap into the 256 million digital US customers and improve the effectiveness of their digital payments strategy.
- [CCCA could save merchants and consumers over $16B a year](https://paymentsnext.com/ccca-could-save-merchants-and-consumers-over-16b-a-year/) - The Merchants Payments Coalition is urging passage of The Credit Card Competition Act (CCCA) which could save an estimated $16 billion annually in swipe fees.
- [AI vs AI: The best hope for combating generative AI fraud risk](https://paymentsnext.com/ai-vs-ai-the-best-hope-for-combating-generative-ai-fraud-risk/) - How do our finance teams defend against fraud attempts that adapt faster than we can possibly counter them? The answer may be to fight AI fire with AI fire.
- [The State of Chargebacks in 2024](https://paymentsnext.com/the-state-of-chargebacks-in-2024/) - Chargebacks are an issue. Mastercard recently said the estimated US chargeback volume will reach 146 million in 2026 – over $15.3 billion in value.
- [Visa, Mastercard settle long-running antitrust lawsuit over US merchant swipe fees](https://paymentsnext.com/visa-mastercard-settle-long-running-antitrust-lawsuit-over-us-merchant-swipe-fees/) - Visa and Mastercard reached a landmark US antitrust settlement , ending a protracted legal battle agreement and credit card fees for five years for retailers.
- [Democratizing finance: Bridging the gap between the 1% and the 99% through AI and financial infrastructure](https://paymentsnext.com/democratizing-finance-bridging-the-gap-between-the-1-and-the-99-through-ai-and-financial-infrastructure/) - The paradigm shift in payments is much bigger than just leaving your wallet at home thanks to contactless payments, connected devices, IoT, and more.
- [How to maximize agility and automation with rules-based payment processing](https://paymentsnext.com/how-to-maximize-agility-and-automation-with-rules-based-payment-processing/) - Many companies are overcoming the challenge of legacy payment systems by implementing modern software solutions based on user-configurable business rules.
- [Business payment fraud demands new approaches to account validation](https://paymentsnext.com/business-payment-fraud-demands-new-approaches-to-account-validation/) - Today's strong bank account validation processes create a false sense of security and are no longer eaten to prevent business payment and bank account fraud.
- [Four ways AI is transforming payments](https://paymentsnext.com/four-ways-ai-is-transforming-payments/) - Large companies and emerging fintech startups are grappling with implementing AI technologies to streamline processes, improve efficiency, and reduce costs.
- [Low fintech investment could be just what we need](https://paymentsnext.com/low-fintech-investment-could-be-just-what-we-need/) - There's no doubt that the initial boom of the fintech industry is over, and we've entered our first real phase of hard times.
- [Facing Challenges: Credit Unions Struggle with Earnings](https://paymentsnext.com/facing-challenges-credit-unions-struggle-with-earnings/) - As the economic landscape shifted,credit unions faced unprecedented obstacles, resulting in record-low earnings, growing fraud challenges and big concerns.
- [Preventing false declines and failed payments in subscription models](https://paymentsnext.com/preventing-false-declines-and-failed-payments-in-subscription-models/) - Addressing issues with false order declines and payment failures can help subscription sellers meet customer retention goals by reducing payment-related churn.
- [How digital bank apps enhance customer experience](https://paymentsnext.com/how-digital-bank-apps-enhance-customer-experience/) - What does the future hold for digital banking apps and what can banks offer their customers to build trust and increase engagement?
- [Top tips for managing the January chargebacks spike](https://paymentsnext.com/top-tips-for-managing-the-january-chargebacks-spike/) - Merchants must be aware of the causes of chargebacks to prepare for the impacton their revenue when those transactions are challenged for a refund in January.
- [Five reasons to get a handle on chargebacks](https://paymentsnext.com/five-reasons-to-get-a-handle-on-chargebacks/) - New platforms now enable payment processes to consolidate and automate chargebacks, increasing efficiency and reducing losses while yielding other benefits.
- [Three best practices to boost on-time payments using personalized links](https://paymentsnext.com/three-best-practices-to-boost-on-time-payments-using-personalized-links/) - One smart, affordable tool to solve many common payment issues and reduce the strain on customer service is personalized payment links for one-click payments.
- [Payment decline trends in consumer subscriptions: Strategies to retain customers](https://paymentsnext.com/payment-decline-trends-in-consumer-subscriptions-strategies-to-retain-customers/) - Transactions are being declined due to limitation of funds at an increasing with rate renewal invoice decline rates up 70% in Nov 2023 vs. pre-COVID trends.
- [Navigating the embedded finance revolution: Strategies for simplifying legacy bank technology](https://paymentsnext.com/navigating-the-embedded-finance-revolution-strategies-for-simplifying-legacy-bank-technology/) - Legacy bank infrastructure does not adapt easily. While it seems like a no-brainer, launching a cohesive and sustainable embedded finance strategy is difficult.
- [Will Black Friday and 2023 holiday sales be in the black?](https://paymentsnext.com/will-black-friday-and-2023-holiday-sales-be-in-the-black/) - With Black Friday imminent, we've got a rundown of predictions for the 2023 US holiday shopping season from retail analysts and, projections are encouraging.
- [As recession looms, can AI help businesses weather the storm?](https://paymentsnext.com/as-recession-looms-can-ai-help-businesses-weather-the-storm/) - In this turbulent economy, AI appeals due to its promise to automate tasks and save money. But it's essential to separate AI hype and limitations from reality.
- [4 Challenges in Real-Time Payments and how to address them](https://paymentsnext.com/4-challenges-in-real-time-payments-and-how-to-address-them/) - Real-time payments offer many benefits across the entire economy if businesses can meet the challenges on the path to adoption. Here's how to navigate them.
- [New metaverse assets create new opportunities for FIs](https://paymentsnext.com/new-metaverse-assets-create-new-opportunities-for-fis/) - Banks can apply their asset and risk management expertise and experience to tgrowing digital asset market – expected to reach a value of $33 billion in 2035.
- [Payments software dooms incumbent processors](https://paymentsnext.com/payments-software-dooms-incumbent-processors/) - Software is enabling better payments execution and increasing the power of merchants By Rikhil Bajaj, Head of Fintech and Software, Tarsadia Investments When Adyen’s (AMS: ADYEN) stock price declined over 50% in the week following its Aug 17, 2023 earnings announcement, it was symptomatic of a much deeper problem among incumbent processors. Offering relatively similar
- [4 Strategies to accelerate subscription model payments](https://paymentsnext.com/4-strategies-to-accelerate-subscription-model-payments/) - Four make-it-or-break-it payments tips: more payment options, avoid churn with automated payments, and global payments gateways, and manage security risks .
- [AI and AR – Top trends now or coming soon](https://paymentsnext.com/ai-and-ar-top-trends-now-or-coming-soon/) - Collaborative payment portals are the best way to reduce the challenges associated with disputes and increase the velocity to cash in accounts receivable.
- [Why prioritizing faster payments is crucial for your digital transformation checklist](https://paymentsnext.com/why-prioritizing-faster-payments-is-crucial-for-your-digital-transformation-checklist/) - Many corporations lag the technological curve, missing opportunities for a competitive advantage. Updating banking and payment methods is a fast way to start.
- [5 reasons secure business payments must be a priority](https://paymentsnext.com/5-reasons-secure-business-payments-must-be-a-priority/) - It's time for companies to make B2B payment security a priority as risks rise. Below are five reasons this is a bigger problem for your business than you think.
- [Enhancing lending efficiency: How digital disbursements benefit borrowers and lenders](https://paymentsnext.com/enhancing-lending-efficiency-how-digital-disbursements-benefit-borrowers-and-lenders/) - When low-income individuals start businesses, the first hurdle is securing a loan. The second is getting loan payments disbursed quickly and safely.
- [Fighting friendly fraud without sacrificing customer experience ](https://paymentsnext.com/fighting-friendly-fraud-without-sacrificing-customer-experience/) - Instead of making customers jump through hoops placing orders or product returns, consider best practices for fighting friendly fraud without hurting your CX.
- [Payment Processing: Embedded vs Non-Embedded](https://paymentsnext.com/payment-processing-embedded-vs-non-embedded/) - Embedded payment processors provide a seamless, efficient checkout. Here are 6 ways they simplify workflows and provide a better customer experience.
- [Optimizing payments to grow across borders](https://paymentsnext.com/optimizing-payments-to-grow-across-borders/) - Businesses that sell across borders pay $30-45 billion annually in transaction charges. Optimizing cross-border payments can reduce costs and increase profits.
- [While AI changes the world, why is data reconciliation stuck in the ‘90s?](https://paymentsnext.com/while-ai-changes-the-world-why-is-data-reconciliation-stuck-in-the-90s/) - Bob Kaufman explores the benefits of integrated, comprehensive payment systems in overcoming barriers to efficiency and its transformative impact on businesses.
- [Innovate or get left behind: What traditional banks can learn from the fintech revolution](https://paymentsnext.com/innovate-or-get-left-behind-what-traditional-banks-can-learn-from-the-fintech-revolution/) - Neo-banks, fintechs and big tech have reshaped the payments space, fueling innovation while steadily chipping away at a vital profit pool for traditional banks.
- [Preparing for friendly fraud in an era of record debt](https://paymentsnext.com/preparing-for-friendly-fraud-in-an-era-of-record-debt/) - During tight times, some consumers turn to "friendly fraud" – disputing legitimate purchases on their credit card. What's a merchant to do about chargebacks?
- [PaymentsNEXT Newswire: $15B savings from Credit Card Competition Act, tech payment preferences, MoCaFi, Bottomline, Chargebacks911, Mastercard, Umpqua](https://paymentsnext.com/paymentsnext-newswire-15b-savings-from-credit-card-competition-act-tech-payment-preferences-mocafi-bottomline-chargebacks911-mastercard-umpqua/) - PaymentsNEXT Newswire: $15B savings from Credit Card Competition Act, tech payment preferences, MoCaFi, Bottomline, Chargebacks911, Mastercard, Umpqua
- [Speeding up chargeback resolutions reaps dividends for business, FIs](https://paymentsnext.com/speeding-up-chargeback-resolutions-reaps-dividends-for-business-fis/) - Businesses and FIs must address changing consumer behaviors and reduce chargebacks to lower impact on the bottom line from attrition and transaction costs.
- [E-invoicing and continuous compliance will shape the future of payments](https://paymentsnext.com/e-invoicing-and-continuous-compliance-will-shape-the-future-of-payments/) - E-invoicing has evolved to include tax reporting as part of the process and future payments will be defined by a continuous cycle of real-time compliance.
- [Why shutting-down compliance risks in FI networks is a persistent challenge](https://paymentsnext.com/why-shutting-down-compliance-risks-in-fi-networks-is-a-persistent-challenge/) - Businesses need to be vigilant in shutting down known network risks. But are they? According to a recent report analyzing compliance risk, the answer is no.
- [4 Criteria Critical to Choosing an Embedded Instant Payments Partner](https://paymentsnext.com/4-criteria-critical-to-choosing-an-embedded-instant-payments-partner/) - Today, embedded payments are the new normal. Companies must carefully choose the best partner and roll out services to maximize the upside and minimize risk.
- [Treasurers embrace modern payments, but old methods die hard](https://paymentsnext.com/treasurers-embrace-modern-payments-but-old-methods-die-hard/) - Corporate treasury depts embrace social tokens, real-time payments, virtual cards and other digital innovations, but old payment modes still cling to life.
- [PaymentsNEXT Newswire Apr 28: ConnexPay, Avalara-eBay, Mastercard Start Path, Paysend, Citi Flex Pay, CSI, Quadient, InComm, CareCredit](https://paymentsnext.com/paymentsnext-newswire-apr-28-connexpay-avalara-ebay-mastercard-start-path-paysend-citi-flex-pay-csi-quadient-incomm-carecredit/) - Payouts Network launched push-to-card technology for real-time payments to debit or prepaid cards. Avalra offers a simplified intn'l shipping system and more...
- [Alternative payments are now a mainstream e-commerce preference](https://paymentsnext.com/alternative-payments-are-now-a-mainstream-e-commerce-preference/) - Are alternative payments even “alternative” anymore? Alternative payment options such as digital wallets and BNPLIare now a deal breaker for 55% of consumers.
- [PaymentsNEXT Newswire: April 20, 2023 – SEON, LexisNexis Risk Solutions, Clickatell, Gr4vy, TransUnion, WiX, PayNearMe, DOJ-Nexway, FiVerity, VizyPay](https://paymentsnext.com/paymentsnext-newswire-april-20-2023-seon-lexisnexis-risk-solutions-clickatell-gr4vy-transunion-wix-paynearme-doj-nexway-fiverity-vizypay/) - PaymentsNEXT Newswire Roundup includes news from SEON, LexisNexis Risk Solutions, Clickatell, Gr4vy, TransUnion, WiX, PayNearMe, DOJ-Nexway, FiVerity, VizyPay
- [P2P Payment scams – New developments promise change](https://paymentsnext.com/p2p-payment-scams-new-developments-promise-change/) - The regulatory environment for protecting consumers from P2P payment scams is changing rapidly and payment networks need to work proactively to keep up.
- [How C2B payments can inspire the global B2B payments industry](https://paymentsnext.com/how-c2b-payments-can-inspire-the-global-b2b-payments-industry/) - The technology of B2B payments continues to lag C2B payments, causing cash flow challenges. Global B2B payments will reach $54 trillion in 2023.
- [<strong>SVB’s collapse: Who knew?</strong>](https://paymentsnext.com/svbs-collapse-who-knew/) - The canaries were singing loudly in the fintech coal mine long before SVB collapsed. Who knew? Who acted in advance? W ho caused the fintech banker to topple?
- [Today’s consumers want more from credit card issuers](https://paymentsnext.com/todays-consumers-want-more-from-credit-card-issuers/) - The question of what consumers want from credit card issuers gnaws at card executives, eager to capitalize on growing use of credit in challenging times.
- [New Year’s Resolution: Learn the new language of payments in 2023](https://paymentsnext.com/new-years-resolution-learn-the-new-language-of-payments-in-2023/) - ISO 20022 will provide a common language for payments worldwide, facilitating the seamless cross-border activity required in today’s global digital economy.
- [Visa and Mastercard’s new approach to direct selling explained](https://paymentsnext.com/visa-and-mastercards-new-approach-to-direct-selling-explained/) - How the regulatory environment is changing to protect consumers, and what that means for specialized businesses and merchants.
- [Health, happiness, happy New Year](https://paymentsnext.com/health-happiness-happy-new-year/) - Wishing all a healthy Happy New Year with many happy payments ahead.
- [2023 Payment industry leader predictions – Part 1](https://paymentsnext.com/2023-payment-industry-leader-predictions-part-1/) - It's an understatement to say 2022 was challenging for the payment industry. In seeking predictions about 2023, there's a mix of realism and cautious optimism.
- [2023 Payment industry leader perspectives – Part 2](https://paymentsnext.com/2023-payment-industry-leader-perspectives-part-2/) - While 2023 shapes up as a challenging year for the payment industry, it will not be business as usual. Forget big tech! This year will be about "smart tech."
- [Banking Went Mobile and Isn't Going Back – Here's What You Need to Know](https://paymentsnext.com/banking-went-mobile-and-isnt-going-back-heres-what-you-need-to-know/) - Most people now interact with their banks online and aren't interested in returning to their old in-person, branch-based banking habits. Mobile banking rules.
- [Six ways AP can deliver what vendors really want](https://paymentsnext.com/six-ways-ap-can-deliver-what-vendors-really-want/) - Knowing what vendors need, and the right tools, enable AP teams to effectively deliver services and ensure availability of business-critical goods and supplies.
- [5 Digital Payment Trends for Small Businesses](https://paymentsnext.com/5-digital-payment-trends-for-small-businesses/) - Five digital payment trends for small businesses and why flexibility and customer service are the keys to thriving in 2023 and beyond.
- [Alternative credit data and the future of credit scoring  ](https://paymentsnext.com/alternative-credit-data-and-the-future-of-credit-scoring/) - Almost one-quarter of American adults are underbanked and securing credit often verges on the impossible as far as traditional finance companies are concerned.
- [Are you ready for a rockier economic road?](https://paymentsnext.com/are-you-ready-for-a-rockier-economic-road/) - It's time for payments professionals to help businesses prepare for a turbulent, not-so-distant future. Are you ready to deliver value?
- [The Metaverse: The next growth engine for financial services](https://paymentsnext.com/the-metaverse-the-next-growth-engine-for-financial-services/) - The metaverse is an interactive, immersive and collaborative three-dimensional macrocosm, sparking interest in innovative ways to reshape financial services.
- [Cross-border payments critical to growth if done right](https://paymentsnext.com/cross-border-payments-critical-to-growth-if-done-right/) - Companies can use straightforward strategies to execute their global payouts while maintaining steady vendor and contractor relationships.
- [Bill Pay Experiences Lagging for Young Adults](https://paymentsnext.com/bill-pay-experiences-lagging-for-young-adults/) - Young mobile-savvy adults are having more trouble than their elders in keeping track of their bills, the amount due and making payments on time.
- [Amazon Credit Builder targets credit-challenged consumers](https://paymentsnext.com/amazon-credit-builder-targets-credit-challenged-consumers/) - According to FICO, over 25% of US consumers have a “poor” credit rating thanks to overspending, over lending, and inadequate regulation. That’s more than 43 million Americans with credit scores less than 629 and 14% of the population has no credit rating at all. Another important group with debt are the 42.7 million students who
- [How can merchants get the upside – with no downside – of cross-border payments?](https://paymentsnext.com/how-can-merchants-get-the-upside-with-no-downside-of-cross-border-payments/) - With the right payment orchestration platform and partner, a merchant can support cross-border payment methods quickly and enjoy all of their advantages.
- [Just-in-time supplier e-payment enrollment: Strategy whose time has come](https://paymentsnext.com/just-in-time-supplier-epayment-enrollment-strategy-whose-time-has-come/) - AP teams are racing to digitize their supplier payment processes and using just-in-time supplier enrollment to maximize benefits.
- [Keeping pace with innovation to ensure secure, prompt payments](https://paymentsnext.com/keeping-pace-with-innovation-to-ensure-secure-prompt-payments/) - Future-proofing boils down to phasing out legacy equipment and processes susceptible to risk, and modernizing workflows to address customers' changing needs.
- [Can the US go from lagger to leader in contactless payments?](https://paymentsnext.com/can-the-us-go-from-lagger-to-leader-in-contactless-payments/) - Europe quickly adapted contactless payments, but the US lags in adoption despite the advantages for business and consumers. What's the path forward in the US?.
- [Future-proofing payments: Configurability beats customization](https://paymentsnext.com/future-proofing-payments-configurability-beats-customization/) - While most of us think “customized” means best-of-the-best, that doesn’t always hold true for technology solutions, including payments platforms.
- [May 27: PaymentsNEXT global news roundup](https://paymentsnext.com/may-27-paymentsnext-global-news-roundup/) - New EMV contactless specs, faster payments features, zero fraud guarantee for SMBs, passwordless payments push by big tech and a new Visa/Fundbox flex card.
- [TransUnion: Shipping fraud (+780%) led digital fraud growth in 2021](https://paymentsnext.com/transunion-shipping-fraud-780-led-digital-fraud-growth-in-2021/) - According to TransUnion's Global Digital Fraud Trends Report, fraudsters are finding new ways to scam merchants and consumers, leading to a new growth industry.
- [PaymentsNEXT: April 27 Global payments news roundup](https://paymentsnext.com/april-27-global-payments-news-roundup/) - A quick global roundup of payments news with a new Mastercard-Microsoft ID tie-up, Visa spending jump, digital wallets growth, the future of payments and more.
- [Five ways small businesses can fight back against inflation](https://paymentsnext.com/five-ways-small-businesses-can-fight-back-against-inflation/) - With inflation at 8.5%, its highest rate in 40 years, small businesses across the country are feeling the ripple effects.
- [Why Tax Plays a Critical Role in Payments](https://paymentsnext.com/why-tax-plays-a-critical-role-in-payments/) - Tax is attached to nearly every payment, but the complex and changing nature of tax makes the role it plays in calculating payments critical to business.
- [Younger UK bank customers want more "green" from FIs](https://paymentsnext.com/younger-uk-bank-customers-want-more-green-from-fis/) - New research from Tink shows young UK bank customers want their FIs to demonstrate stronger environmental credentials and many will switch for greener options.
- [US identity fraud losses spiral to $52 billion](https://paymentsnext.com/us-identity-fraud-losses-spiral-to-52-billion/) - Identity theft and hijacking of victims’ online lives cost $52 billion according to new research with identity scams costing an average of $1029 per victim.
- [Contactless Payment Trends We're Watching Now for 2022](https://paymentsnext.com/contactless-payment-trends-were-watching-now-for-2022/) - Businesses must offer contactless options at the point of sale to compete, including NFC-enabled terminals to support mobile wallets or scannable QR codes.
- [Why fintech is a fundamental addition to Community Banks](https://paymentsnext.com/why-fintech-is-a-fundamental-addition-to-community-banks/) - Community banks should partner with fintech platforms to ensure they compete in this new digital-first era while providing much-needed local banking services..
- [Amazon settles Visa fee spat; US merchants challenge fees](https://paymentsnext.com/amazon-settles-visa-fee-spat-us-merchants-challenge-fees/) - While Amazon and Visa settled a UK dispute over credit card processing fees, US merchants lobbied legislators to reduce impact of credit card processing fees.
- [Feb 14 Global payments news roundup](https://paymentsnext.com/feb-14-global-payments-news-roundup/) - A busy day and busy week for global payments news in this roundup from PaymentsNEXT. US e-commerce jumped 14.2% in 2021 and Valentines Day spending ahead.
- [Outlook for digital payments is bright for 2022](https://paymentsnext.com/outlook-for-digital-payments-is-bright-for-2022/) - It wasn’t until the COVID pandemic that digital payment solutions quickly became a “need to have” by offering online, mobile, and contactless payment options
- [Feb 8 Global payments news roundup](https://paymentsnext.com/feb-8-global-payments-news-roundup-2/) - Global payments news we're keeping an eye on: one-click payments, BOPA delivery, bank APIs and future fintech partnerships, and fraud keeps growing.
- [New account bots swamp PayPal with 4.5 million phony accounts](https://paymentsnext.com/new-account-bots-swamp-paypal-with-4-5-million-phony-accounts/) - PayPal disclosed fraudsters swamped the company with an estimated 4.5 million new phony accounts created by bot farms seeking $10 account opening incentives.
- [3 trends driving the digital identity market in 2022](https://paymentsnext.com/3-trends-driving-the-digital-identity-market-in-2022/) - In the mobile-centric world, digital identification is becoming a powerful tool to enable safer and more secure transactions and digital interactions.
- [Jan 16 Global payments news roundup](https://paymentsnext.com/jan-16-global-payments-news-roundup/) - Payment industry leaders are gearing up for a year of continued growth, a competitive and challenging business environment, and a few unknowns in 2022.
- [Digital payments in 2022 need parallel payments data revolution](https://paymentsnext.com/digital-payments-in-2022-need-parallel-payments-data-revolution/) - A parallel payments data revolution is needed in 2022, for better fraud prevention, global expansion, and improved compliance with new reporting requirements.
- [Dec 22: Global payments news roundup](https://paymentsnext.com/dec-22-global-payments-news-roundup/) - Our final payments news roundup covers $400 billion in fraud, a Zelle challenger, Amazon-UK BNPL, CFPB payments probe, gift card sales +114%, and much more.
- [Payment industry leader predictions for 2022 - Pt 2](https://paymentsnext.com/payment-industry-leader-predictions-for-2022-pt-2/) - 2022 is shaping up to be a year of seismic change in the payments business following a “crash course” in fintech innovation and fraud in 2021.
- [Payment industry leader predictions for 2022 - Pt 1](https://paymentsnext.com/payment-industry-leader-predictions-for-2022-pt-1/) - Is this the end of fintech as we know it? Payment industry and fintech leaders predict what's next and why payments will look very different in 2022.
- [Modern banking and the opportunity in upgrading digital ID](https://paymentsnext.com/modern-banking-and-the-opportunity-in-upgrading-digital-id/) - Trusted and verified participant identification is core to any financial transaction but current they're laborious, costly, fractured, and ripe for abuse.
- [Black Friday payment perspectives: Sales down, supply chain challenges up](https://paymentsnext.com/black-friday-payment-perspectives-sales-down-supply-chain-challenges-up/) - Thanksgiving shoppers spent an average of $301.27 on holiday-related purchases such as gifts, décor, apparel and toys. This is down 3.4% from $311.75 in 2020.
- [Alternate delivery service cuts costs for sellers & shoppers](https://paymentsnext.com/alternate-delivery-service-cuts-costs-for-sellers-shoppers/) - Next-gen delivery service Via.Delivery launched its new delivery service technology platform with more than 20,000 new alternate delivery and pick-up locations.
- [Why prepaid cards—not checks—are the future of rewards and disbursements](https://paymentsnext.com/why-prepaid-cards-not-checks-are-the-future-of-rewards-and-disbursements/) - Offering better flexibility and efficiencies than checks and other outdated options, prepaid cards can save money, reach more people and provide versatility.
- [Alternate payment methods building business revenue faster](https://paymentsnext.com/alternate-payment-methods-building-business-revenue-faster/) - As cross-border business grows, alternate payment methods (APMs) are bringing new customers and new revenue despite implementation challenges for merchants.
- [Virtual cards, faster repayments, easy use top corporate payment acceptance priorities](https://paymentsnext.com/virtual-cards-faster-repayments-easy-use-top-corporate-payment-acceptance-priorities/) - New research by Invoiced found virtual cards, faster repayments, and easier use among top priorities for B2B professionals looking for payment-flow improvement.
- [Data of 7 million Robinhood customers breached by hackers](https://paymentsnext.com/data-of-7-million-robinhood-customers-breached-by-hackers/) - The same day US DOJ officials High-fived their success charging two ransomware hackers, Robinhood revealed intruders breached the data of millions of customers.
- [DOJ charges global ransomware attackers, recovers millions](https://paymentsnext.com/doj-charges-global-ransomware-attackers-recovers-millions/) - The US DOJ released criminal indictments against several global ransomware attackers and recovered millions of dollars in proceeds from the cybercrime.
- [B2B payments: What got you here won’t get you there](https://paymentsnext.com/b2b-payments-what-got-you-here-wont-get-you-there/) - With B2B payments, what worked great yesterday for organizations probably won’t today...and certainly won’t tomorrow and that includes paper checks and USPS.
- [Nov 1 Global payments news roundup & what's trending](https://paymentsnext.com/nov-1-global-payments-news-roundup-whats-trending/) - Good Monday morning. Here's what's trending in the global payments news and what you need to know as the week gets underway.
- [Hidden costs of paying US household bills jumped 37% in 2021](https://paymentsnext.com/hidden-costs-of-paying-us-household-bills-jumped-37-in-2021/) - US households spent more than $4.4 trillion on household bill payments in 2020, but hidden costs of paying bills soared 37.6% to $119 billion from $74 billion..
- [Oct 15 Global payments news roundup & what's trending](https://paymentsnext.com/oct-15-global-payments-news-roundup-whats-trending/) - Payments news includes UK contactless card limit increases, ACI's Fraud Index, state of European checkouts, PayPal LatAme, EU checkout friction, and much more.
- [The Case for Cash: 3 Reasons Why Digitizing Cash for Bill Pay Makes Business Sense](https://paymentsnext.com/the-case-for-cash-3-reasons-why-digitizing-cash-for-bill-pay-makes-business-sense/) - As the payments industry evolves, technologies to support cash payers must also change, improve, and evolves to stay relevant to consumers.
- [Financial fraud ramps up as holiday shopping season looms](https://paymentsnext.com/financial-fraud-ramps-up-as-holiday-shopping-season-looms/) - In its latest report, financial crime management platform Feedzai said financial fraud grew 23% in Q2 2021 based on data from 1.5 billion global transactions.
- [How new services bring global banking closer to small businesses](https://paymentsnext.com/how-new-services-bring-global-banking-closer-to-small-businesses/) - SMBs buy services and accept client payments in new markets internationally but it's challenging and costly to get access to international banking services.
- [Key payment industry conferences resume face-to-face](https://paymentsnext.com/key-payment-industry-conferences-resume-face-to-face/) - The critical fall payment industry conference season for 2021 is back in action with virtual conferences as well as a welcome return to in-person attendance.
- [Forter forecasts increased online fraud for holiday season](https://paymentsnext.com/forter-forecasts-increased-online-fraud-for-holiday-season/) - By Douglas Hall, Publisher, PaymentsNEXT E-commerce fraud prevention leader Forter released its ninth Fraud Attack Index, providing in-depth insight into the impact of COVID-19 on online buyer behavior and e-commerce fraud trends. Key among its findings were a five times growth in new online account openings accompanied by an increase in false declines, and a
- [US small business Covid-19 payment perspectives](https://paymentsnext.com/us-small-business-covid-19-payment-perspectives/) - Small businesses are still finding their way through the minefield of economic recovery according to a new report from The Strawhecker Group.
- [Chargebacks: All about the direct and hidden costs to business](https://paymentsnext.com/chargebacks-all-about-the-direct-and-hidden-costs-to-business/) - By Douglas Hall, Publisher, PaymentsNEXT As if shopping cart abandonment, false credit card declines, and the pandemic aren’t causing enough problems for retailers and online sellers, chargebacks continue to be a pain in the profits. In fact, Chargebacks.com estimates for every $100 in chargebacks, the true cost is $240 in wasted time, expensive fees, penalties, or additional
- [What new EU AML initiatives mean for money laundering fight](https://paymentsnext.com/what-new-eu-aml-initiatives-mean-for-money-laundering-fight/) - The EU has put forth a new set of reforms designed to strengthen existing anti-money laundering (AML) and countering terrorism financing (CTF) regulations
- [Global CNP fraud hits 13% with costs to merchants rising fast](https://paymentsnext.com/global-cnp-fraud-hits-13-with-costs-to-merchants-rising-fast/) - A research study by global payments provider Vesta shows that from 10% to as many as 13% of card-not-present (CNP), online transactions may be fraudulent.
- [Affirm plans debit card with buy now pay later feature](https://paymentsnext.com/affirm-plans-debit-card-with-buy-now-pay-later-feature/) - The global $400 billion-plus buy now, pay later market is heating up fast, leading to interesting new features and competitive positioning by market leaders.
- [Splitit opens BNPL access to 9 billion UnionPay cardholders](https://paymentsnext.com/splitit-opens-bnpl-access-to-9-billion-unionpay-cardholders/) - UnionPay will integrate Splitit, making its BNPL service available to its 9 billion credit cardholders and more than 55 million merchants accepting UnionPay.
- [Aug 31 Global payments news roundup](https://paymentsnext.com/aug-31-global-payments-news-roundup/) - A roundup of the latest global payments news including the big dogs Amazon and Affirm tying up in a BNPL deal, South Korea and China crunch fintechs and more...
- [Who's your backup payment processor in an outage?](https://paymentsnext.com/whos-your-backup-payment-processor-in-an-outage/) - Four days ago, global payment processor TSYS platform went offline, and merchants and ISOs are still waiting for an explanation.
- [Aug 23 Global payments news roundup: Focus on fraud](https://paymentsnext.com/aug-23-global-payments-news-roundup-focus-on-fraud/) - Focused on fraud: The latest stats, trends in global e-commerce fraud, solutions, chargebacks, and more. If you’re following fraud, dive in for the latest news.
- [August 18: PaymentsNEXT Global payment news roundup](https://paymentsnext.com/august-18-paymentsnext-global-payment-news-roundup/) - PayPal cancels BNPL late fees, Paysafe acquires SafetyPay for $441 million, record VC fintech investment of $98 billion, automated fraud, and much more.
- [Aug 11 Global payments news roundup](https://paymentsnext.com/aug-11-global-payments-news-roundup/) - Merchants and Amazon up their efforts to get lower credit card fees. BNPL is gaining status and money and mobile commerce will hit $750 billion by 2025.
- [Real-time business payments in Canada take a giant step](https://paymentsnext.com/real-time-business-payments-in-canada-take-a-giant-step/) - Interac Corp and 13 leading Canadian banks launched Interac e-Transfer for Business, providing real-time digital business payments within seconds.
- [Payment security, CAPTCHAs, and more than meets the AI](https://paymentsnext.com/payment-security-captchas-and-more-than-meets-the-ai/) - If you're like the average person online, you should be able to resolve most CAPTCHAs in 10 seconds. But there are some CAPTCHAs even Einstein couldn't solve.
- [BNPL heats up with Visa, Apple, PayPal, Discover initiatives](https://paymentsnext.com/bnpl-heats-up-with-visa-apple-paypal-discover-initiatives/) - The world's biggest payment players are paying close attention to BNPL and mapping out their future market positioning through partnerships and acquisitions.
- [Could US unemployment payment fraud tsunami hit $100 billion-plus?](https://paymentsnext.com/could-us-unemployment-payment-fraud-tsunami-hit-100-billion-plus/) - The scale of US unemployment fraud is so massive it could reach a potential $100 billion-plus cost by the time it's all added up at the end of the year.
- [Report: Guess where the fastest-growing mobile wallets are?](https://paymentsnext.com/report-guess-where-the-fastest-growing-mobile-wallets-are/) - New research from Boku predicts 60% of the world’s population will use a mobile wallet by 2025 – that’s 4.8 billion mobile wallets. North America/EU will lag.
- [Mind the gap: AR dept modernization is more talk than walk](https://paymentsnext.com/mind-the-gap-ar-dept-modernization-is-more-talk-than-walk/) - New research from Billtrust shows there may be a lot more talk than walk when it comes to modernization in today’s accounts receivable departments.
- [Failed payments cost global businesses $118.5 billion in 2020](https://paymentsnext.com/failed-payments-cost-global-businesses-118-5-billion-in-2020/) - New research offers a staggering look at the real costs of failed payments and the key reasons for most failed payments – a cost of $118.5 billion in 2020.
- [July 24 - Global payments news roundup](https://paymentsnext.com/july-24-global-payments-news-roundup/) - After wrestling with alligators and hosting issues, we’re back with the latest payments news from around the world. Lots going on, so check it out.
- [July 2 global payments news roundup](https://paymentsnext.com/july-2-global-payments-news-roundup/) - Branson and Bezos may be fighting to be the first to circle the globe, but we're here first with the out-of-this-world global payments news you need to know.
- [Cash flow constrictions cramping small business growth](https://paymentsnext.com/cash-flow-constrictions-cramping-small-business-growth/) - 60% of small businesses suffer cash flow issues at some point, so it’s no surprise 89% say cash flow issues negatively impact their business in critical ways.
- [Research: What consumers say about bill payments? Fail](https://paymentsnext.com/research-what-consumers-say-about-bill-payments-fail/) - A new bill payment study shows US consumers struggling with cumbersome bill pay processes and wanting easier bill payments more like their one-click shopping.
- [Consumers in hardship programs continued payments during Covid](https://paymentsnext.com/consumers-in-hardship-programs-continued-payments-during-covid/) - New TransUnion research shows most consumers diligently made payments despite their hardships during the pandemic, an encouraging sign for the future.
- [Baidu's autonomous robotaxi service is live in Beijing](https://paymentsnext.com/baidus-autonomous-robotaxi-service-is-live-in-beijing/) - Think about the complex layer of driverless technology, mapping, safety, healthtech, and fintech under the hood as you're enjoying your robotaxi ride.
- [What's behind PayPal's new US payment pricing strategy?](https://paymentsnext.com/whats-behind-paypals-new-us-payment-pricing-strategy/) - PayPal's new payment pricing strategy attracted a lot of attention, with $21.4 billion in revenue in 2020 and $936 billion (+31.5%) in transactions processed.
- [New Dwolla low-code API integration saves time, money](https://paymentsnext.com/new-dwolla-low-code-api-integration-saves-time-money/) - Dwolla announced new Drop-In Components that reduce payments integration by thousands of lines of code, dramatically shortening API integration for developers.
- [WEX adds new cross-border & payments automation partnerships](https://paymentsnext.com/wex-adds-new-cross-border-payments-automation-partnerships/) - Global B2B payments will hit $63 billion by 2026, while global AP automation sales will reach $3.1 billion by 2024, creating new opportunities for fintechs.
- [Biggest password leak ever - 8.4 billion passwords](https://paymentsnext.com/biggest-password-leak-ever-8-4-billion-passwords/) - It's the largest stolen password collection of all time, 8.4 billion of them. And, it was leaked on one of the world's most popular hacker forums.
- [Quick take: SE Asia’s e-commerce goldrush](https://paymentsnext.com/quick-take-se-asias-e-commerce-goldrush/) - The SE Asian economies were supercharged and grew fast pre-pandemic. A new report from PPRO suggests these Asian economies are ready to rock ‘n roll in 2021.
- [Shoppers can pay bills in cash at any Walmart MoneyCenter](https://paymentsnext.com/shoppers-can-pay-bills-in-cash-at-any-walmart-moneycenter/) - PayNearMe will enable millions of Walmart shoppers to pay their bills with cash by displaying a scannable code on their mobile phones at any Walmart stores.
- [Visa & Goldman Sachs take big step in B2B cross-border payments](https://paymentsnext.com/visa-goldman-sachs-take-big-step-in-b2b-cross-border-payments/) - Goldman Sachs will use Visa’s global payments solutions to help commercial bank clients simplify the complex, slow, and expensive cross-border payments process.
- [Ant Group’s record $34 billion IPO will be world’s largest [Update: suspended by regulators]](https://paymentsnext.com/ant-groups-record-34-billion-ipo-will-be-worlds-largest/) - By Jeff Domansky, October 27, 2020 When you take off your US-centric payments industry sunglasses and look across the Pacific Ocean, you see the impact of mobile, the growing financial power of China, and the huge growth in consumer spending as China’s middle class wields its spending power. That’s why the imminent $34+ billion IPO
- [Are voice payments ready to find their voice?](https://paymentsnext.com/are-voice-payments-ready-to-find-their-voice/) - New developments and improvements in voice technology are already driving customer service, bot automation, and investments in the banking and payments world.
- [Home Depot Canada scrambles to quickly repair customer data breach](https://paymentsnext.com/home-depot-canada-scrambles-to-quickly-repair-customer-data-breach/) - Home Depot Canada mistakenly emailed an undetermined number of existing customers' data purchase confirmation info to hundreds of other Canadian customers.
- [US DOJ blocks Visa’s $5.3 billion acquisition of fintech Plaid [Updated]](https://paymentsnext.com/us-doj-blocks-visas-5-3-billion-acquisition-of-fintech-plaid/) - Late yesterday Visa issued the following statement in response to the US DOJ lawsuit opposing and blocking the acquisition of Plaid.
- [Nov 6: Global payments news roundup](https://paymentsnext.com/nov-6-global-payments-news-roundup/) - Here’s a fresh news roundup to keep you informed on the latest developments in the global payment business. Ready to run?
- [Will cash crash or make a comeback post-pandemic?](https://paymentsnext.com/will-cash-crash-or-make-a-comeback-post-pandemic/) - Recent data from Lithuanian and UK cross-border payments provider Wallter.com shows three unmistakable payments trends in response to the COVID-19 crisis.
- [Visa CEO Kelly sees payments industry relief on the horizon](https://paymentsnext.com/visa-ceo-kelly-sees-payments-industry-relief-on-the-horizon/) - Highlights from Squawk Alley anchor Carl Quintanilla’s Nov 10 CNBC Evolve Summit interview with Visa Chairman and CEO Alf Kelly.
- [Singles Day blows by last year’s record sales](https://paymentsnext.com/singles-day-blows-by-last-years-record-sales/) - Alibaba’s Amazon Prime-like Singles Day sales extravaganza wrapped up with record sales of more than $74.1 billion, nearly double last year’s record $38B.
- [Uber and EBANX partner in payments with Pix in Brazil](https://paymentsnext.com/uber-and-ebanx-partner-in-payments-with-pix-in-brazil/) - ber and Latin American fintech EBANX have launched an exclusive payments partnership for processing Brazil’s new instant payments system Pix.
- [PayPal employees will get on-demand pay and Even financial wellness tools](https://paymentsnext.com/paypal-employees-will-get-on-demand-pay-and-even-financial-wellness-tools/) - PayPal will offer its US employees access to an early-pay service and other financial wellness tools in a partnership with Even.
- [Cash-free payments score touchdown at Super Bowl LV](https://paymentsnext.com/cash-free-payments-score-touchdown-at-super-bowl-lv/) - There will be full contact on the field, but football fans at Super Bowl LV in February 2021, will buy refreshments and souvenirs 100% cash-free.
- [Visa launches B2B virtual payment solutions, savings & tools](https://paymentsnext.com/visa-launches-b2b-virtual-payment-solutions-savings-tools/) - Visa and Conferma Pay, announced a strategic partnership to launch Visa Commercial Pay, a suite of B2B payment solutions designed to improve business cash flow.
- [AvidXchange research sees potential economic recovery ahead](https://paymentsnext.com/avidxchange-research-sees-potential-economic-recovery-ahead/) - Data from more than 12 million payments processed by AvidPay Network shows middle-market spending is recovering to a positive trajectory after struggling.
- [This year, Black Friday sales matter](https://paymentsnext.com/this-year-black-friday-sales-matter/) - Retailers and other online sellers have their fingers crossed for a mega Black Friday sales launch leading into the all-important holiday shopping season.
- [US online shoppers spent record $9 billion+ on Black Friday](https://paymentsnext.com/us-online-shoppers-spent-record-9-billion-on-black-friday/) - Initial results show US consumers shopped from their couches with a vengeance, racking up more than $9 billion in Black Friday purchases online.
- [Just another $10.8 billion sales record for Cyber Monday](https://paymentsnext.com/just-another-10-8-billion-sales-record-for-cyber-monday/) - Cyber Monday was another roaring e-commerce success with sales reaching an estimated $10.8 billion according to Adobe Analytics, up 15.1% from last year.
- [Avast: Beware porch pirates during the holiday delivery season](https://paymentsnext.com/avast-beware-porch-pirates-during-the-holiday-delivery-season/) - Porch pirates are preying on online shoppers and stealing as many as 17 million packages from consumer porches and verandas since the start of the pandemic.
- [The hidden cost of digital payments](https://paymentsnext.com/the-hidden-cost-of-digital-payments/) - As with their cash counterparts, inefficiencies and avoidable costs in digital payments erode the bottom line as quickly as they do their cash counterparts.
- [Fragile restaurant recovery slides back to 50% of pre-pandemic level](https://paymentsnext.com/fragile-restaurant-recovery-slides-back-to-50-of-pre-pandemic-level/) - The restaurant industry is struggling for its life, and new research shows the fragile, slow recovery through October has now slipped backward in November.
- [Payment industry leader predictions for 2021](https://paymentsnext.com/payment-industry-leader-predictions-for-2021/) - We reached out to payments industry leaders who pivoted and innovated during the pandemic for their perspectives and predictions for the industry in 2021.
- [85% of US small businesses need support to survive next six months](https://paymentsnext.com/85-of-us-small-businesses-need-support-to-survive-next-six-months/) - 85% of US small businesses say they need support and an average of $110,000 in government relief funds now to survive to June 2021.
- [It’s beginning to feel a lot like e-commerce, fraudsters & returns](https://paymentsnext.com/its-beginning-to-feel-a-lot-like-e-commerce-fraudsters-returns/) - It’s beginning to feel a lot like Christmas and that means last-minute shopping, more fraud, potential delivery delays, and a record number of gifts.
- [3 predictions for B2B payments: Where next for ACH credit transactions?](https://paymentsnext.com/three-predictions-for-b2b-payments-where-next-for-ach-credit-transactions/) - Statistics point to a rapid rise in the adoption of digital payments but ACH credit transactions have taken over as the top choice for B2B payments.
- [Alipay and Visa: When titans redefine payments](https://paymentsnext.com/alipay-and-visa-when-titans-redefine-payments/) - Alipay showed how to merge e-commerce with payments and obliterate perceived boundaries between payments and sophisticated financial functions in any vertical.
- [Pandemic pushes dynamic e-commerce growth ahead in SE Asia](https://paymentsnext.com/pandemic-pushes-dynamic-e-commerce-growth-ahead-in-se-asia/) - A new PPRO report shows the region’s e-commerce growth even eclipses the more developed marketplaces during the COVID-19 crisis.
- [2020 year-end global payments news roundup](https://paymentsnext.com/2020-year-end-global-payments-news-roundup/) - As 2020 fades into the rearview mirror, we’ve got a last look at a year notable for the stories of struggle, resilience, and survival in the payments world.
- [False declines cost merchants $20.3 billion](https://paymentsnext.com/false-declines-cost-merchants-20-3-billion/) - New research from Checkout.com and Oxford Economics shows disconnected payments cost merchants more than $20.3 billion in US, UK, France, & Germany last year.
- [Bill pay problems? How automation can help](https://paymentsnext.com/bill-pay-problems-how-automation-can-help/) - PayNearMe's John Minor looks at five ways automation can solve payment problems and ensure smoother transactions for every business.
- [Buy now pay later for billion-dollar elective healthcare market](https://paymentsnext.com/buy-now-pay-later-for-billion-dollar-elective-healthcare-market/) - PrimaHealth Credit launched a Buy Now Pay Later (BNPL) payment plan specifically designed for credit-challenged patients seeking elective healthcare treatments.
- [Shopify shutters Trump online stores](https://paymentsnext.com/shopify-shutters-trump-online-stores/) - Shopify closed two Trump brand stores on its e-commerce platform yesterday in response to the Wednesday violence at the Capitol building in Washington, DC.
- [Stripe stops payment processing for Trump campaign](https://paymentsnext.com/stripe-stops-payment-processing-for-trump-campaign-website/) - Stripe announced it will no longer process payments for the Trump campaign website and fundraising after last week’s riots at the Capitol building in DC.
- [Payments in 2021: What's ahead after the digital boom](https://paymentsnext.com/payments-in-2021-whats-ahead-after-the-digital-boom/) - Years of transformation happened in just a few months with rapid shifts in consumer behaviors and merchant expectations for e-commerce during the pandemic.
- [Attention Walmart customers: Fintech on aisle five](https://paymentsnext.com/attention-walmart-customers-fintech-on-aisle-five/) - Walmart announced a new fintech startup that could soon offer its 265 million weekly customers a basket of fresh new financial products.
- [Shocking cost of lost business from false customer declines](https://paymentsnext.com/shocking-cost-of-lost-business-from-false-customer-declines/) - Merchants are losing billions in missed opportunities as they struggle to balance the growing incidence of fraud with false declines of good customers
- [The inspiration of Martin Luther King](https://paymentsnext.com/the-inspiration-of-martin-luther-king/) - US residents and other thoughtful citizens around the world celebrate Martin Luther King Jr (MLK) Day today in honor of his inspirational leadership.
- [NRF: holiday sales up 8.3% despite pandemic; some in survival mode](https://paymentsnext.com/nrf-holiday-sales-up-8-3-despite-pandemic-some-in-survival-mode/) - The National Retail Federation (NRF) said US holiday retail sales were 8.3% higher in Nov-Dec 2020 than last year, despite the impact of the pandemic.
- [Greenwood digital bank will serve Black & Latinx community](https://paymentsnext.com/greenwood-digital-bank-will-serve-black-latinx-community/) - Greenwood is building financial services for the Black and Latinx community in homage to the “Greenwood District” - the famed “Black Wall Street” of Tulsa, OK.
- [12 billion records stolen last year; cybersecurity spend will grow +10%](https://paymentsnext.com/12-billion-records-stolen-last-year-cybersecurity-spend-will-grow-10/) - With new threats emerging and the number of attacks growing, global cybersecurity spending is expected to rise 10% in 2021, according to Canalys.
- [Global payments news roundup: Cybersecurity, false declines, digital wallet growth, Q4 VC funding, 2021 trends, real-time payments, more…](https://paymentsnext.com/global-payments-news-roundup-cybersecurity-false-declines-digital-wallet-growth-q4-vc-funding-2021-trends-real-time-payments-more/) - With a new US administration, there’s much payment news and many new developments in the payments industry, and highlights to keep you up to speed.
- [Research: Consumers love their mobile check deposits](https://paymentsnext.com/research-consumers-love-their-mobile-check-deposits/) - US bank customers didn't seem to miss lineups at their local bank. In the first 10 months of the pandemic, 42% used mobile deposits for the first time.
- [Earned Wage Access companies tackle CA consumer regulation](https://paymentsnext.com/earned-wage-access-companies-tackle-ca-consumer-regulation/) - Earned Wage Access (EWA) or on-demand pay services for employees has grown quickly, particularly during the COVID pandemic.
- [Contactless payments are here to stay for merchants & consumers](https://paymentsnext.com/contactless-payments-are-here-to-stay-for-merchants-consumers/) - Contactless payments are tsunami size. The latest Visa Back to Business Study shows just how far and fast adoption has occurred by merchants and consumers.
- [Amazon record earnings rock the e-commerce world](https://paymentsnext.com/amazon-record-earnings-rock-the-e-commerce-world/) - Record Q4 2020 earnings report for Amazon crossed the $100 billion level for the first time, and founder Jeff Bezos decides to step down as CEO.
- [Record: PayPal’s big, no VERY BIG year](https://paymentsnext.com/record-paypals-big-no-very-big-year/) - PayPal just ran the table with impressive Q4 and 2020 financials during a year when the pandemic hit many other businesses hard.
- [Super Bowl weekend, masks, and contactless payments](https://paymentsnext.com/super-bowl-weekend-masks-and-contactless-payments/) - Kickoff is just a couple of days away for Super Bowl LV, where facemasks of a different kind will proliferate in the stands along with contactless payments.
- [Real-time tax compliance will change payments dramatically](https://paymentsnext.com/real-time-tax-compliance-will-change-payments-dramatically/) - While some tax authorities are years ahead when it comes to faster tax collection, the future will be defined by near-real-time tax compliance.
- [67% of investors trust robots more than human advisors](https://paymentsnext.com/67-of-investors-trust-robots-more-than-human-advisors/) - By Jeff Domansky, Feb 10, 2021 As someone who writes about payments, finance, and fintech, a new research report from Oracle caught my eye and jarred my not-so-artificial intelligence. Oracle’s research team surveyed 9,001 global consumers and business leaders from 14 countries about their attitudes and behaviors towards money, finances, budgets, and the role and As someone who writes about payments, finance, and fintech, a new research report from Oracle caught my eye and jarred my not-so-artificial intelligence.
- [Uber bellies up to alcohol delivery firm Drizly](https://paymentsnext.com/uber-bellies-up-to-alcohol-delivery-firm-drizly/) - By Jeff Domansky, Feb 11, 2021 Uber really does want to be all things to all people. As part of its growth strategy, last week it purchased Boston-headquartered alcohol delivery firm Drizly for $1.1 billion in cash and shares. At first glance, it looks like a perfect fit for both companies. Drizly gets access to
- [How have payments changed in the past 10 months?](https://paymentsnext.com/how-have-payments-changed-in-the-past-10-months/) - We’ve got a roundup of expert perspectives on how payments changed in 2020 and what’s on the horizon for e-commerce and brick-and-mortar merchants.
- [7 payments industry trend-charts worth a look](https://paymentsnext.com/7-payments-industry-trend-charts-worth-a-look/) - Here are seven recent payments industry and e-commerce trend charts worth a second look. Pictures are worth a thousand words.
- [Changes brewing for retailers at point-of-sale](https://paymentsnext.com/changes-brewing-for-retailers-at-point-of-sale/) - Merchants look ready to invest in new payment capabilities and solutions to meet new business challenges in 2021.
- [How universities are fighting payments fraud](https://paymentsnext.com/how-universities-are-fighting-payments-fraud/) - By Jeff Domansky, Feb 22, 2021 When it comes to fraud, universities are just one more appealing target for cybercriminals. Like many businesses, universities are taking proactive measures to prevent B2B fraud, and they’re looking to digital identity platforms and automation to reduce their vulnerability to attack dramatically12 minutes and editing. Like the recent Florida
- [UK fintechs fight to retain market leadership](https://paymentsnext.com/uk-fintechs-fight-to-retain-market-leadership/) - The UK fintech business is big for a midsize nation. It contributes $15.6 billion to the UK economy annually and holds around 10% of the global fintech market.
- [A Bank for Squares? Dorsey Says Definitely](https://paymentsnext.com/a-bank-for-squares-dorsey-says-definitely/) - Payment services company Square Inc officially launched its bank yesterday called Square Financial Services – aimed at underserved bank customers.
- [Payment, Non-bank Lenders Loan More Than Traditional Banks](https://paymentsnext.com/payment-non-bank-lenders-loaned-more-than-traditional-banks/) - When it comes to business loans, non-bank lenders have jumped out ahead of traditional banks as the fintech revolution disrupts the financial services industry.
- [$1400 stimulus check won't cover one month of bills](https://paymentsnext.com/1400-stimulus-check-wont-cover-one-month-of-bills/) - As the US Congress gets ready to finalize the newest stimulus package, a new report from doxo shows the relief will last just 22 days in many cases.
- [Online transactions soared in 2020, fraud skyrocketed too](https://paymentsnext.com/online-transactions-soared-in-2020-fraud-skyrocketed-too/) - Consumers embraced e-commerce and online payments last year while fraudsters high-fived with record purchase scams, impersonation, and account takeover scams.
- [US small business relief can't come fast enough](https://paymentsnext.com/us-small-business-relief-cant-come-fast-enough/) - US Congress passed the Biden $1.9 trillion COVID-19 bill and economic recovery program. Missing in action were Republican votes and the minimum wage to $15.
- [Post-Covid consumer payment & fintech strategies](https://paymentsnext.com/post-covid-consumer-payment-fintech-strategies/) - The payments and fintech world looks very different today after one year of Covid disruption and a perfect storm of challenges and business opportunities.
- [US identity theft jumps as e-commerce grows](https://paymentsnext.com/us-identity-theft-jumps-as-e-commerce-grows/) - New research from Aite Group shows 47% of US consumers experienced financial identity theft (application fraud or account takeover) in the past two years.
- [FICO-free TomoCredit Mastercard launches](https://paymentsnext.com/fico-free-tomocredit-mastercard-launches/) - The new TomoCredit Mastercard could solve the dilemma for millions of consumers unable to get a traditional credit card without a credit history.
- [Stunning Rise of CNP Fraud and How Merchants Can Fight Back](https://paymentsnext.com/stunning-rise-of-cnp-fraud-and-how-merchants-can-fight-back/) - Global losses from payment fraud tripled from 2011 to 2020, and card-not-present (CNP) fraud is proving to be among the most pervasive.
- [Beanworks acquisition highlights payments automation growth](https://paymentsnext.com/beanworks-acquisition-highlights-payments-automation-growth/) - The purchase of automated accounts payable (AP) fintech Beanworks by Quadient is another sign of the growing global market for Accounting automation solutions.
- [Critical pandemic lessons in mobile payment fraud prevention](https://paymentsnext.com/critical-pandemic-lessons-in-mobile-payment-fraud-prevention/) - Here's what we learned about mobile commerce and fraud in 2020 that merchants can use to protect their revenue and their customer data.
- [Walgreens Bank? Coming soon to pharmacies near you](https://paymentsnext.com/walgreens-bank-coming-soon-to-pharmacies-near-you/) - 9,000 new bank branches will open soon in the form of in-store and online financial services courtesy of Walgreens and partners InComm Payments and Mastercard.
- [PropTech: Facilitating payments in property management platforms](https://paymentsnext.com/proptech-facilitating-payments-in-property-management-platforms/) - Owners and managers in property management constantly look for ways to eliminate friction from the payment process for residents and internal teams.
- [PaymentsNEXT roundup: Global payments news highlights](https://paymentsnext.com/paymentsnext-roundup-global-payments-news-highlights/) - Payments industry news roundup: Visa Direct Payouts & crypto payments, Paysafe merger, Walgreens bank, OLB QR codes, TymeBank 3 million customers, & much more.
- [PayPal enables crypto payments at checkout](https://paymentsnext.com/paypal-enables-crypto-payments-at-checkout/) - PayPal's announced a full-fledged launch into cryptocurrency payments in the US with its Checkout by Crypto service, available at millions of merchants.
- [530,000 refunds and a $64 million payments lesson for all](https://paymentsnext.com/530000-refunds-and-a-64-million-payments-lesson-for-all/) - The New York Times broke the story about a desperate recurring payments scam by the Trump 2020 campaign as it struggled in the heat of last fall's election.
- [Dwolla launches real-time payment options for business](https://paymentsnext.com/dwolla-launches-real-time-payment-options-for-business/) - Businesses can now integrate Dwolla's payment API to connect with RTP-enabled financial institutions and send funds within seconds to a bank account.
- [New fraud solution aims to increase approvals for Magento merchants](https://paymentsnext.com/new-fraud-solution-aims-to-increase-approvals-for-magento-merchants/) - False transaction declines are a $430 billion-plus headache for retailers. A new Forter-Adobe collaboration aims to help businesses increase revenue by 2%-3%.
- [Do we need Instacart & DoorDash credit cards?](https://paymentsnext.com/do-we-need-instacart-doordash-credit-cards/) - Grocery delivery app Instacart and restaurant delivery firm DoorDash are both planning to issue credit cards soon. Do we need more credit cards?
- [Covid-19 spending: Mortgages mattered most in US](https://paymentsnext.com/covid-19-spending-mortgages-mattered-most-in-us/) - According to new research, when it comes to consumer spending priorities during Covid 19, mortgages mattered most, followed by car loans and credit cards.
- [How big is our fear of financial fees?](https://paymentsnext.com/how-big-is-our-fear-of-financial-fees/) - It looks like most consumers have a massive fear of financial literacy, according to research from the financial app Cushion.
- [Four Lessons from the Best Fintech Apps](https://paymentsnext.com/four-lessons-from-the-best-fintech-apps/) - With questions about what the fintech industry will do next, especially using mobile technology, the team at CleverTap asked: "What makes a great Fintech app?"
- [Global payments news roundup: Afterpay, Amazon, FIS, Amex, more…](https://paymentsnext.com/global-payments-news-roundup-afterpay-amazon-fis-amex-more/) - Look for buy now pay later news, Amazon palm pay technology, fear of financial fees, the Daily Reopen America Index, Switzerland, Turkey, China, and SE Asia.
- [Are world's most unbanked countries fintech opportunities?](https://paymentsnext.com/are-worlds-most-unbanked-countries-fintech-opportunities/) - Any idea who the world's biggest un-banked countries are? New research by Finbold paints an interesting picture of the largest unbanked populations.
- [Intuit QuickBooks survey: US Small business recovery building momentum](https://paymentsnext.com/intuit-quickbooks-survey-us-small-business-recovery-building-momentum/) - A new report from Intuit QuickBooks by economist Susan Woodward shows US small businesses are on the road to financial recovery from the impact of COVID-19.
- [$4.2 trillion projected for global e-commerce in 2021](https://paymentsnext.com/4-2-trillion-projected-for-global-e-commerce-in-2021/) - New online shopping habits by consumers could ring up $4.2 trillion in e-commerce sales globally this year, an increase of 20% over 2020.
- [Splitit opens new installment payment opportunities for merchants](https://paymentsnext.com/splitit-opens-new-installment-payment-opportunities-for-merchants/) - Splitit Plus is a new service allowing merchants of all sizes to offer payment installments to their customers in minutes using a single, simpler platform.
- [New research: Luggage packed, business travelers raring to go](https://paymentsnext.com/new-research-luggage-packed-business-travelers-raring-to-go/) - Despite the impact, 84% of business travelers are keen to travel with proper pandemic protection including medical insurance and contactless payments.
- [Pandemic fraud & cybercrime hitting banks hard](https://paymentsnext.com/pandemic-fraud-cybercrime-hitting-banks-hard/) - BAE research shows Three-quarters of financial institutions (74%) saw a significant spike in Covid-related fraud and cybercrime in the past 12 months.
- [As technocracy pillages payments, banks must prioritize responsible fintech](https://paymentsnext.com/as-technocracy-pillages-payments-banks-must-prioritize-responsible-fintech/) - When it comes to fintech adoption, banks and credit unions are struggling, sparring with tech giants and innovative startups to defend their market position.
- [Wise, Google Pay partner for inexpensive cross-border money transfers](https://paymentsnext.com/wise-google-pay-partner-for-inexpensive-cross-border-money-transfers/) - A new partnership of Wise and Google Pay means US mobile wallet users can send money to friends and families across borders cheaper and faster.
- [Global payment fraud jumped 69% in the past year](https://paymentsnext.com/global-payment-fraud-jumped-69-in-the-past-year/) - Experts estimate more than $1 trillion was lost globally to cybercrime in 2020, and payment abuse is a big part of the fraud picture, up 69% last year.
- [Consumer buying behaviors that will shape the future of retail](https://paymentsnext.com/consumer-buying-behaviors-that-will-shape-the-future-of-retail/) - If the shopper’s journey and shopping habits change dramatically, payments will likely change just as quickly and disruptively.
- [Global consumers ready for revenge spending](https://paymentsnext.com/global-consumers-ready-for-revenge-spending/) - Frustrated with 15 months of pandemic restrictions and work from home mandates, consumers appear ready to reopen their purses and wallets with a vengeance.
- [Lazy Android app cloud security exposed data for 100 million+](https://paymentsnext.com/lazy-android-app-cloud-security-exposed-data-for-100-million/) - Check Point Research shows misconfiguration of third-party services by mobile app developers exposed personal data for more than 100 million-plus app users.
- [Square shares Noble aspirations to own events payments](https://paymentsnext.com/square-shares-noble-aspirations-to-own-events-payments/) - Square and digital ordering company Noble make it easy for concertgoers to order their cocktails, beer, and refreshments by smartphone at the next live event.
- [Klarna buys now, will pay later for security lapse](https://paymentsnext.com/klarna-buys-now-will-pay-later-for-security-lapse/) - Klarna shut down its popular buy now, pay later payments app due to what CEO Sebastian Siemiatkowski embarrassingly called "a self-inflicted incident."
- [Top 5 digital payment trends for small businesses](https://paymentsnext.com/top-5-digital-payment-trends-for-small-businesses/) - Let’s look at top digital payment trends driving the future of payments, including contactless, new transaction channels, mobile adoption, and integration,.
- [The sorry state of application security in financial services](https://paymentsnext.com/the-sorry-state-of-application-security-in-financial-services/) - "It's clear application security strategies have not matured at most of the financial services organizations represented in this survey," said Jeff Williams.
- [Russian ransomware attacks American BBQ plans – citizens outraged](https://paymentsnext.com/russian-ransomware-attacks-american-bbq-plans-citizens-outraged/) - The world of cybersecurity was not on the radar of most Americans until the Russian ransomware attack infiltrating one of the largest US beef producers – JBS.
- [May 19: Global payment news roundup: Laybuy, Adyen, Wise, Billtrust, Masrvi, Target, Best Buy, more…](https://paymentsnext.com/may-19-global-payment-news-roundup-laybuy-adyen-wise-billtrust-masrvi-target-best-buy-more/) - Here's the weekly roundup of global payments news and developments including Laybuy, Adyen, Wise, Billtrust, Masrvi, Target, Best Buy, more…
- [May 6 PaymentsNEXT global payments news roundup](https://paymentsnext.com/may-7-paymentsnext-global-payments-news-roundup/) - Lots of breaking and positive news this week, and this quick roundup will keep you up to speed on the payments industry news you need to know.
- [Cryptocurrency payments for merchants are alive and well](https://paymentsnext.com/cryptocurrency-payments-for-merchants-are-alive-and-well/) - With the same resilience as bitcoin, cryptocurrency payments for merchants are still alive despite what some may perceive as declining interest by consumers.
- [Happy New Year](https://paymentsnext.com/12827-2/) - Best wishes for 2021! Wishing our payment industry colleagues, collaborators, and co-sponsors many happy, healthy horizons ahead in 2021!
- [Walmart Canada finds big savings in blockchain automation](https://paymentsnext.com/walmart-canada-finds-big-savings-in-blockchain-automation/) - When it comes to the benefits of automation in logistics, a big organization like Walmart can benefit hugely. With blockchain gaining mainstream acceptance, Walmart is investing $3.5 billion into its Canadian operations with the support of DLT Labs and other technology partners. DLT Labs recently launched a blockchain-based supply chain system and it has quickly produced
- [Looking at young adults and their money habits](https://paymentsnext.com/looking-at-young-adults-and-their-money-habits/) - How much money did you save when you were young? Would your savings have helped you make it through the pandemic? Did you even know what a 401(k) was when you were younger? According to a Travis Credit Union survey of 1,859 US Millennials and Generation Zers, 99% of young adults said that saving money
- [New banking app hopes to be the One for middle-class Americans](https://paymentsnext.com/new-banking-app-hopes-to-be-the-one-for-middle-class-americans/) - Another new digital bank launched in the US and it’s aiming to provide innovative features for what it says is the underserved middle-class in America. Former Capital One senior vice president Brian Hamilton and former PayPal and Intuit CEO Bill Harris founded the new banking app One in 2019 with a goal to provide a
- [All votes matter!](https://paymentsnext.com/all-votes-matter/)
- [It's Time...](https://paymentsnext.com/its-time/)
- [Oct 26 Global payments news roundup: Ant Fin'l, Stripe, JPMorgan, Visa, Wirecard, PayPal, more...](https://paymentsnext.com/oct-26-global-payments-news-roundup-ant-finl-stripe-jpmorgan-visa-wirecard-paypal-more/) - As the biggest shopping season of the year approaches in the US and around the world, it’s also a hectic time for payments industry news. We’ve got another payments news roundup with all that you need to stay ahead of the latest payments and fintech developments. Ant Group to raise $34.5 billion, in biggest IPO
- [42% skipped a bill payment during the US pandemic](https://paymentsnext.com/42-skipped-a-bill-payment-during-the-us-pandemic/) - In the first seven months of the pandemic, more than half of American consumers (57%) have unfortunately seen a reduction in their income, and 42% have missed at least one bill payment as a result. These and other results from a new survey of US consumers by bill payments company doxo show there are even
- [Visa launches Tap to Phone mobile payments in 15 markets](https://paymentsnext.com/visa-launches-tap-to-phone-mobile-payments-in-15-markets/) - After a year of development and testing, Visa rolled out its new Tap to Pay mobile payment app that will let micro-merchants and sellers worldwide quickly and securely accept contactless payments on any NFC-enabled Android device without the need for any additional hardware. The new mobile app launches in 15 countries including Belarus, Malaysia, Peru,
- [Q3 ACH payments volume grew 9% in US](https://paymentsnext.com/q3-ach-payments-volume-grew-9-in-us/) - Nacha’s US Automated Clearing House Network (ACH) report for electronic funds transfers in the third quarter of 2020 showed exceptionally strong growth in volume and value despite the end of some government pandemic payments. ACH handled more than 6.8 billion payments in the third quarter, up 9% from the same period in 2019. The value
- [Retailers must deliver these top 2 areas to survive this holiday season](https://paymentsnext.com/retailers-must-deliver-these-top-2-areas-to-survive-this-holiday-season/) - By James Brear, CEO, Zycada This has been a rough year for retailers, with the pandemic taking a steep toll across most of the industry. An eMarketer study found that COVID-19 will hurt retailers worse than the Great Recession, estimating that worldwide retail revenue will dip by 5.7% in 2020. While retailers slowly began to
- [Amazon Prime Day: All over but the deliveries and returns](https://paymentsnext.com/amazon-prime-day-all-over-but-the-deliveries-and-returns/) - It’s all over except for deliveries and returns for Amazon Prime Day 2020 as sales by the estimated 2.3 million third-party small and midsized sized sellers exceeded a record $3.5 billion (up nearly 60%) across 19 countries participating in the annual sales love-in. Amazon is cagey about total sales but preliminary estimates by industry analysts
- [Research: Fraud transparency is key to earning US consumer trust](https://paymentsnext.com/research-transparency-is-key-to-earning-us-consumer-trust/) - By Rafael Lourenco, EVP, ClearSale Can online merchants earn more customer trust by talking about fraud? Yes, according to a recent survey of more than a thousand US online shoppers. It sounds counterintuitive, but raising the topic of fraud can reassure customers that your online store is safe to shop in. Here’s a look at
- [How low will cash usage go?](https://paymentsnext.com/how-low-will-cash-usage-go/) - New research suggests 58% of US consumers will stop using cash after the coronavirus pandemic ends. According to the September 2020 study by Travis Credit Union (TCU), consumers are now twice as likely to use a debit or credit card instead of cash to purchase goods and one in five said they rarely or never
- [Financial services see surge in online fraud during pandemic](https://paymentsnext.com/financial-services-see-surge-in-online-fraud-during-pandemic/) - With the rise of e-commerce and digital payments during the COVID-19, new research by TransUnion shows fraudsters are also getting in on the action. The recent report showed an 11% increase worldwide in risky fraud transactions it defined as denied or reviewed because of fraud indicators. Banks and lenders are coping with security challenges because
- [Research: Business fraud drops, consumer fraud jumps during pandemic](https://paymentsnext.com/research-business-fraud-drops-consumer-fraud-jumps-during-pandemic/) - When it comes to online fraud globally, there’s good news and there’s bad news. According to a new report from TransUnion, the good news is online business fraud dropped 9% from the first phase of the pandemic (Mar 11 - May 18) and the second phase (May 19 - July 25) as businesses began to
- [China’s UnionPay leads global payment card issuers](https://paymentsnext.com/chinas-unionpay-leads-global-payment-card-issuers/) - Global payment card expenditure grew 13% last year, to reach $35 trillion, according to the latest industry research. Despite a frequent US and western-biased view that Visa and MasterCard hold the dominant global market share for payment cards, that’s not the case. While the two US networks are strongly second and third largest in global
- [Petal aims to be credit card for credit-blemished customers](https://paymentsnext.com/petal-aims-to-be-credit-card-for-credit-blemished-customers/) - Fintech credit card startup Petal recently launched its second no-annual-fee credit card for those with no credit history or a blemished credit record. Petal hopes to make it easier for younger, new credit card applicants and those with damaged credit records to get approval for its new credit card. The card offers credit from $500
- [Oct 5 Global payments news roundup](https://paymentsnext.com/oct-5-global-payments-news-roundup/) - There’s so much going on in the payments world, it’s time for a roundup of quick news bytes and links to news you can use if you’re in the payments industry. Accelerating winds of change in global payments - McKinseyThe COVID-19 public- health crisis and its many repercussions—among them, government measures to protect citizens and
- [Azlo launches new automated digital banking & invoicing tools for SMEs](https://paymentsnext.com/azlo-launches-new-automated-digital-banking-invoicing-tools-for-smes/) - While COVID-19 is spurring new entrepreneurial startups, San Francisco-based fintech Azlo has launched a new set of digital banking, invoicing, and back-office tools to help SMEs and freelancers manage their back-office financial functions more efficiently and less expensively. Azlo Pro is a new subscription-based set of tools and services designed to help entrepreneurs save time
- [Who’s winning in Q3 pandemic e-commerce?](https://paymentsnext.com/whos-winning-in-q3-pandemic-e-commerce/) - After a big spike in global e-commerce growth through the pandemic which sectors are consistently winning and which are softening as we near the end of Q3 and the start of the holiday shopping season? A new report from Nosto analyzes six key e-commerce sectors and shows which industry verticals are ahead as e-commerce sales
- [New partnership will help immigrants establish US credit in minutes](https://paymentsnext.com/new-partnership-will-help-immigrants-establish-us-credit-in-minutes/) - With non-US-born residents making up nearly 15% of the US population, establishing credit is often a big challenge for these new immigrants, many of whom have excellent credit records in their home countries. It’s also a challenge for lenders who are keen to offer services to this substantial market. A new business and technology partnership
- [Visa puts Small Business Week and holiday shopping in focus](https://paymentsnext.com/visa-puts-small-business-week-and-holiday-shopping-in-focus/) - A new Visa business holiday shopping study shows small to midsize businesses (SMBs) and consumers are both getting ready for a busy holiday shopping season despite the pandemic. Researchers asked 2000 businesses and 4500 consumers in the US, Canada, Germany, Ireland, Hong Kong, Singapore, Brazil, and the United Arab Emirates about their plans for the
- [SWIFT aims for faster future cross-border payments](https://paymentsnext.com/swift-aims-for-faster-future-cross-border-payments/) - When it comes to instant payments, the international banking network SWIFT has been anything but fast in recent years. That’s about to change with the organization’s announcement of a two-year strategy to implement faster payments. The Board of the network which represents more than 11,000 banks around the world, announced a new strategy promising to
- [Payments in the five largest EU e-commerce markets](https://paymentsnext.com/payments-in-the-five-largest-eu-e-commerce-markets/) - By Sunil Jhamb, Founder & CEO of WL Payments The e-commerce sector has grown steadily over the past few years, while international transactions have also become a regular phenomenon, especially in Europe where 23% of e-commerce[1] is cross-border. The COVID-19 crisis has further exaggerated these trends and presented many opportunities for companies that expand their
- [Not so fast: What’s blocking the future of invisible payments?](https://paymentsnext.com/not-so-fast-whats-blocking-the-future-of-invisible-payments/) - Matt Jackson, Head of Partner Development (EMEA) at PPRO Invisible payments have already had a massive impact on the physical and online retail experience and could have the potential to eradicate cash and payment cards from the payment journey. Amazon Go even went as far as removing Point of Sale (POS) systems from its payment processes to
- [10 key US H1 e-commerce facts to know](https://paymentsnext.com/10-key-us-h1-e-commerce-facts-to-know/) - When it comes to US e-commerce and COVID-19, we've got 10 things you really need to know about the impact of the pandemic on online shopping from an analysis by our friends at Digital Commerce 360. Consumers spent $347.26 billion online with US retailers from Jan-June, up 30.1% from $266.84 billion for the same period
- [Biometrics enables EU payments with a wave and a smile](https://paymentsnext.com/biometrics-enables-eu-payments-with-a-wave-and-a-smile/) - European shoppers in Budapest and Spain are shopping and paying with a wink and a wave with the launch of Hungarian fintech PeasyPay.Imagine. No more carrying your purse, wallet, smartphone, or credit card while shopping and paying for groceries, lunch at your favorite cafe, fresh croissants at the Patisserie, or shopping at your favorite fashion
- [Why Indonesia is the world’s next digital payments battleground](https://paymentsnext.com/why-indonesia-is-the-worlds-next-digital-payments-battleground/) - By Kelvin Phua, Global Head of Payment Networks at PPRO The COVID-19 outbreak has seen the e-commerce sector surge. Despite economic uncertainty, consumers around the world are turning to the internet for the goods and services that they previously would have looked for in-store. In APAC, this has meant some emerging markets have accelerated their
- [News & trends: The growing challenge of chargebacks](https://paymentsnext.com/news-trends-the-growing-challenge-of-chargebacks/) - As new cutting-edge fintech services and new payments technologies arrive weekly, you'd think that chargebacks would be decreasing, right? And you'd be wrong. JP Morgan Chase estimates chargebacks are growing annually by 20% while online sales grow at only 7%. We've got a collection of news stories and insight into chargebacks trends from around the globe. Chargebacks911 and ACI
- [NFL Jaguars kick off season with Tappit contactless payments](https://paymentsnext.com/nfl-jaguars-kick-off-season-with-tappit-contactless-payments/) - It’s been a season of uncertainty for US hockey, basketball, baseball, and now for NFL football fans. With NHL hockey playoffs well underway without fans in arenas, the NFL is getting ready to open a new season with widely differing plans to delay or allow fans into their home stadiums on opening day. The Buffalo
- [10 key insights into US payments and debt during the pandemic](https://paymentsnext.com/10-key-insights-into-us-payments-and-debt-during-the-pandemic/) - Here are 10 important insights you need to know about payments and the US economy during the pandemic. The data comes from recent Bankrate research and the August 2020 Liberty Street Economics report from the Federal Reserve Bank of New York. 35% have less savings and 21% of Americans have no emergency savings at all
- [The looming US $1.6 trillion payments problem](https://paymentsnext.com/the-looming-us-1-6-trillion-payments-problem/) - There’s one ballooning payments problem that simply isn’t going away soon. It’s the $1.6 trillion debt carried by an estimated 44.7 million American students. For years, policymakers and economists alike have recognized that growing student debt places a huge drag on the economy both for spending as well as borrowing, investment, and simple economic well-being.
- [Did Sweden set the next big trend in e-commerce payments?](https://paymentsnext.com/did-sweden-set-the-next-big-trend-in-e-commerce-payments/) - by James Booth, VP, Head of Partnerships, EMEA, PPRO Designed to increase consumer protection for online shopping and curb rising household debt amongst Swedish consumers (currently increasing at a rate of 7% per annum), the Swedish Parliament has approved an amendment to the Swedish Payment Services Act (2010:751). Coming into effect 1 July 2020, the
- [Inside the growing payments and financial “scamdemic”](https://paymentsnext.com/inside-the-growing-payments-and-financial-scamdemic/) - There’s no question e-commerce is booming for many reasons during the global pandemic. There’s one other huge growth industry during this same timeframe. It’s something I call a “scamdemic” – a pandemic of payments and financial fraud that’s costing consumers and businesses billions of dollars. The payments and financial scams vary from fraudulent COVID-19 products
- [Big US retailers hit Q2 online revenue home runs](https://paymentsnext.com/big-us-retailers-hit-q2-online-revenue-home-runs/) - If there was any doubt that the future of retail is omnichannel, Q2 online sales results for Walmart, Target, Home Depot and Lowe’s tell the story of growing digital dominance during the pandemic. According to the Marketplace Pulse, US e-commerce sales jumped 44.5% in Q2 2020 as retailers generated $211 billion in online sales in the
- [Payments shock factor: The digital acceleration no one saw coming](https://paymentsnext.com/payments-shock-factor-the-digital-acceleration-no-one-saw-coming/) - By: Steve Villegas, VP of Payment Partnerships North America at PPRO To suggest that COVID-19 has transformed the future of business would be too obvious. But, in certain industries like retail, it is hard to fathom just how much change the pandemic has ignited. The crisis has expedited society further into the digital world; technology
- [3 trends disrupting traditional B2B payments](https://paymentsnext.com/3-trends-disrupting-traditional-b2b-payments/) - The impact of COVID-19 has accelerated disruption in the B2B payments marketplace and according to a new study from Juniper Research, it will be two years before business recovers its losses. The research shows how deep the disruption to business has been around the world from the coronavirus pandemic, estimating that cross-border B2B payments will
- [Forget “new-normal”, welcome to “now-normal” e-commerce](https://paymentsnext.com/forget-new-normal-welcome-to-now-normal-e-commerce/) - Since the onset of COVID-19, we’ve been living with a shopping and e-commerce reality that industry analysts and trend watchers have dubbed the “new-normal.” Signifyd’s latest Pulse Report for E-commerce indicates the idea of “new-normal” is already an outdated concept and we really should now be thinking in terms of the “now-normal.” New-normal implied that
- [How COVID-19 changed business payments](https://paymentsnext.com/how-covid-19-changed-business-payments/) - By Brady Harris, CEO of Dwolla Organizations across all industries are operating under completely different circumstances and many leaders are in uncharted territory as they maneuver through the coronavirus. If COVID-19 has taught us anything it’s that we must interact with our customers digitally in order to operate—especially when it comes to moving money. Which
- [US coronavirus scammers break $100 million barrier](https://paymentsnext.com/us-coronavirus-scammers-break-100-million-barrier/) - Not only is COVID-19 wreaking havoc on the health and finances of consumers around the world, but scammers are also having a field day, surging past $105 million in fraud losses this year to date in the US alone. The US Federal Trade Commission (FTC) has an extensive database of reports of consumer scams updated
- [Visa study finds new consumer purchase paths and SMBs responding](https://paymentsnext.com/visa-study-finds-new-consumer-purchase-paths-and-smbs-responding/) - From online shopping with rising digital and contactless payments and the massive increase in home deliveries, retail online and in-store after the pandemic will never be the same. Visa is out with a new study that looks at both shifting consumers' preferences and small business responses during COVID-19 to get insight into the future as
- [Finexio finds payments growth and new partner despite pandemic](https://paymentsnext.com/finexio-finds-payments-growth-and-new-partner-despite-pandemic/) - US B2B payments automation was gaining wider adoption last year and early into the new year. The obvious appeal to business owners and CFOs was cost savings, faster payments by clients and for suppliers, potential faster-pay discounts, quicker automated reconciliation, and a greatly reduced burden of paperwork. When the pandemic struck in March, suddenly the
- [Amazon’s Q2 financials moonshot](https://paymentsnext.com/amazons-q2-financials-moonshot/) - You really can’t analyze the payments industry without considering the role of e-commerce and the impact of the world’s largest e-commerce monolith – Amazon. Amazon’s Q2 financial results are in and they’re impressive by every standard including beating analysts’ expectations handily, maintaining growth momentum, and growing cash flow from its Amazon Web services (AWS) business.
- [Navigating payments automation, COVID impact, and finding success](https://paymentsnext.com/navigating-payments-automation-covid-impact-and-finding-success/) - Q2 earnings reports are ramping up and it’s clear some companies are having very positive numbers for a couple of big reasons. One is their products and services were a perfect fit to meet the needs of customers during the COVID-19 crisis. The other is they’re digital or e-commerce companies that moved quickly to adjust
- [The role of payments innovation in small business: Brazil perspective](https://paymentsnext.com/the-role-of-payments-innovation-in-small-business-brazil-perspective/) - By Augusto Lins When it comes to adopting digital payments technology – the US market is a well-known laggard. In fact, as of 2019 – cash and checks still account for almost half of all SMB payments. However, COVID-19 has been a stress test for digital transformation – creating an incredible burden for small business
- [Decoding Asia-Pacific’s payments & e-commerce landscape](https://paymentsnext.com/decoding-asia-pacifics-payments-e-commerce-landscape/) - By: Tristian Chiappini Asia-Pacific (APAC) is both a fascinating and complex region when it comes to its e-commerce landscape. With the ubiquitous use of e-wallets and other local payment methods (LPMs), it will come as no surprise the region will account for two-thirds of the global e-commerce market next year, with a value of over
- [B2B cross-border payments may recover 30% by 2022](https://paymentsnext.com/b2b-cross-border-payments-may-recover-30-by-2022/) - A new study from Juniper Research predicts the total value of B2B cross-border payments will reach $35 trillion in 2022 from a COVID-related low of $27 trillion in 2020. This 30% growth will take two years for recovery following the devastating economic impact of the coronavirus pandemic. The report says businesses will be cost-conscious particularly on
- [ChargeAfter partners with Visa for consumer installment payments](https://paymentsnext.com/chargeafter-partners-with-visa-for-consumer-installment-payments/) - In a new partnership with Visa, technology platform ChargeAfter becomes the first fintech to offer Visa installment point-of-sale payments in the US which should be welcome news for both struggling merchants and hard-pressed consumers. With the launch of Visa’s installment solutions on the ChargeAfter platform, participating US merchants can now offer their customers an installment
- [E-gift cards see 820% jump in malicious attacks in 2020](https://paymentsnext.com/e-gift-cards-see-820-jump-in-malicious-attacks-in-2020/) - While the popularity of e-gift cards is growing, it’s also accompanied by an increase in malicious attacks with the onset of COVID-19. Among the brands protected by PerimeterX, the company saw e-gift card attacks stay fairly steady in the e-commerce vertical, however since the COVID-19 lockdown started, it reports a skyrocketing increase of 820% in
- [Canadians toss the cash, forgo bank branches, embrace contactless payments](https://paymentsnext.com/canadian-toss-the-cash-forgo-bank-branches-embrace-contactless-payments/) - New research from McKinsey shows Canadian consumers avoided cash and bank branches in May over the fear of COVID-19 and turned to contactless payments to fill the gap. The survey found that 42% of Canadians decreased their use of cash compared to only 26% in the US. What is it that makes American consumers cling
- [McKinsey: Post-COVID-19 business recovery could take 5 years](https://paymentsnext.com/mckinsey-post-covid-19-business-recovery-could-take-5-years/) - A new McKinsey report says post-COVID-19 business recovery could take five or more years depending on the size of business and sector. The report highlights challenges faced by businesses in returning to pre-pandemic business levels including reduced customer demand for products and services, new consumer expectations, and operational challenges because of health, safety, and supply
- [New fraud prevention tool will reduce merchant false order declines](https://paymentsnext.com/new-fraud-prevention-tool-will-reduce-merchant-false-order-declines/) - Merchants, payment gateways, credit card issuers, and banks and have long battled the problem of orders falsely declined as part of fraud prevention programs often operated in isolation by partners in the payments system. Experts estimate losses to merchants could be as high as 10% of revenue due to false declines. Fraud prevention firm Forter
- [SaaS metrics that matter, including monetization](https://paymentsnext.com/saas-metrics-that-matter-including-monetization/) - By Alexandra Marcu, Vice President of Marketing at 2Checkout The business landscape has never been as competitive as it is in the digital era and the SaaS field is one of the fastest-growing today according to Gartner - 27% annual growth rate estimated in 2019 alone. Yet, in spite of the shifting market preferences towards
- [Will that be Visa, Mastercard, or EPI?](https://paymentsnext.com/will-that-be-visa-mastercard-or-epi/) - Not only will Americans be banned from travel to Europe, the big US payment companies may soon face competition by a new credit card system in development by 16 European banks. The new pan-European payments system is called the European Payments Initiative (EPI) and will offer consumers and merchants a new payment system that includes
- [COVID-19 sales impact, biggest challenges, best business responses](https://paymentsnext.com/covid-19-sales-impact-biggest-challenges-best-business-responses/) - New research from 2Checkout reveals COVID-19’s negative impact on more than 60% of online businesses but also points to ways companies are responding positively and highlights several sectors that actually grew their sales in the past several months. Biggest business challenge is sales The biggest business challenge is sales during the pandemic for online sellers.
- [Holiday shopping predictions amid COVID-19](https://paymentsnext.com/holiday-shopping-predictions-amid-covid-19/) - it’s never too early to start thinking about Christmas shopping, is it? Especially if you're a retailer. At least that’s what the research team at Voxware was thinking as they asked consumers about their online shopping plans for the holidays in the midst of our current pandemic. If there’s anything we’ve learned in the past
- [Out of Africa: Postbank scam hits 12 million South Africa bank customers](https://paymentsnext.com/out-of-africa-postbank-scam-hits-12-million-south-africa-bank-customers/) - “Bank heist! How insiders stole millions and threatened the cybersecurity of more than 12 million South African bank customers.” It’s got all the makings of a made for the movies bank robbery. This was a criminal plot to steal the 36-digit code and “master key” that secured South Africa’s Postbank, the banking arm of the
- [Recycled plastic payment cards reduce ocean waste](https://paymentsnext.com/recycled-plastic-payment-cards-reduce-ocean-waste/) - A new partnership of CPI Card Group (CPI) and Visa is another step forward in reducing ocean waste by using recycled plastic to create attractive new debit, credit, and other plastic payment cards. CPI’s Second Wave ™ card is recovered from ocean-bound plastic waste, recycled, and remanufactured into new cards. Environmentally responsible companies, including financial
- [Fattmerchant launches new contactless payments solution for merchants](https://paymentsnext.com/fattmerchant-launches-new-contactless-payments-solution-for-merchants/) - With new research showing a shift by consumers to contactless payments, technology provider Fattmerchant introduced a new suite of contactless payment tools for small business owners A recent survey conducted by Fattmerchant shows a shift in consumer payment preferences due to the COVID-19 pandemic. Nearly half of respondents said they are uncomfortable with making purchases
- [COVID-19 crisis creates contactless payments growth](https://paymentsnext.com/covid-19-crisis-creates-contactless-payments-growth/) - As business and consumers start to raise their heads from months of prolonged lockdowns due to the coronavirus crisis, the US payments industry is finally seeing growth in the use of contactless and automated payments. Traditionally, the US had lagged behind earlier adopters in SE Asia, the UK, and the EU. Payments provider PaySimple saw
- [4 Best practices for agile business planning](https://paymentsnext.com/4-best-practices-for-agile-business-planning/) - By Darrell Cox, CFO at Vena Solutions For companies today, being ready to pivot is—simply put—pivotal. Business conditions are ever-evolving, and change will continue to be constant. And as organizations look to navigate the road ahead, it’s strategic finance teams that are leading the way, driving agile planning processes to help them adapt and grow
- [MineralTree extends AP automation for international invoices & payments](https://paymentsnext.com/mineraltree-extends-ap-automation-for-international-invoices-payments/) - Accounts payable and payment automation provider MineralTree announced new platform features and multicurrency payment processing capabilities for businesses sourcing products and services internationally. The new features allow users to automate the capture, processing, and approval of international invoices using the same platform and workflow used for domestic invoices and also syncs seamlessly with client ERP
- [Payments beyond the pandemic: What does the future of e-commerce hold?](https://paymentsnext.com/payments-beyond-the-pandemic-what-does-the-future-of-e-commerce-hold/) - By James Booth, VP, Head of Partnerships EMEA at PPRO COVID-19 has shaken the global economy. Social distancing has drastically shifted consumer behavior and introduced a new set of challenges to stores and shoppers alike. For merchants, it has been difficult to manage a dip in discretionary spending, a rapidly increasing number of online shoppers,
- [Pandemic update: Visa Direct helps employees get emergency pay](https://paymentsnext.com/pandemic-update-visa-direct-helps-employees-get-emergency-pay/) - Recent research by payments provider PayActiv showed the growing impact of the pandemic on those essential workers still employed despite unemployment in the US reaching 14.7% in April. The mid-March research showed serious concerns among employees surveyed as the pandemic began taking hold in the US: 82% of workers were more worried about financial issues
- [Amazon Australia pops the cork on alcohol sales](https://paymentsnext.com/amazon-australia-pops-the-cork-on-alcohol-sales/) - Amazon Australia just set its sights on a brand-new market niche and the biggest players in the booze business down under and farther afield should be concerned. With online shopping habits shifting due to the impact of coronavirus, increased online sales of alcohol and growth in work from home, the move is hardly surprising. Sales
- [ChargeAfter partners to grow POS financing technology and options for merchants, consumers](https://paymentsnext.com/chargeafter-partners-to-grow-pos-financing-technology-and-options-for-merchants-consumers/) - Point-of-sale (POS) funding technology platform ChargeAfter and Japanese venture capital firm MUFG Innovation Partners (MUIP) announced plans for a strategic investment to provide global e-commerce and brick-and-mortar retailers with the technology and tools to approve more applications for POS financing from multiple lenders in real-time. The investment and partnership will further promote ChargeAfter’s rapid global
- [Skrill launches free international money transfer service in US](https://paymentsnext.com/skrill-launches-free-international-money-transfer-service-in-us/) - Global payments platform Paysafe launched the Skrill Money Transfer service which allows customers to transfer money for free to friends and family in Mexico, India, and 16 other Asian and European countries. First launched in October 2018 in Europe, Skrill Money Transfer was designed to enable money transfers to 40 countries. Now US customers can
- [June 5 Global news roundup:](https://paymentsnext.com/june-5-global-news-roundup/) - Happy Friday and welcome to our weekly global payments news roundup. Lots of insight and business intelligence including what consumers are thinking, which retailers have had e-commerce success during the pandemic, new research reports, COVID-19 updates, fintech news, and much more news you can use. McKinsey: Global consumer sentiment – Situation “normal”, whatever that isMcKinsey’s
- [How Fitz Frames uses mobile-first to beat e-commerce and COVID-19 challenges](https://paymentsnext.com/how-fitz-frames-uses-mobile-first-to-beat-e-commerce-and-covid-19-challenges/) - It’s one thing to start a business as an entrepreneur and survive the first year. It’s an even bigger badge of success to have launched your online business as a mobile-only enterprise and then thrive and grow despite the COVID-19 crisis. Meet Fitz Frames, a unique, fashionable, family eyewear maker and online seller that’s navigated
- [The biggest danger to branchless banking?](https://paymentsnext.com/the-biggest-danger-to-branchless-banking/) - With a third of the global population on lockdown and scores of bank branches closed, many are convinced that branch banking is dead, and the future is branchless. Is this really true? Branchless alternatives like Revolut, N26, Monzo, and NuBank let customers achieve the same and often better results in a fraction of the time
- [Who’s thriving with e-commerce sales during the pandemic?](https://paymentsnext.com/whos-thriving-with-e-commerce-sales-during-the-pandemic/) - There’s lots of chatter and noise about the importance of e-commerce and how merchants are doing with online sales during the coronavirus crisis. If you needed any proof that e-commerce will be critical for every business going forward, we’ve got highlights of the latest research that shows who’s winning and there are a few surprises.
- [McKinsey: Global consumer sentiment – Situation “normal”, whatever that is](https://paymentsnext.com/mckinsey-global-consumer-sentiment-situation-normal-whatever-that-is/) - McKinsey's new research report, with insight on shifting consumer sentiment over a five-week timeframe of the global pandemic in 42 countries is an eye-opener. Researchers gauged consumer sentiment between the week of April 2 through the week of May 3 and what they found was consumer sentiment varied greatly across countries impacted by COVID-19. Overall,
- [Fintech in America: Lessons from across the pond](https://paymentsnext.com/fintech-in-america-lessons-from-across-the-pond/) - By Giffard Hogge, Product Manager, Somo The UK and the United States share culture, history, and language. But it is only after moving from the UK to live in the US that I have become more acutely aware of the more subtle differences between our societies. They say fries, we say chips. They say subway,
- [Coronavirus stimulus check consumers are paying their bills and clinging to cash](https://paymentsnext.com/coronavirus-stimulus-check-consumers-are-paying-their-bills-and-clinging-to-cash/) - If you were one of the fortunate 150 million or so US citizens to receive a $1200 COVID-19 Relief Check in April, you probably spent it paying bills according to research from payments platform PayNearMe. The company tracked millions of payments made by consumers between March 1 and April 17 on its payments platform. The
- [Consumer purchase and fraud trends shift with reopening](https://paymentsnext.com/consumer-purchase-and-fraud-trends-shift-with-reopening/) - Fraud prevention and payments leader Forter is closely monitoring the buying trends of consumers and the incidence of fraud during the pandemic and looking ahead to the future. Forter’s May 2020 report on e-commerce purchase trends provides both hope and strategic intelligence for online merchants and sellers. Despite some fraud challenges, there are some positive
- [May 22 Global payments news roundup: PayPal QR codes, vendor payments, US bank loans relax, Amazon/JCPenney, trust in banks, Alibaba growth, more…](https://paymentsnext.com/may-22-global-payments-news-roundup-paypal-qr-codes-vendor-payments-us-bank-loans-relax-amazon-jcpenney-trust-in-banks-alibaba-growth-more/) - Welcome to our Friday payments, fintech, and e-commerce news roundup with the business intelligence to keep you ahead of your competition. It was a busy week with much research on post-COVID-19 projections and possibilities and lots of new product announcements that caught our attention. PayPal rolled out QR code payments as contactless options become more
- [Remaking banking services after the pandemic](https://paymentsnext.com/remaking-banking-services-after-the-pandemic/) - The fast-changing habits and needs of consumers, partly shaped by the coronavirus pandemic, will require banking and financial service leaders to adjust their services and their way of thinking if they want to build resilient organizations that thrive in the near future. In an intriguing new report – “Consumer Banking Remade by COVID 19: Scenarios
- [April US retail sales worst on record: What are consumers planning next?](https://paymentsnext.com/april-us-retail-sales-worst-on-record-what-are-consumers-planning-next/) - US Department of Commerce statistics showed a worst-ever record 9% decrease in April 2020 US retail sales as COVID-19 stay-at-home orders hit the retail sector hard. One small bright spot was a 20.5% increase in non-store channels, primarily online sales, the second-largest ever recorded. Online grocery sales jumped 13% as consumers shifted their grocery shopping
- [Plastiq launches new card acceptance product with one year free](https://paymentsnext.com/plastiq-launches-new-card-acceptance-product-with-one-year-free/) - The list of layoffs and Chapter 11 bankruptcies has now grown to include hallmark retailers including Forever 21, Pier 1, J Crew, Neiman Marcus, Stage Stores, Laura Ashley and Debenhams in the UK, and JCPenney late last week. It’s not a pretty picture despite some growth in e-commerce and online sales as companies scramble to
- [May 15 Global payments news roundup: Dwolla, EBANX, IBM, TransUnion, Primer, more…](https://paymentsnext.com/may-15-global-payments-news-roundup-dwolla-ebanx-ibm-transunion-primer-more/) - Welcome to another weekly Friday fintech, payments, and e-commerce news and business intelligence roundup. I don’t know about you we’re ready to start barbecuing even if it requires us to keep a social distance from the hamburgers until they’re cooked. We’re getting ahead of ourselves, so in the meantime let’s jump into the payments news
- [COVID-19 unleashes fraud attacks, scams on business & young consumers](https://paymentsnext.com/covid-19-unleashes-fraud-attacks-and-scams-on-business-young-consumers/) - A new quarterly analysis of global online fraud trends found the telecommunications, e-commerce, and financial services industries were increasingly impacted along with Millennials among the victims most targeted by fraudsters using COVID-19 scams. Global fraud and identity solutions company Trans Union used the March 11, 2020 announcement of the global pandemic by the World Health
- [Post-pandemic payments path leading to the new normal](https://paymentsnext.com/post-pandemic-payments-path-leading-to-the-new-normal/) - Just what does the “new normal” look like in a post-pandemic payments world? We reached out to Brady Harris, CEO of programmable payments company Dwolla for his insight into what’s ahead for business and the payments industry. The impact of coronavirus on business and consumers is dramatic although it varies widely from devastating to encouraging
- [Canadian credit unions and IBM plan new payments as a service platform](https://paymentsnext.com/canadian-credit-unions-and-ibm-plan-new-payments-as-a-service-platform/) - Credit unions in three Canadian provinces will be looking blue when it comes to modernizing their payments technology and platforms in a new eight-year, $100 million technology services partnership announced between 75 credit unions in Manitoba, Saskatchewan, and Alberta with IBM. The 75 credit unions are members of the Prairie Payments Joint Venture (PPJV) of
- [May 8 Global payments news roundup: QuadPay, Square, Klarna, PPRO, Judo Bank, more...](https://paymentsnext.com/may-8-global-payments-news-roundup-quadpay-square-klarna-ppro-judo-bank-more/) - Welcome to our weekly Friday fintech, payments, and e-commerce news and business intelligence roundup. It may not feel “normal” yet where you live, so we'll do our best to give you a taste of normal news you can use. Even your humble editor is pining for the days when Corona meant a beer you would
- [JD Power reports customers happier with big banks compared to digital-only](https://paymentsnext.com/jd-power-reports-customers-happier-with-big-banks-compared-to-digital-only/) - When it comes to digital banking, even with the coronavirus crisis, the traditional banks seem to have customer satisfaction sewn up. Seem ironic? New research from JD Power not only shows the shift to digital banking and payment solutions is accelerating faster than anticipated due to coronavirus, but the big banks are also getting higher
- [Mother’s Day, beauty, nesting, & other e-commerce spending insights](https://paymentsnext.com/mothers-day-beauty-nesting-other-e-commerce-spending-insights/) - Global fraud prevention company Forter is tracking weekly online spending and the results during the COVID-19 crisis have proved fascinating. Based on Forter data tracking in the past several weeks and looking ahead to Mother’s Day, e-commerce sales look encouraging in several sectors including jewelry and electronics. “Despite the financial impact of COVID-19, the National
- [Rapyd Asia payments research report: One size does not fit all](https://paymentsnext.com/rapyd-asia-payments-research-report-one-size-does-not-fit-all/) - When it comes to payments across seven major countries in the Asia-Pacific region, new research from Rapyd tells us two key things. First, there is no single payment scheme that works best in all countries. Second, the use of banking and digital payments is higher and more widespread than previously understood with some interesting variations
- [May 1 Payments news roundup: Challenger bank closures, coronavirus payments trends, e-commerce insights, more…](https://paymentsnext.com/may-1-payments-news-roundup-challenger-bank-closures-coronavirus-payments-trends-e-commerce-insights-more/) - Welcome to our weekly global payments news roundup with all the payments, fintech, and e-commerce news you need to know. We look at several challenger bank updates and closures, consumer coronavirus payments and shopping trends, global contactless spending data from Visa, coronavirus analysis from McKinsey & Company by country, and much more. Stay safe, enjoy
- [What’s the post-pandemic payments world look like?](https://paymentsnext.com/whats-the-post-pandemic-payments-world-look-like/) - As consumer buying behaviors change quickly during and post-pandemic, the payments world is also going through significant changes. While contactless payments were very slowly gaining traction, particularly in the US, COVID-19 risk factors have forced consumers to change how they pay. In fact, Mastercard reports 51% of US consumers now use some form of contactless
- [Pandemic problems put deliveries at top of business shopping list](https://paymentsnext.com/pandemic-problems-put-deliveries-at-top-of-business-shopping-list/) - Companies are struggling with the need to move their business online rapidly wherever possible in order to survive during the coronavirus crisis and to plan for new post-pandemic behaviors by consumers. New consumer purchase behaviors are evolving quickly including increased online shopping, heightened delivery expectations, wide-ranging supply chain impacts, and growth in the number of
- [Which businesses are thriving during COVID-19?](https://paymentsnext.com/which-businesses-are-thriving-during-covid-19/) - While most US small businesses are shut down, unable to operate online, and facing possible permanent closures, some companies have seen dramatic sales growth during the coronavirus pandemic. Initially, in March, consumers reacted with panic buying of essentials such as medical products, hand sanitizers, toilet paper, and food essentials. After several weeks, analysts noted supply
- [Payments fintech PAAY exposes 2.5M credit card numbers](https://paymentsnext.com/payments-fintech-paay-exposes-2-5m-credit-card-numbers/) - A large payments database owned by New York mobile payments processor PAAY left millions of credit card and other payments transactions exposed for more than three weeks before a security researcher found the security failure. Security researcher Anurag Sen discovered the database on PAAY’s server without a password, leaving the payments transaction data open publicly
- [The challenging state of small business cybersecurity](https://paymentsnext.com/the-challenging-state-of-small-business-cybersecurity/) - New research from business news site The Manifest shows 15% of US small businesses suffered a hack (7%), virus attack (5%), or data breach (3%) in 2019. The good news is nearly two-thirds of business owners and managers claimed they will increase their cybersecurity resources in 2020. The problem is the coronavirus crisis has forced
- [Is a Google smart debit card a smart move?](https://paymentsnext.com/is-a-google-smart-debit-card-a-smart-move/) - Word surfaced on the weekend that Google is working on plans to introduce a smart debit card to the marketplace to complement its Google Pay service. From Apple Pay, Twitter co-founder Jack Dorsey’s Stripe, and Google Pay, Silicon Valley has been targeting the financial/fintech sector for several years. While Google is not releasing details, some
- [Global payments news roundup: April 19](https://paymentsnext.com/global-payments-news-roundup-april-19/) - The week raced by with payments, fintech and e-commerce news from around the world mostly revolving around coronavirus with some interesting standouts in addition. Here are the key payments industry stories you need to know. Is the coronavirus killing off cash?Tech firms see the opportunity they’ve been waiting for as shoppers and business recoil from
- [Business scams, email fraud growing during coronavirus pandemic](https://paymentsnext.com/business-scams-email-fraud-growing-during-coronavirus-pandemic/) - Last week, both the FBI and the IRS issued warnings of increased business and consumer fraud during the COVID-19 pandemic. Research from security experts at Proofpoint shows the problem is Business Email Compromise (BEC) has been growing exponentially in the past year and accelerating during the global coronavirus crisis. In the first half of 2019,
- [Ticketmaster decides ripping off consumers is okay](https://paymentsnext.com/ticketmaster-decides-ripping-off-consumers-is-okay/) - In a headshaking, tone-deaf move especially during the coronavirus pandemic, the brain trust at Ticketmaster has decided to add to the misery of consumers who bought tickets for concerts now canceled, postponed or delayed indefinitely due to the COVID-19 crisis. If you need a refund because you are now struggling to pay your rent or
- [Two-thirds of international students prefer familiar tuition payment options](https://paymentsnext.com/two-thirds-of-international-students-prefer-familiar-tuition-payment-options/) - A new report by payments company Flywire says 67% of international students are concerned if they can’t use their tuition payment method of choice at UK universities. While the report has a direct impact on the recruitment of international students by universities in the UK, the implications for business and e-commerce are equally important. The
- [April 10 Payments NEXT big global news roundup](https://paymentsnext.com/april-10-payments-next-big-global-news-roundup/) - The weeks are sliding by slowly as we all stay at home and wait out the COVID-19 crisis. Today, on this Good Friday, we’ve got another big roundup of global payments, fintech, and e-commerce news. It feels like there are not quite as many clouds on the horizon, though we're not anywhere close to getting
- [Coronavirus insights enhance annual Forter Fraud Attack Index research](https://paymentsnext.com/coronavirus-insights-enhance-annual-forter-fraud-attack-index-research/) - Forter today released the 8th edition of its Fraud Attack Index, a comprehensive trend report on sophisticated fraud attack vectors and the evolution of fraud. Forter also released a COVID-19 Special Report, focusing on Coronavirus related e-commerce consumer behavior and fraud trends during the Q1 2020. The coronavirus pandemic has brought e-commerce and fast-changing shopper preferences into sharp
- [April 6 Global payments news roundup](https://paymentsnext.com/april-6-global-payments-news-roundup/) - We’re starting this week with a big global payments news roundup since there’s so much going on in the payments, fintech, and e-commerce industry around the world. We hope you find the business intelligence valuable and that you’re staying safe and healthy during these trying times. The payments world is seeing incredible stress, demand, adjustment,
- [Companies doing GOOD during coronavirus pandemic](https://paymentsnext.com/companies-doing-good-during-coronavirus-pandemic/) - It’s a sad reality that so many businesses have closed, laid-off employees, seen massive revenue decreases, and suffered other harsh impacts from the coronavirus pandemic. Many businesses have been forced to go into crisis management and survival mode as a result. But some companies are doing their level best to help clients, customers, medical and
- [Cashless or classless: The flaws in today’s payment debate](https://paymentsnext.com/cashless-or-classless-the-flaws-in-todays-payment-debate/) - By: Steve Villegas, VP of Payment Partnerships at PPRO There is a constant debate on whether global economies should continue to offer cash payments or go cashless by converting solely to digital. Critics say this move would disenfranchise unbanked, cash-dependent consumers and does not drive financial inclusion, while others claim that a failure to go
- [First of month rent, mortgage and lease payments raise US financial concerns](https://paymentsnext.com/first-of-month-rent-mortgage-and-lease-payments-raise-us-financial-concerns/) - Only about one-third of US workers can work from home and they earn about 45% of the country's wages. Being the first of the month, there are millions of rents, business leases and other payments due. The big question, is what happens with them? In the third week of March, a record 3.5 million Americans
- [Mar 30: Payments, e-commerce & retail news roundup & coronavirus insights](https://paymentsnext.com/mar-30-payments-e-commerce-retail-news-roundup-coronavirus-insights/) - In the spirit of sharing as much strategic information and business intelligence as possible during the COVID-19 pandemic, we’ve got another news roundup to keep you up to date on the latest breaking payments, e-commerce, and retail news stories. In India, the country’s Retail Association said 30% of retail stores will close down if the
- [TransUnion reports both e-commerce growth and COVID-19 fraud increase](https://paymentsnext.com/transunion-reports-both-e-commerce-growth-and-covid-19-fraud-increase/) - Since the World Health Organization (WHO) declared the novel coronavirus outbreak a pandemic on March 11th, new research by TransUnion identified a 23% increase in weekly e-commerce transactions the following week. While somewhat predictable, the growth in the e-commerce transactions was also accompanied by an increase in fraud, as researchers found 22% of Americans said
- [Will your supply chain survive the coronavirus pandemic?](https://paymentsnext.com/will-your-supply-chain-survive-the-coronavirus-pandemic/) - The supply chain for products around the world, no matter the source country, is stressed and stretched beyond belief. It’s an open question of what the supply chain will actually look like when the pandemic eases. We’ve gathered a collection of insights from experts that provide context, information, and advice for both suppliers and logistics
- [Retail wrestles with COVID-19 around the world](https://paymentsnext.com/retail-wrestles-with-covid-19-around-the-world/) - Other than hospitals, no one is harder hit than retailers around the world and online. Merchants face growing challenges with their supply chain, overwhelming consumer demand or lack of demand, forced closures by some governments, decreased shopping by many consumers, and hoarding of products by other consumers, diminishing supplies and driving up prices for some
- [3 weeks later, COVID-19 is no longer a "Chinese virus"](https://paymentsnext.com/3-weeks-later-covid-19-is-no-longer-a-chinese-virus/) - While US payments, fintech, and e-commerce are our focus, we tend to look globally for insight and business intelligence. Six weeks ago we took an early look at the incidence of coronavirus and its impact on key business sectors we cover. We decided to reexamine the incidence of the virus and also present another roundup
- [How will the coronavirus affect fintech?](https://paymentsnext.com/how-will-the-coronavirus-affect-fintech/) - With financial markets plummeting and whole countries under quarantine, it is unclear what the fintech industry will look like after the global pandemic. The chaotic effects of the coronavirus outbreak are not limited to financial markets, but business operations across a widening range of industries. The infodemic, the spread of false information about COVID-19, is
- [A terrible case of coronavirus impact on global business](https://paymentsnext.com/a-terrible-case-of-coronavirus-impact-on-global-business/) - We’ve got our usual Friday weekly roundup of global payments news. The theme this week is COVID-19 and it’s growing impact on business evident in the lineup of stories below. First, the markets were in absolute pandemic pandemonium with no other apparent trigger for a massive market correction than what some analysts say was several
- [Why 2020 is the year of cross-border e-commerce in Japan](https://paymentsnext.com/why-2020-is-the-year-of-cross-border-e-commerce-in-japan/) - Kelvin Phua, Global Head of Payment Networks at PPRO, explores the possibilities offered by the cross-border e-commerce market in Japan Japan is the world’s third-biggest economy. Its GDP per capita is just under USD 40,000, according to GDP per capita (current USD) - Japan, World. The World Bank. That’s almost four times the global average. The average Japanese consumer
- [What's the world's biggest online marketplace? Hint, not Amazon](https://paymentsnext.com/whats-the-worlds-biggest-online-marketplace-hint-not-amazon/) - One might assume Amazon is the world's largest e-commerce marketplace and you'd be wrong according to a new report by Digital Commerce 360. While $2.03 trillion was spent globally on the top 100 online marketplaces in 2019, Amazon managed to come in third with $339 billion (+25.3%) in 2019 sales, exceeded by Alibaba and its
- [Walmart’s new membership challenges Amazon Prime: Analysis](https://paymentsnext.com/walmarts-new-membership-challenges-amazon-prime-analysis/) - Hey Amazon Prime, meet your new membership neighbor – Walmart+. Walmart’s new paid membership program is a direct shot across the bow at e-commerce competitor Amazon Prime and it should provide some interesting competitive benefits for online shoppers. While Walmart is not yet releasing details, industry analysts expect it could launch testing as soon as
- [March 4: Big global payments news roundup](https://paymentsnext.com/march-4-big-global-payments-news-roundup/) - There is so much happening in the payments and e-commerce world globally, it’s time to do a solid news roundup and share some of the best links to let you pick and choose the payments news you need to know. Let’s get at it. China’s Ant Financial buys small stake in Swedish firm Klarna Klarna,
- [Unlimited Coffee-as-a-Service?](https://paymentsnext.com/unlimited-coffee-as-a-service/) - It was inevitable. You can get pretty much Anything-as-a-Service thanks to the cloud. That includes payments, banking, insurance, investment advice, cloud storage, clothing, groceries, and now coffee. That's right. Coffee-as-a-Service, for just $8.99 a month, courtesy of Panera Bread. Right now, millions of impoverished students are dancing in the dorms at campuses across the country
- [Coronavirus is chilling US retail sales in-store and online](https://paymentsnext.com/coronavirus-is-chilling-us-retail-sales-in-store-and-online/) - While retail sales started the year on a positive note in-store and online, the threat of Coronavirus is now having a measurable impact on retail sales in addition to the earlier impact on the supply chain from China. Despite the smirking denials on FOX News and slow, confusing response by the White House, concern is
- [Banking hurdles: 5 Issues small businesses are facing](https://paymentsnext.com/banking-hurdles-5-issues-small-businesses-are-facing/) - By Cameron Peake, co-founder & CEO of Azlo As a founder who has spent most of my career in financial services, I intimately know the unnecessary hurdles that small business owners face when it comes to banking. Whether you’re trying to open a bank account, send payments and transfers, or simply separate your business and
- [Coronavirus raises global fear for health & economy](https://paymentsnext.com/coronavirus-raises-global-fear-for-health-economy/) - Like the SARS pandemic before it, the new coronavirus has everyone on edge from health and immigration officials, manufacturers, tourism operators, and retailers to international traders, financial markets, and probably your neighbor next door worried about their own personal health risk and the unknown impact on the economy. When you think about it, many industries
- [Inside the $7.1 billion Intuit - Credit Karma deal](https://paymentsnext.com/inside-the-7-1-billion-intuit-credit-karma-deal/) - Yesterday’s announcement of the planned $7.1 billion acquisition of Credit Karma by Intuit represents the impact and the opportunity that fintech presents to more traditional financial services companies. Founded in 1983, Intuit grew into a global giant by providing accounting, tax filing, and financial planning software and owns well-known brands including QuickBooks, TurboTax, and Mint.
- [Brazil’s Central Bank plans new real-time digital payment system](https://paymentsnext.com/brazils-central-bank-plans-new-real-time-digital-payment-system/) - Brazil’s central bank – Banco Central do Brasil (BCB) – launched testing of a new real-time digital payment system based on QR codes and is expected to go live by November this year. Use of the new payment system called PIX will be mandatory for regulated banks and financial institutions with more than 500,000 customers
- [Walmart wrestles with retail while e-commerce soars](https://paymentsnext.com/walmart-wrestles-with-retail-while-e-commerce-soars/) - Walmart really is a tale of two channels. Annual sales grew 1.9%, reaching $524 billion for the fiscal year 2020 as the company wrestled with the same overhead and profit challenges of many of its retail competitors. The good news is e-commerce sales rose substantially by 35% and the company website had its highest quarterly
- [Future of Money Study sees new payments methods ahead](https://paymentsnext.com/future-of-money-study-sees-new-payments-methods-ahead/) - Money matters to consumers and the new Future of Money market research by Logica shows changes ahead in how we pay for things in the future. And those changes are coming fast. Digital payments are growing, but cards still are the leading payment method used by Americans. The study shows that while payment habits and
- [Robo advisors will reach $2.5 trillion in assets managed in 2023](https://paymentsnext.com/robo-advisors-will-reach-2-5-trillion-in-assets-managed-in-2023/) - According to data from LearnBonds.com, the value of assets under management by Robo advisors will grow from $1.44 trillion globally this year, up 47% from last year, and could reach $2.55 trillion by 2023. Robo advisors debuted almost a decade ago with the launch of Betterment and Wealthfront in the US. In 2017, assets under
- [Bitcoin ATMs still growing in US and worldwide](https://paymentsnext.com/bitcoin-atms-still-growing-in-us-and-worldwide/) - While bitcoin has recovered value substantially in the past 30 days, rising last week above $10,000 in trading, adoption is also showing some encouraging signs based on the growth in bitcoin ATMs in the US and abroad. Bitcoin Depot recently reached 545 bitcoin ATMs in operation in the US, making it the largest network in
- [Valentine’s Day 2020 will warm retailers’ hearts](https://paymentsnext.com/valentines-day-2020-will-warm-retailers-hearts/) - US consumers are expected to spend more than $27.4 billion this year on Valentine’s Day, an increase of 32% from last year. That’s enough to make many retailers' hearts grow fonder for sure. The National Retail Federation (NRF) said US retail sales grew 2.7% in January, setting up nicely for another happy Valentine’s Day for
- [N26 plans a Brexit exit from the UK](https://paymentsnext.com/n26-plans-a-brexit-exit-from-the-uk/) - One high-profile victim of Brexit is German digital bank N26 despite its notable success since launching less than two years ago in October 2018. By April 15, 2020, an estimated 3.5 million UK customers of the neobank will need to transfer deposits, move funds from their cards, withdraw money from an ATM, and change any
- [McKinsey: Asian banks must "disrupt themselves” to survive](https://paymentsnext.com/mckinsey-asian-banks-must-disrupt-themselves-to-survive/) - McKinsey & Company is out with a new analysis of the future of banking in Asia and it may be an eye-opener for some. Asian banks traditionally looked to the West for product and service ideas and business models. That’s definitely changed in the past five years as the region’s economy grew dramatically. Growth, profitability,
- [ChargeAfter gets Visa investment & network access](https://paymentsnext.com/chargeafter-gets-visa-investment-network-access/) - Point of sale financing platform ChargeAfter got a big boost with a strategic investment and network access to Visa’s network of sellers, acquirers and issuing banks. The new partnership provides Visa’s network of issuing banks access to ChargeAfter to offer Visa cardholders with more financing options and flexibility in point of sale payments when buying
- [Flipkart consolidates in India e-commerce market](https://paymentsnext.com/flipkart-consolidates-in-india-e-commerce-market/) - The Indian e-commerce market is projected to grow more than 85% from $49 billion (INR3.4 trillion) in 2019 to $91 billion (INR6.3 trillion) in 2023, according to data and analytics company GlobalData. That compares to the estimated $586 billion-plus US consumers spent in 2019 on e-commerce. Within the rapidly growing Indian e-commerce marketplace, Walmart-owned Flipkart
- [7-Eleven testing first cashierless store at head office](https://paymentsnext.com/7-eleven-testing-first-cashierless-store-at-head-office/) - They’ve tried drone deliveries of Slurpees and now 7-Eleven is testing a completely cashierless store at its Irving, Texas headquarters. The fast-food giant announced the pilot in a news release saying a 700 sq ft, non-traditional convenience store is now operating and available for employees only while it tests out its new cashierless technology. The
- [Loyalty program fraud growing fast; merchants unprepared](https://paymentsnext.com/loyalty-program-fraud-growing-fast-merchants-unprepared/) - When it comes to loyalty program fraud, merchants are unprepared, and consumers are uninformed about the risk to their personal information and their hard-earned rewards according to e-commerce fraud prevention experts Forter. Loyalty program fraud is growing fast and merchants are simply not ready to prevent attacks: 42% of companies surveyed say they lack the
- [Invoiced hits $10 billion in automated accounts receivables](https://paymentsnext.com/invoiced-hits-10-billion-in-automated-accounts-receivables/) - The global automated accounts receivables marketplace was estimated at $1.7 billion in 2019 and is expected to grow at an annual rate of 12.1% to reach $3 billion by 2024 according to research by MarketsandMarkets. The US is also one of the largest markets in the world for accounts receivable financing with an estimated volume of $120 billion in receivables financed through installments
- [N26 hits 250,000 digital-only US bank customers in 5 months](https://paymentsnext.com/n26-hits-250000-digital-only-us-bank-customers-in-5-months/) - Berlin, Germany-headquartered digital bank N26 has signed up more than 250,000 digital-only bank customers in just five months since launching in the US in August 2019. One of the numerous challenger banks disrupting the traditional banking system in the US and abroad, it partnered with Axos Bank to launch services in the US. It’s clear
- [Scams plague online gaming industry, Super Bowl too](https://paymentsnext.com/scams-and-regulatory-issues-plague-online-gaming-industry-super-bowl-too/) - In the run-up to the Super Bowl LIV, iovation released its 2020 iGaming Report, providing an analysis of more than 4 billion online gambling transactions from the past 15 years and screened for fraud by the company. The biggest reported fraud for the third year in a row was “bonus abuse” which grew 72% in
- [Amazon provides powerhouse earnings report](https://paymentsnext.com/amazon-provides-powerhouse-earnings-report/) - Amazon over-delivered in its Q4 earnings results big time. The online giant reported earnings of $6.47 per share vs analyst expectations of $4.03 per share. It also outperformed on revenue with $87.44 billion, up 21%, compared to market expectations of $86.02 billion. The company said it expects Q1 revenue to range between $69 billion and
- [62% haven’t spent holiday gift cards yet](https://paymentsnext.com/62-havent-spent-holiday-gift-cards-yet/) - It’s the end of January. Do you know where your gift cards are? An important question for both retailers and consumers. Surprisingly, only 38% of consumers will likely have used their holiday gift card after one month and by the end of the year, as many as 19% of gift cards may remain unused according
- [Google’s global shopping insights show omnichannel eye-openers](https://paymentsnext.com/googles-global-shopping-insights-show-omnichannel-eye-openers/) - Google’s 2019 global shopping insights report shows that consumers are increasingly becoming omnichannel creatures of habit. The implication is that retailers and online sellers need to be very conscious of what the new customer journey looks like and the critical points that influence purchases online and in-store. Omnichannel highlights When it comes to the crossover
- [NYC bans cashless-only payments in stores and restaurants](https://paymentsnext.com/nyc-bans-cashless-only-payments-in-stores-and-restaurants/) - New York City, the country’s largest, became the third US city to banish cashless-only transactions following similar bans in San Francisco and Philadelphia as well as the ban imposed by the state of New Jersey. Critics have long claimed cashless-only transactions disadvantage the poor, the un-banked, and those without digital resources. The New York ban
- [Latest Magecart e-commerce attack hits nonprofit Australian brushfire donors](https://paymentsnext.com/latest-magecart-e-commerce-attack-hits-nonprofit-australian-brushfire-donors/) - What do these companies all have in common? British Airways, Ticketmaster, Newegg, Delta Airlines, Sears, Proctor & Gamble, and Macy’s. If you’re in the payments industry, you might think that the high-level security of their e-commerce and online customer data might be a common thread. That’s not completely the case as each of these well-known
- [Why Neobanks are gaining ground with UK consumers and business](https://paymentsnext.com/why-neobanks-are-gaining-ground-with-uk-consumers-and-business/) - New research by SmallBusinessPrices.co.uk analyzes how neobanks are on the rise and why they’re so popular with a growing number of UK banking customers compared to traditional banks. For traditional banks in the US, it’s also a sign of the banking customer disruption brewing and already underway in North America too. By mid-July last year, neobanks had
- [2020 will be a transformational year in payments technology](https://paymentsnext.com/2020-will-be-a-transformational-year-in-payments-technology/) - By Vinay Kashyap, Mainsail Partners As 2020 gets underway, the upheavals that shook the payments industry over the past year show no sign of ending. All signs point to transformational change in 2020. Top trends to watch in 2020 include the continued growth of embedded payments with business management software, an acceleration of the B2B
- [2020 predictions: Global growth of e-commerce](https://paymentsnext.com/2020-predictions-global-growth-of-e-commerce/) - By Stefan Merz, COO at PPRO The e-commerce market is set for exponential growth - it is predicted that global e-commerce retail sales are set to reach $4.9 trillion by the year 2021 - and the next 12 months will see this momentum continue. Its influence on the retail sector has been growing and growing,
- [Amazon calls PayPal’s Honey discount shopping app a security risk](https://paymentsnext.com/amazon-calls-paypals-honey-discount-shopping-app-a-security-risk/) - When we last covered Honey last November, it was just acquired by PayPal for $4 billion. Analysts weren’t quite sure what to make of PayPal’s strategy and the price paid for the acquisition. In an unusual move just before Christmas, Amazon began posting messages calling out the popular discount shopping and rewards app as a
- [Visa, Samsung collaborate on payments and smartphone POS solution](https://paymentsnext.com/visa-samsung-collaborate-on-payments-and-smartphone-pos-solution/) - A new collaboration between Visa and smartphone maker Samsung electronics brings simple mobile point-of-sale (mPOS) payment capability to millions of businesses without the need for expensive hardware, maintenance, and training. Visa’s Tap to Phone makes it easy for sellers to use Samsung’s new Galaxy XCover Pro Android smartphones to accept payments without any additional hardware.
- [Standard Chartered launches first payments tracking ahead of SWIFT Nov 2020 deadline](https://paymentsnext.com/standard-chartered-launches-first-payments-tracking-ahead-of-swift-nov-2020-deadline/) - Back in July 2019, more than 50 banks and corporations signed up with SWIFT to initiate SWIFT GPI tracking of international payments as a way to enhance e-commerce and cross-border business in advance of the November 2020 deadline for users of SWIFT’s payments clearing system. This followed a test of the service in 2018 by
- [Mastercard holders get augmented reality app to view benefits](https://paymentsnext.com/mastercard-holders-get-augmented-reality-app-to-view-benefits/) - The Consumer Electronics Show (CES) brought an interesting launch by MasterCard for an augmented reality (AR) app designed to give cardholders a 3-D, 360-degree view of their credit card benefits. Say what? That’s right, MasterCard users will be able to see, explore, and access their card benefits through a view provided by the new augmented
- [Hey Alexa, fill up my gas tank](https://paymentsnext.com/hey-alexa-fill-up-my-gas-tank/) - It’s getting to the point where voice skills like Amazon Alexa and Google Assistant can do just about everything except give the kids a bath. The timing of announcements about services around the US Consumer Electronics Show (CES) shows how Amazon hopes to dominate in-your-auto services in the same way as it provides voice skills
- [Research: Digital banking on the horizon for most consumers](https://paymentsnext.com/research-digital-banking-on-the-horizon-for-most-consumers/) - A new study by global card provider Marqeta shows many US and UK consumers are poised to pick digital-only banking as a financial services option. The Marqeta Digital Banking Survey shows digital-only banking–mobile banking apps have surpassed physical branches as the most critical touchpoint of consumers’ banking experience. In a telling insight, only 33% of Americans
- [Happy holiday online sales get retailers smiling](https://paymentsnext.com/happy-holiday-online-sales-get-retailers-smiling/) - While overall retail sales grew during this year’s holiday season, it was mostly online sales that delivered results with in-store sales stagnant or down in most department stores and retail outlets. Super Saturday sales, the last Saturday sales day before Christmas, reached a record $34.4 billion, the biggest single sales day in US retail history,
- [10 new disruptive holiday spirits for gifts and celebration](https://paymentsnext.com/10-new-disruptive-holiday-spirits-for-gifts-and-celebration/) - The spirits and beverage industry is being disrupted just like the payments and financial world. Craft beers have displaced Bud and Miller. Craft distilleries are doing the same with tequila, vodka, rum, and other hard spirits. And of course, boutique wineries have thrived for years as new consumers come of age. One of the most
- [Holiday e-commerce returns could hit $41.6 billion](https://paymentsnext.com/holiday-e-commerce-returns-could-hit-41-6-billion/) - There’s a costly hitch to the happy e-commerce sales estimated at $138.5 billion for 2019. CBRE Group and Optoro estimate the cost of product returns from US online customers during the busy holiday season could reach $41.6 billion. The cost of this reverse logistics problem is huge for online sales where returns typically reach between
- [Holiday sales cheer mixed with bot and mobile cyberattack headaches](https://paymentsnext.com/holiday-sales-cheer-mixed-with-bot-and-mobile-cyberattack-headaches/) - The good news is US Black Friday weekend holiday sales grew an estimated 19.7% according to Adobe Analytics. The bad news according to LexisNexis® Risk Solutions (LNRS) is that fraudulent sales grew substantially as well, including a big jump in cyberattacks by bots and mobile transaction fraud. Among the Black Friday weekend sales fraud highlights
- [Consumers trust bank digital identity security, convenience](https://paymentsnext.com/consumers-trust-bank-digital-identity-security-convenience/) - Despite the high profile of big digital security failures, consumers say they trust banks most with the security and convenience of their digital identity according to new research from Mitek. Mitek found digital identity is becoming a key enabler for online banking and on-demand financial services. In fact, it’s almost hard to imagine life before
- [Robinhood launches fractional share investing](https://paymentsnext.com/robinhood-launches-fractional-share-investing/) - Last week, Menlo, CA headquartered fintech investment app Robinhood launched fractional share trading that allows investors to buy as little as one-millionth of a share or one dollar of any stock for no fee. It’s not the only fractional share service out there but it's now the service offering the smallest share fraction for traders
- [Dec 13 Global payments news roundup](https://paymentsnext.com/dec-13-global-payments-news-roundup/) - Here’s your weekly global payments news roundup, all wrapped up in one handy reading package. Juniper Research reports global remittances hit $682.6 billion in 2018 with much more on the horizon. We look closely at the growth of fake five-star reviews on Amazon and other social media and its impact on online shopping. Ten Canadian
- [International remittances grew 11% and big growth is ahead](https://paymentsnext.com/international-remittances-grew-11-and-big-growth-is-ahead/) - Remittances are a multi-billion-dollar industry and the latest Juniper Research offers valuable insight into the size of the market, the biggest sending and receiving countries, and what’s on the horizon for remittances in the future as a result of digitization. In 2018, international remittances through formal channels totaled $682.6 billion, up from $613 billion, an
- [The leapfrog effect: Overcoming barriers in global payment infrastructure](https://paymentsnext.com/the-leapfrog-effect-overcoming-barriers-in-global-payment-infrastructure/) - By Steve Villegas, VP Payment Partnerships, North America at PPRO Over the last decade, we have seen an explosion in FinTech ushering a new era of commerce. Payment innovations and new solutions have closed the technology gap and have connected consumers all around the world — even those without bank accounts — to the digital
- [Canadian credit unions launch Android phone payments with Google Pay](https://paymentsnext.com/canadian-credit-unions-launch-android-phone-payments-with-google-pay/) - Ten credit unions launched the Interac Debit payment system with Google Pay, allowing Canadian consumers to pay for purchases using their Android phones. Canadians have used the interact debit payment system for more than 20 years and this marks a big step forward for Google Pay in its efforts to expand its footprint in banking
- [Five-star fakes and other phony reviews hurt Amazon and consumers](https://paymentsnext.com/five-star-fakes-and-other-phony-reviews-hurt-amazon-and-consumers/) - In Amazon we trust. Many online buyers check Amazon and other online product reviews and prices before purchasing online. Understandable, but are we being faked out by fake product reviews? Here are a few quick facts from G2 about how important consumers think reviews are: Nearly 95% of shoppers read online reviews before making a
- [Dec 7 Global payments news roundup](https://paymentsnext.com/dec-7-global-payments-news-roundup-2/) - Global payments news was humming this week and we’ve got a news roundup to keep you on top of the latest developments. With a record US Black Friday sales weekend, fraud prevention firm iovation estimates 15% of transactions online were fraudulent. The record US Black Friday sales topped $9.4 billion according to Adobe Analytics. Wikibuy
- [Online grocery shopping and what it means for online retailers](https://paymentsnext.com/online-grocery-shopping-and-what-it-means-for-online-retailers/) - Online grocery shopping is a growing trend that major retailers have already zeroed in on, offering everything from dairy and produce to packaged foods and other goods. You may (or may not) have noticed this trend depending on where you live. People living in bustling urban areas tend to shop for groceries online more than
- [15% of US online holiday sales potentially fraudulent](https://paymentsnext.com/15-of-us-online-holiday-sales-were-fraudulent/) - When it comes to online fraud, US Thanksgiving was a turkey for online sellers as online fraud jumped 29% compared to 2018 according to new research from fraud prevention firm iovation. The company estimates 15% of total holiday long weekend online sales were potentially fraudulent. With online shopping sales of $81.5 billion from Nov 1
- [Cyber Monday sends sales records tumbling](https://paymentsnext.com/cyber-monday-sends-sales-records-tumbling/) - The results are all in except for the exchanges and gift returns and Cyber Monday set record US online sales of more than $9.4 billion, up 19.7% over last year, according to Adobe Analytics. Even more noteworthy was the $3 billion spent using smartphones on Cyber Monday, a sign of things to come in retail
- [US Black Friday breaks records with $7.4 billion sold online, +19%](https://paymentsnext.com/us-black-friday-breaks-records-with-7-4-billion-sold-online-19/) - Black Friday broke record online sales in the US with $7.4 billion purchased by online shoppers according to Adobe Analytics which highlighted three trends: • Average order value grew 5.9% over Black Friday last year to a record of $168. • Smartphones accounted for 39% of online sales – $2.9 billion on Black Friday, up
- [Thanksgiving Day online sales tasty, up 14.5%](https://paymentsnext.com/thanksgiving-day-online-sales-tasty-up-14-5/) - Knowing that time is at a premium on this holiday weekend, we’ll just rattle off a few quick holiday sales headlines with links and you can pick what you want to read while you enjoy your leftover Thanksgiving turkey sandwich. Tasty! That would pretty much sum up the first day of Thanksgiving sales online which
- [Ready, fire, aim: Black Friday sales start early; projections positive](https://paymentsnext.com/ready-fire-aim-black-friday-sales-start-early-projections-positive/) - It’s already over, except for the actual holiday sales according to the pundits and analysts and there's not a turkey among them. Here’s a quick snapshot of who’s predicting what for Black Friday through Cyber Monday as well as the entire 2019 holiday sales season. Adobe Analytics said holiday sales rose 15% from November 1
- [How's holiday shopping shaping up for consumers and retailers?](https://paymentsnext.com/hows-holiday-shopping-shaping-up-for-consumers-and-retailers/) - Don’t be too fast to write off bricks and mortar retailers during this holiday shopping season. According to new research from Experian, 52% of consumers will shop in a retail store this year compared with 26% who plan to shop online and 22% on their mobile devices. Holiday shopping strain A large majority of US
- [Who dominates India’s $1 trillion payments market?](https://paymentsnext.com/who-dominates-indias-1-trillion-payments-market/) - Credit Suisse predicts India’s payments market will be worth more than $1 trillion by 2023. Guess who’s already dominating this burgeoning payments market? You might be surprised to learn that it’s two American companies that are leading the payments industry in India – Google Pay and Walmart-owned PhonePe (acquired in its $16 billion purchase of
- [Nov 22 Global payments news roundup](https://paymentsnext.com/nov-22-global-payments-news-roundup/) - Yes, we know you’ve been watching the impeachment hearings but it’s time to get caught up on global payments news from around the globe. We start with PayPal’s acquisition of shopping and rewards technology company Honey and why it makes strategic sense. TransUnion takes a look at merchant fraud risk during the holiday season. Our
- [PayPal seeks rewards gold in Honey acquisition](https://paymentsnext.com/paypal-seeks-rewards-gold-in-honey-acquisition/) - PayPal announced the acquisition of Los Angeles-based consumer shopping and rewards technology company Honey for $4 billion. Launched in 2012, Honey has 17 million active users who use the platform to find savings as they shop online at more than 30,000 participating online merchants in every product category. Honey says it has helped consumers save
- [TransUnion fraud survey highlights merchant holiday sales risks](https://paymentsnext.com/transunion-fraud-survey-highlights-merchant-holiday-sales-risks/) - With Black Friday and Cyber Monday approaching, online sellers are gearing up for the most important sales event of the year. Unfortunately, fraudsters are also gearing up and consumers are concerned. According to a new report from TransUnion, nearly half of consumers (46%) are worried about becoming a victim of fraud this holiday season, yet
- [How to expand your business into Latin America](https://paymentsnext.com/how-to-expand-your-business-into-latin-america/) - By Javier Vallaure, General Manager LATAM at PPRO Latin America is a continent of contrasts – both culturally and economically. The region comprises countries whose per capita GDP compares favorably with mid-ranking European nations, but also those whose citizens are among the poorest globally. Despite the wide variation, consumers are buying online in increasing numbers
- [Nov 15 Global payments news roundup](https://paymentsnext.com/nov-15-global-payments-news-roundup/) - Here’s what we found noteworthy in the global payments news this week. Brightwell with NCR is growing its payments niche market with cruiseship crews. Google Bank? The tech giant announced plans for a new banking account service in partnership with Citigroup. A record $38.4 billion for Alibaba in one Singles Day 24-hour. Yowza! We also
- [Cruising for payments: Brightwell grows unique market niche](https://paymentsnext.com/cruising-for-payments-brightwell-grows-unique-market-niche/) - Atlanta fintech company Brightwell Payments is growing substantial business in a unique market by helping underserved global workers get paid as well as send and spend money safely and easily worldwide. Brightwell and NCR announced the two companies will collaborate to provide financial services including cross-border remittance, P2P transfers, digital bank accounts and ATM access
- [Welcome to Google Bank?](https://paymentsnext.com/welcome-to-google-bank/) - It’s official. In 2020, Google will introduce checking accounts for its Google Pay customers in partnership initially with Citigroup and Stanford Federal Credit Union. Analysts expect the new checking account will not carry the Google name but rather be branded with the partner bank name. That’s a curious marketing decision at first glance but analysts
- [All you need to know about 2019 Singles Day sales](https://paymentsnext.com/all-you-need-to-know-about-2019-singles-day-sales/) - The numbers are in and it was another massive Singles Day sales success with more than $38.4 billion in sales in just 24 hours. That’s more than Amazon’s entire third-quarter sales – in one day. The best way to get a handle on it is to simply look at the data from Alibaba’s news release,
- [Follow the money bias](https://paymentsnext.com/follow-the-money-bias/) - It’s Veterans Day in the US, Remembrance Day in Canada, and Armistice Day in the UK where we reflect and honor military veterans and those who served our countries in the past. Thank you for your service! In this same spirit of reflection, I was thinking about a very compelling book I’ve been reading called
- [Nov 8 Global payments news roundup](https://paymentsnext.com/nov-8-global-payments-news-roundup/) - Let’s dive right into this week’s global news roundup. First, a look at where robo-advisory investment services are going. Next, we open the door to insight into how retailers can get more holiday sales. Free holiday delivery for Amazon Prime members will make online shoppers happy. Our guest author looks at how DNS attacks impact
- [Where are robo-advisory investment services headed?](https://paymentsnext.com/where-are-robo-advisory-investment-services-headed/) - In just 10 years, robo-advisory investment services have taken a moonshot in the number of clients and the value of assets managed on robo-advisory and related digital platforms. According to Aite Group research, robo-advisors could be managing more than $1.26 trillion in investments by 2023, up from $257 billion in 2018 and a compound annual
- [How can retailers get more holiday sales this year?](https://paymentsnext.com/how-can-retailers-get-more-holiday-sales-this-year/) - The holidays are where 30% of sales are made for the year according to the US National Retail Federation. McKinsey & Company report that nearly one-third of consumers expect to spend more this year than last, and retailers are going to need to personalize in order to capture those sales. In its 2019 Holiday Season
- [Financial services under attack: How DNS security risks affect the sector](https://paymentsnext.com/financial-services-under-attack-how-dns-security-risks-affect-the-sector/) - By Ronan David, EfficientIP The financial services industry has a target on its back. Not from the typical regulatory or compliance issues, or even actual business performance. In this case, the focus is on the fact that these companies are hosting the personal and financial data of millions of people, and they are vulnerable. Weak
- [Partnership attacks two biggest barriers to US international e-commerce sales](https://paymentsnext.com/partnership-attacks-two-biggest-barriers-to-us-international-e-commerce-sales/) - With global e-commerce likely to reach a record of nearly $3.5 trillion in 2019, why are more US businesses not making bigger headway in growing their international e-commerce sales? New research from fraud prevention solution company Kount and payments processor BlueSnap suggests fraud concerns and payment processing challenges are the two biggest barriers facing US
- [Amazon launches free delivery holiday plans](https://paymentsnext.com/amazon-launches-free-delivery-holiday-plans/) - Hard on the heels of Best Buy’s free holiday delivery announcement last week, Amazon today released details of its expanded free delivery services for the upcoming holiday season. The new services will provide Amazon Prime members in the US with Free One-Day delivery for more than 10 million products. Amazon also expanded its Prime Free Same-Day
- [Nov 1 Global payments news roundup](https://paymentsnext.com/nov-1-global-payments-news-roundup/) - We’ve got payments news from around the globe to keep you informed about the latest industry developments. A new Jumpshot report highlights the top 25 e-commerce leaders, who’s hot and who’s not. According to Findr.com, 14% of US adults now own cryptocurrency, up 81% over last year. Can you spell FOMO? Our guest post from
- [US e-commerce top 25: Who’s hot, who’s not, and why?](https://paymentsnext.com/us-e-commerce-top-25-whos-hot-whos-not-and-why/) - Online consumer research company Jumpshot is out with a new research report that provides helpful insight into the top 25 US e-commerce sites and what direction these leaders are headed – both up and down. In its analysis of more than 1.5 billion US online transactions in the first nine months of 2019, Jumpshot’s analysis
- [Cryptocurrency now on the radar of 14% of US investors](https://paymentsnext.com/cryptocurrency-now-on-the-radar-of-14-of-us-investors/) - With the value of bitcoin rising this year, cryptocurrency is back on the radar of US investors and consumers, even if the whipsaw in market values is likely to give some a migraine. New research from Finder.com shows just how far cryptocurrency has come as it reports the number of Americans who own a cryptocurrency
- [The pros and cons of cashless businesses](https://paymentsnext.com/the-pros-and-cons-of-cashless-businesses/) - We’ve all gone on wild goose chases looking for the nearest ATM after learning a local business only accepts cash. But now more than ever, businesses are heading in the opposite direction: refusing to accept cash and only accepting plastic. Some notable examples include Amazon Go, Sweetgreen, and Mercedes-Benz Stadium, home to the NFL’s Atlanta
- [Oct 26 Global payments news roundup](https://paymentsnext.com/oct-26-global-payments-news-roundup-2/) - Another week, another great global payments news roundup for you. Best Buy just threw down the free next-day holiday delivery gauntlet for its competitors. Kount and BlueSnap have partnered to enable and encourage international e-commerce for US companies. Look, up in the sky, it’s Wing drones delivering packages to home for FedEx and Walgreens in
- [Best Buy takes on holiday competitors with free next-day delivery](https://paymentsnext.com/best-buy-takes-on-holiday-competitors-with-free-next-day-delivery/) - Holiday season sales haven’t really started yet but the competition for online sales coupled with special free or discount delivery options just heated up. Best Buy announced it will offer free next-day delivery on online purchases over $35 through Christmas Day for the first time. The home electronics retailer will also offer the option of
- [Home delivery by drone on a Wing and a prayer](https://paymentsnext.com/home-delivery-by-drone-on-a-wing-and-a-prayer/) - Residents of Christiansburg, Virginia will be looking to the sky a lot more in the near future, and it won’t be with a prayer. Rather, they’ll be buzzing about Walgreens, FedEx and Sugar Magnolia package deliveries by Alphabet subsidiary Wing Aviation’s fleet of drones. Walgreens is offering a list of more than 100 products for
- [Mastercard launches B2B payment on delivery](https://paymentsnext.com/10088-2/) - Mastercard launched Payment on Delivery, a new solution that lets businesses pay a supplier in real-time when receiving goods or services. The company is piloting the program with PNC Bank, which uses the RTP® network from The Clearing House for real-time payments clearing and settlement capabilities. MasterCard is targeting industries with complex distribution networks and
- [Oct 18: Global payments news roundup](https://paymentsnext.com/oct-18-global-payments-news-roundup/) - The global payments news is just about as busy as the impeachment proceedings in the US but we've got important payments news to share. Lightico research looks at what Gen Z wants from their bank and it’s way more digital than their Dad’s bank. Juniper Research says financial services in emerging markets will be mobile
- [10 e-commerce order fulfillment stats that will shock you](https://paymentsnext.com/10-e-commerce-order-fulfillment-stats-that-will-shock-you/) - If you’re like most e-commerce and online sellers, online shopping cart abandonment may be causing you to lose between 60% and 80% of potential sales in addition to other problems caused by fulfillment order challenges. Here are 10 e-commerce shopping cart and order fulfillment stats that will shock you. The average cart abandonment rate in
- [Emerging market mobile financial services will grow 70% by 2024](https://paymentsnext.com/emerging-market-mobile-financial-services-will-grow-70-by-2024/) - So how big is the mobile financial services market in emerging markets? According to a new study from Juniper Research, the mobile financial services market will be worth more than $1 trillion by 2024, up 70% from an estimated value of $580 billion in 2019. What do mobile money services look like today? After operating
- [India’s Paytm Mall sees profitability on the horizon](https://paymentsnext.com/indias-paytm-mall-sees-profitability-on-the-horizon/) - As the critical Festival shopping season begins, India’s Paytm Mall, the e-commerce subsidiary of payments and financial services company Paytm, is getting closer to profitability after several years of losses typical for a startup in the e-commerce business. "Paytm Mall business is close to break-even, USD 3 million EBIDTA loss a month and USD 1.2-1.3
- [Oct 11 Global payments news roundup](https://paymentsnext.com/oct-11-global-payments-news-roundup/) - Welcome to this week’s global payments news roundup. We unwrap holiday sales predictions for the UK – up 3.5%-4%, according to Coresight and the US up 3.8%-4.2% expected by the National Retail Federation. When it comes to converting clicks to bricks, a new report from Retail TouchPoints and TimeTrade offers growth strategies on how to
- [Converting clicks to bricks: Five new retail growth strategies](https://paymentsnext.com/converting-clicks-to-bricks-five-new-retail-growth-strategies/) - The impact of digital on bricks and mortar retail is developing fast with some occasional surprising twists and turns. While e-commerce only makes up 11% of total US retail sales, that’s changing fast and retailers need to be nimble in finding new ways to convert clicks to bricks. Retail TouchPoints and TimeTrade are out with
- [UK 2019 holiday retail outlook is upbeat and online](https://paymentsnext.com/uk-2019-holiday-retail-outlook-is-upbeat-and-online/) - It’s beginning to look a lot like Christmas and online sales all throughout the Empire. The good news according to the latest findings from Coresight Research is that 2019 holiday sales are expected to be up 3.5% to 4% compared with last year. That puts holiday retail sales on track to reach a midpoint estimate of
- [Oct 4 Global payments news roundup](https://paymentsnext.com/oct-4-global-payments-news-roundup/) - Welcome to the weekly global payments news roundup where it’s beginning to feel a lot like Christmas sales predictions. At least according to the National Retail Federation, which says holiday sales should be up 3.8%-4.2% over last year. We profile a new banking app Cleo which has great features and tons of AI attitude. So,
- [2019 US holiday sales should grow 3.8%-4.2%](https://paymentsnext.com/2019-us-holiday-sales-should-grow-3-8-4-2/) - The National Retail Federation (NRF) predicts sales this holiday season should be up 3.8%-4.2% over last year. Despite concerns about a hangover from China-US tariff disputes, the NRF is hoping US holiday sales will reach between $727.9 billion and $730.7 billion, excluding auto, gasoline and restaurant sales. Other analysts are somewhat more optimistic with Deloitte
- [Finally, a BFF bank app for Gen-Zennials](https://paymentsnext.com/finally-a-bff-bank-app-for-gen-zennials/) - Yo! You knew it was just a matter of time before your kids got a bank app that only speaks their language and doesn’t want to talk to Boomers at all, right? When a news release announcing its US banking app launch starts like this, you know you’re into radical territory: “Cleo, the money management
- [GoCardless launches international ACH debit payments in US](https://paymentsnext.com/gocardless-launches-international-ach-debit-payments-in-us/) - UK headquartered GoCardless launched services to enable international ACH (Automated Clearing House) debit payments for US companies in more than 30 countries around the world. The new service also enables easy US payments to GoCardless’s existing 40,000-plus international customers. GoCardless has built a global bank debit network to rival credit and debit cards and is designed
- [Are you a global payments expert? Take the test!](https://paymentsnext.com/are-you-a-global-payments-expert-take-the-test/) - GoCardless is out with a new report on payments preferences in 10 major markets that comprise 80% of global e-commerce. The report gives us valuable insights into consumer payments preferences in 10 countries. We’ve got a quick quiz to see how much you know about the payments landscape in each of these important e-commerce markets.
- [Sept 27 Global payments industry news roundup](https://paymentsnext.com/sept-27-global-payments-industry-news-roundup/) - It’s definitely the busy season and we’ll help you save time with this week’s global payments industry news roundup. Narvar tells us what customers hate most about returning products and what to do about it. Macy’s same-day delivery program sets a new bar for US retail. US mobile payments – we’re not there yet but
- [Many happy returns: What makes customer returns an e-commerce asset?](https://paymentsnext.com/many-happy-returns-what-makes-customer-returns-an-e-commerce-asset/) - Product returns are one of the biggest e-commerce business challenges. They’re expensive in time, staffing, logistics, and overall cost. They’re frustrating for customers. According to research from Narvar, properly handled and managed, customer returns can turn into an e-commerce asset. In fact, research shows 96% of consumers will shop with a retailer again if customer
- [Macy’s same-day delivery is a new reality for retailers](https://paymentsnext.com/macys-same-day-delivery-is-a-new-reality-for-retailers/) - Macy’s announcement of a new, free, same-day delivery program for hundreds of thousands of products, creates a whole new US retail reality. As if retailers didn’t have enough competition from Amazon, Walmart, Target and other e-commerce sellers, Macy’s just set the home-delivery bar higher than ever for US retailers. 30 cities, thousands of products In
- [US mobile payments: Are we there yet?](https://paymentsnext.com/us-mobile-payments-are-we-there-yet/) - Let’s face it, the mobile payments landscape is moving as slowly as the proverbial LA traffic jam. There’s a purse or wallet full of reasons for the slow adoption in the US including legacy systems, cost, merchant reluctance, the strong appeal of card rewards, and plain old consumer resistance to change. The debit and credit
- [Sept 20: Global payments news roundup](https://paymentsnext.com/sept-20-global-payments-news-roundup/) - Time flies when you’re in the payments industry and we’ve got some global payments news to help you quickly keep up with the latest. We look at Mitto, an innovative Spanish virtual card design for Gen Z and financed by mom and dad. Clarus Commerce research shows why consumers will pay for a premium loyalty
- [Premium loyalty programs research: Will customers pay?](https://paymentsnext.com/premium-loyalty-programs-research-will-customers-pay/) - Loyalty programs can generate substantial revenue when well-designed, created with substantial value and crafted to meet the needs of key customers. That old 80/20 marketing formula from your university business class still applies. That is, 80% of your revenue often comes from 20% of your customers and that’s where loyalty programs can prove effective. Clarus
- [Pay cash for Amazon via Western Union](https://paymentsnext.com/pay-cash-for-amazon-via-western-union/) - Apparently, cash is not on its deathbed after all. At least not yet at Amazon. Amazon is partnering with Western Union to expand its PayCode service so US online shoppers can now pay cash to buy that next 10-in-1 Instant Pot, Fire TV Stick, Donkey Kong Nintendo Switch or millions of other products at the
- [Mitto: A virtual card built for Gen Z, financed by mom and dad](https://paymentsnext.com/mitto-a-virtual-card-built-for-gen-z-financed-by-mom-and-dad/) - Mitto is banking that 14-year-old and older Generation Z consumers will want their very own digital wallet and virtual debit card. All financed by mom and dad, of course. And it's raised $2.2 million in new VC funding to reach out and touch Gen Z consumers and their parents to convince them that all the
- [Is your merchant data at risk from your payments provider?](https://paymentsnext.com/is-your-merchant-data-at-risk-from-your-payments-provider/) - It’s one of the payment industry’s ugly secrets and for companies with a business built on subscriptions, it’s a revenue and business continuity risk that needs very close attention. The problem is that some company databases are virtually held hostage by their service providers, and that has to change according to Erich Litch, President and
- [Shave and a haircut: The must-have app](https://paymentsnext.com/shave-and-a-haircut-the-must-have-app/) - After being taken to the cleaners with any number of wild app ideas, it was just a matter of time before the haircut app was born. Introducing Shortcut – the app where you can find a five-star barber or stylist, book a haircut appointment at your office or home, and pay for it using a
- [Sept 13: Global payments news roundup](https://paymentsnext.com/sept-13-global-payments-news-roundup/) - Another week, another payments news roundup. Let’s dive in. How could $35 million in payroll and tax accounts go missing from cloud provider MyPayrollHR? We investigate. B2B cart abandonment is a surprisingly big and costly problem according to new research from MSTS. A new business credit card is launched by Stripe and it looks attractive.
- [Cloud payroll company up in smoke, $35 million missing](https://paymentsnext.com/cloud-payroll-company-up-in-smoke-35-million-missing/) - The $81 billion payroll processing business in the US is normally bedrock solid, made up of longtime players and innovative new payroll-as-a-service (PaaS), cloud-based fintech startups. Like the former subprime mortgage market, the US payroll industry seems too big to fail. MyPayrollHR just proved that thesis wrong to the tune of $35 million in payroll
- [China makes “cryptocurrency” moves for the future](https://paymentsnext.com/china-makes-cryptocurrency-moves-for-the-future/) - China’s moves to advance artificial intelligence leadership are well-documented and reflected by the fact that 19 of the top 50 largest patent registrations in the AI space are Chinese companies. The three largest are still US companies – IBM with 3000 applications Microsoft (1955), and Google (1659) – but just two years ago, China only
- [Overcoming obstacles on the path towards PSD2](https://paymentsnext.com/overcoming-obstacles-on-the-path-towards-psd2/) - By: Ralf Ohlhausen, Executive Advisor at PPRO The closer to the September 14 implementation deadline for the Regulatory Technical Standard (RTS) on SCA & CSC detailing much of the PSD2 legislation, the less room there is for lack of clarity about its stipulations. The RTS mandates a number of API processes and functionalities explicitly, but
- [Credit card of a new business Stripe](https://paymentsnext.com/credit-card-of-a-new-business-stripe/) - Hard on the heels of launching a new small business loans product – Stripe Capital last week, Stripe is out today with a new corporate credit card aimed at small business. The Stripe Corporate Card is designed to meet the needs of US startups and SMEs that need to buy supplies and provide credit cards
- [It’s not just the payments, it’s the B2B pain points](https://paymentsnext.com/its-not-just-the-payments-its-the-b2b-pain-points/) - Last week’s post on B2B cart abandonment really sparked some conversations and reflections on how fast B2B selling is changing. The bottom line was businesses are leaving a lot of money on the table by not ensuring a smooth process and top-notch e-commerce platform to sell to other businesses. MSTS research found 90% of business
- [Sept 6 Global payments news roundup](https://paymentsnext.com/sept-6-global-payments-news-roundup/) - Welcome to our first global payments news roundup for September. Lots of important news as we move into the busy fall business cycle. Accenture research shows UK challenger banks will triple in size in the next 12 months – substantial growth and the new competitive reality. Finder.com research shows the tab for US drunk shoppers
- [Report: UK challenger banks will triple size in 12 months](https://paymentsnext.com/report-uk-challenger-banks-will-triple-size-in-12-months/) - Accenture predicts UK digital-only challenger banks will triple in size from 12 million users to more than 35 million users in the next 12 months. A new Accenture report says five million new customers opened digital-only bank accounts in the first six months of 2019, reflecting 170% growth in customer acquisition. Challenger bank balances grew
- [EU mobile group building new cross-border payments network](https://paymentsnext.com/eu-mobile-group-building-new-cross-border-payments-network/) - Recognizing the threat from fintech startups as well as mobile powerhouses like Alipay, a group of seven European payments leaders has started building a new network focused on improving cross-border mobile payments in the EU. Headquartered in Zurich, the European Mobile Payment System Association’s (EMPSA) initial seven members include includes Danske Bank A/S’s MobilePay (Denmark
- [B2B cart abandonment: Hidden problems & possibilities](https://paymentsnext.com/b2b-cart-abandonment-hidden-problems-possibilities/) - MSTS is out with a new report on B2B sellers and buyer payment preferences. There are valuable insights and solutions to some of the challenges faced by B2B sellers, but one statistic shocked me. The research showed that 57% of B2B buyers did not complete a purchase for their companies because the vendor checkout process
- [US drunk shoppers spent $39.4 billion in 2018](https://paymentsnext.com/us-drunk-shoppers-spent-39-4-billion-in-2018/) - It’s Labor Day, so we thought we’d keep things a little lighter than usual here on Payments NEXT. We think there’s more investigation needed by our editorial team to see if the problem of drunk online shopping is bigger than it may appear. Stay tuned for our next update around Black Friday. You can read
- [Aug 30 Global payments news roundup](https://paymentsnext.com/aug-30-global-payments-news-roundup/) - We say hello to his week’s global payments news roundup and goodbye to the last weekend of the summer holidays. We start with $260 billion – that’s the amount of business lost by retailers due to shopping cart abandonment online. A social experiment from Lightico shows bank mobile applications are just not ready for prime
- [Cart abandonment costs online retailers billions](https://paymentsnext.com/cart-abandonment-costs-online-retailers-billions/) - Surf and turf window shopping costs UK retailers billions. New research from Barclaycard shows that UK online shoppers abandon their shopping carts to the tune of £18 billion ($21.9 billion) annually. This behavior is not unique to British consumers either as US and other online shoppers abandon tens of billions of dollar’s worth of products
- [Social experiment shows banks' mobile sign-ups fail](https://paymentsnext.com/social-experiment-shows-banks-mobile-sign-ups-fail/) - The poor traditional banks. Under siege from digital bank startups and well-financed fintechs. Profitable now, but potentially less so in the future. Unless they can figure out a way to attract new, younger, digital-savvy customers. A new social experiment by digital customer interactions company Lightico asked a group of college students to open a bank
- [Consumers curious about mobile apps but little mobile buying](https://paymentsnext.com/consumers-curious-about-mobile-apps-but-little-mobile-buying/) - Consumers are curious about mobile apps, but research shows they’re not doing much buying via company apps in the US to date. A PYMNTS/LISNR report surveyed 1,045 American consumers to learn how they use merchant apps to enhance in-store shopping and their interest in downloading more in the future. The results show potential, but not
- [Consumers are clicking and buying, but why aren’t 14% collecting?](https://paymentsnext.com/consumers-are-clicking-and-buying-but-why-arent-14-collecting/) - Click and collect, also called buy online pickup in-store (BOPIS), is often touted as the next big thing in the last-mile delivery of online purchases to consumers. In fact, nine out of 10 UK retailers say click and collect is the fastest-growing delivery option according to Barclaycard. Of course, retailers are happy to see the
- [Aug 23 Global payments news roundup](https://paymentsnext.com/aug-23-global-payments-news-roundup/) - Is it still the summer holidays? You wouldn’t think so by the volume of news, and we’ve got global payments news highlights you can use. First, Comscore looks at how fast e-commerce is moving to mobile. US consumers are slow to embrace mobile and contactless payments for small amounts, and CreditCards.com shows why. Our guest
- [State of Online Retail 2019: Is your mobile mojo working?](https://paymentsnext.com/state-of-online-retail-2019-is-your-mobile-mojo-working/) - The latest research from media analytics company Comscore shows mobile is making solid and sometimes surprising headway when it comes to the share of e-commerce spending conducted on tablets and smartphones. The takeaway is that mobile matters more every year and we’ve got highlights from Comscore's latest report to prove it to you. Q1 2019
- [State of voice shopping 2019](https://paymentsnext.com/state-of-voice-shopping-2019/) - By Matt Lang, Strategy Director and Will Hall, Chief Creative Officer of Rain When we visited the topic of voice-enabled shopping last year, we concluded that brands and businesses looking to take advantage of the new medium would need to do some significant legwork across their ecosystems to promote the capability to customers and have
- [US ransomware attacks rising fast; how to protect your organization](https://paymentsnext.com/us-ransomware-attacks-rising-fast-how-to-protect-your-organization/) - New reports show a fast rise in ransomware attacks across the US. Last Friday, 23 Texas towns were hit in a coordinated attack by what is believed to be a single operator as yet unidentified. This followed earlier attacks in New York, Louisiana, Maryland, and Florida, which resulted in a significant loss, either in ransomware
- [For small payments, will that be cash or debit?](https://paymentsnext.com/for-small-payments-will-that-be-cash-or-debit/) - In China and Europe, contactless cards and mobile payments are commonplace, even with small payments. But in the US, cash and debit for small purchases are still king, although there is change on the horizon according to a survey from CreditCards.com. For US consumers, contactless cards, mobile payments and rewards credit cards all still take
- [Aug 16 Global payments news roundup](https://paymentsnext.com/aug-16-global-payments-news-roundup/) - As the end of the dog days of summer approaches, we’ve got our weekly global payments news roundup for you. First, we look at the 25th anniversary of Visa’s first e-commerce payment and a bit of online payments history. Next up, the logistics industry is getting a new faster payments platform from RoadSynch. Second Measure
- [Visa's 25-year anniversary of first e-commerce payment](https://paymentsnext.com/visas-25-year-anniversary-of-first-e-commerce-payment/) - Hard to believe I know but 25 years ago, on August 11, 1994, Visa processed the first-ever online payment. Then there was Jane Snowball, a 74-year old UK grandmother who purchased eggs, margarine, and cornflakes using something called VideoTex in 1984 where she placed her order online and when it was delivered, she paid cash!
- [Speed of payments drives logistics industry](https://paymentsnext.com/speed-of-payments-drives-logistics-industry/) - If there’s one thing that defines the $1.8 trillion US logistics and transportation industry, it’s speed. How fast can we get the product to the customer? What’s the cost of facilities, fleet and the last mile for the fastest possible delivery? What’s the impact of speedier delivery on our bottom line? Those are critical questions
- [US online grocery market grows, customer loyalty strong](https://paymentsnext.com/us-online-grocery-market-grows/) - The US online grocery market has plenty of room to grow, but new research shows some interesting market dynamics. According to a research report from Second Measure, Walmart had 62% more online grocery shoppers in June 2019 than its nearest rival Instacart. So much for the perception that tech upstarts dominate the online grocery market.
- [Canada gets Square with new payments terminals](https://paymentsnext.com/canada-gets-square-with-new-payments-terminals/) - It’s sleek, undeniably cool-looking, and onscreen the new Square Terminal is faster, friendlier and aimed at breaking the chokehold held by traditional in-store and online payments providers who dominate today’s retail and e-commerce channels. Last week Square CEO Jack Dorsey introduced the Square Terminal to the Canadian market, with hopes that better tech and more
- [Aug 9 Global payments news roundup](https://paymentsnext.com/aug-9-global-payments-news-roundup/) - Hola! Our payments news roundup covers the latest from around the world starting with a look at MSTS’s “Credit as a Service™.” Then there’s the growing problem of password hygiene, according to new research from PC Matic. The future of retail is convenient and connected and a Walker Sands report says listening to millennials is
- [Research: Password hygiene is a dirty problem](https://paymentsnext.com/research-password-hygiene-is-a-dirty-problem/) - It’s a growing cybersecurity problem that consumers and business simply can’t seem to clean up. It’s password hygiene and it’s a big challenge according to new research from PC Matic. "While this may seem like a minor detail, password hygiene is becoming a growing threat in the cybersphere and is leading to many of the
- [What’s new in B2B payments? Credit as a Service](https://paymentsnext.com/whats-new-in-b2b-payments-credit-as-a-service/) - If you’re a typical SMB, one of your biggest challenges is managing B2B accounts receivables (AR) and slow-paying clients, particularly when you offer net 30- to net 60-day terms of payment. Help in managing AR has been around for a long time with the spectrum ranging from banks, credit card companies, payments intermediaries, and factoring
- [The future of retail? Connected and convenient](https://paymentsnext.com/the-future-of-retail-connected-and-convenient/) - Walker Sands’ 2019 Future of Retail report suggests that all consumer purchase decisions boil down to two key factors: convenience and connection. When shopping, consumers are now conditioned to expect convenience, including selection, availability, and same-day delivery. At the same time, successful retailers are moving beyond a simple omnichannel strategy to finding ways to create
- [Gartner: How marketplaces create growth for business](https://paymentsnext.com/gartner-how-marketplaces-create-growth-for-business/) - Why would a business allow competitors and other companies to sell products on their own website? In a word, opportunity, according to Gartner analysts. Online marketplaces aren’t just for digital-native companies like Amazon & Airbnb. In a report on the advantages of marketplace sales models, Gartner says they provide an opportunity for companies to grow
- [Aug 2 Global payments news roundup](https://paymentsnext.com/aug-2-global-payments-news-roundup/) - Lots of global payment news to cover, so let’s get right at it. We profiled 11 logistics leaders in last-mile delivery including Nuro, Boxbot, Amazon Scout, Starship, and Postmates Serve. The latest PULSE survey shows debit payments are growing and contactless is trending. Russian e-commerce will hit $22 billion by the end of this year
- [Debit payments growing and going digital](https://paymentsnext.com/debit-payments-growing-and-going-digital/) - US consumers are paying with debit more often, and in more ways, including online shopping, online bill payments, and person-to-person (P2P) payments and momentum is building according to the Discover Financial Services’ PULSE® debit network’s 2019 Debit Issuer Study, carried out in May 2019. E-commerce and other digital transactions grew nearly 24% year-over-year – more
- [Snapshot: Leaders in last-mile delivery](https://paymentsnext.com/snapshot-leaders-in-last-mile-delivery/) - Last-mile delivery is one of the biggest logistics challenges in business and e-commerce, no matter if you’re Amazon or an agile startup. In fact, whether it’s groceries, the latest electronic gadget, pizza, or your favorite summer reading novel, last-mile delivery makes up 25% of the cost of delivery for most businesses. The search for more
- [AI approaches for a new  debt-collection era](https://paymentsnext.com/ai-approaches-for-a-new-debt-collection-era/) - For decades, debt collection has relied on the same methods: repeated phone calls and letters to consumers. Not only does this take a lot of time and energy, it results in scores of complaints (debt collectors generate more complaints to the Federal Trade Commission than any other industry). Even though these methods have a low
- [E-commerce: From Russia with love](https://paymentsnext.com/e-commerce-from-russia-with-love/) - The Russian e-commerce market should total $22 billion by the end of 2019 and is poised for growth that could reach $50 billion by 2023, according to a new research study. East-West Digital News’ new study is the result of six months of in-depth analysis of the Eastern bloc nation’s e-commerce market and potential. Russia
- [July 26 Global payments news roundup](https://paymentsnext.com/july-26-global-payments-news-roundup/) - We’ve got our weekly global payments news roundup ready for your reading pleasure. We start with a look at ActiveViam research showing 71% of retailers are concerned about getting outpriced by Amazon. For the first time, alternate payments now make up 51% of all online travel payments according to a PPRO/Amadeus report. Meanwhile, in the
- [Alternate payments in the travel industry are taking off](https://paymentsnext.com/alternate-payments-in-the-travel-industry-are-taking-off/) - A new research report from PPRO and Amadeus shows alternate payment transactions in the global travel industry have taken off and surpassed more than half of e-commerce travel transactions for the first time. Travelers now choose to pay for digital travel with alternative methods more often than cards and cash combined, accounting for 51% of
- [71% of retailers fear outpricing by Amazon](https://paymentsnext.com/71-of-retailers-fear-outpricing-by-amazon/) - New research by ActiveViam shows nearly three-quarters of retailers are concerned about their ability to compete with Amazon pricing. 71% said that they are concerned about being outpriced by Amazon -- with 41% saying they are “very concerned.” In addition, 49% of respondents were concerned about being outpriced by other brick-and-mortar retailers, while 42% said
- [Smile, and open UK bank account with a selfie](https://paymentsnext.com/smile-and-open-uk-bank-account-with-a-selfie/) - TSB is the latest bank to enable bank account openings with a selfie, hoping to gain new bank customers, especially from the ranks of Generation Z, as well as Gen X, Millennials, "Cuspers", and even a few smartphone-using Boomers. The bank partnered with Palo Alto, CA-headquartered AI identification firm Jumio to develop TSB’s account opening
- [Research: Consumers opening their digital wallets in US, EU](https://paymentsnext.com/research-consumers-opening-their-digital-wallets-in-us-eu/) - Consumers will open their digital wallets 40% more and spend nearly $790 billion this year across Europe and North America, according to a new report from Juniper Research. The study predicts the largest growth in 2019 will come from instore payments, with mobile contactless payments more than doubling across the US and EU. That’s encouraging
- [July 19 Global payments news roundup](https://paymentsnext.com/july-19-global-payments-news-roundup/) - Another week, another $6.2 billion+ in record Amazon Prime Day sales. That’s our lead story and we’re sticking to it, even though some are saying it might have reached $7 billion. Some back-to-school shopping was done and the NRF estimates $80.7 billion will be spent by consumers getting students ready for back-to-school. TrueAccord is disrupting
- [Amazon Prime Day sales hit record highs](https://paymentsnext.com/amazon-prime-day-sales-hit-record-highs/) - Amazon Prime Day is over and all that’s left is for Amazon head office to celebrate record sales and the rest of us Prime members to wait for our stuff to be delivered today or tomorrow. And what a two-day success it was as analysts estimate sales reached more than $6 billion. Amazon does not
- [Back to school spending: Average spend up, total down](https://paymentsnext.com/back-to-school-spending-average-spend-up-total-down/) - There’s good news and there’s not-so-good news with US back-to-school spending predictions this year. The National Retail Federation (NRF) and Prosper Insights and Analytics research show the good news is that average spending on most product categories will be up. The positive economy is a factor. The not-so-good news and the challenge for retailers are
- [EBANX sees growth and opportunity in Latin America](https://paymentsnext.com/ebanx-sees-growth-and-opportunity-in-latin-america/) - Put aside any preconceived ideas or misconceptions about e-commerce in Latin America. E-commerce in the region is growing at 25% to 30% and past barriers to doing business and handling payments are fast disappearing with the growth of e-commerce, mobile adoption, new payments options, and improvements in logistics. “E-commerce -- including everything from retail to
- [AI disrupting the US debt collection industry](https://paymentsnext.com/ai-disrupting-the-debt-collection-industry/) - With roughly 30 million Americans with at least one debt in collections according to the Federal Reserve, the Consumer Financial Protection Bureau (CFPB) is looking at new rules to regulate how third-party debt collectors contact debtors. New regulations could reduce the use of pestering phone calls but open your smartphone to texts and emails from
- [July 12 Global payments news roundup](https://paymentsnext.com/july-12-global-payments-news-roundup/) - Our weekly global payments news roundup has an international flavor this week, starting with a look at Walmart’s unexpected bonus of payments provider PhonePe in its acquisition of Flipkart. Digital payments are taking off in India and PhonePe is poised for growth. In Japan cash is still used for 80% of purchases and the cashless
- [India’s digital payments growth a Walmart bonus](https://paymentsnext.com/indias-digital-payments-growth-a-walmart-bonus/) - According to Credit Suisse analysts, India’s payments market could grow from $200 billion today to reach $1 trillion by 2023. Walmart is smiling because it’s $16 billion purchase of more than 80% of e-commerce giant Flipkart included small payments subsidiary PhonePe. With Indian mobile usage exploding and digital payments growing fast, PhonePe provides an intriguing
- [GoCardless lowers recurring subscription payments barriers](https://paymentsnext.com/gocardless-lowers-recurring-subscription-payments-barriers/) - If you’re a US business, selling products and services with recurring payments in foreign markets can be a challenge. Many foreign consumers and businesses simply don’t prefer to pay with credit cards, in contrast to US payments preferences. In fact, a recent Global Payment Preferences research report conducted by YouGov and GoCardless shows at least one-third of
- [Cashless in Japan still a distant reality today](https://paymentsnext.com/cashless-in-japan-still-a-distant-reality-today/) - Quick. Name a country where 80% of transactions are still paid for in cash. Surprisingly, that would be Japan, second only after Germany as the country that pays more in cash for transactions than any other. With all its advanced technology and financial services know-how, it seems incongruous even though there are government and private
- [Plans for payments growth in India 30-cents at a time](https://paymentsnext.com/plans-for-payments-growth-in-india-30-cents-at-a-time/) - Could you double your financial services company revenue by offering loans for as little as $30 and insurance policies at 30-cents per month? After 10 years in operation, Indian digital payments company MobIKwik believes that’s its path to profitability this year and double its revenue within two years. The company has grown from its roots
- [July 5 Global payments news roundup](https://paymentsnext.com/july-5-global-payments-news-roundup/) - Happy July 5 to our US readers and welcome to this week’s global payments news roundup. We start with a look at the growing Chinese traveler payments market and CITCON’s EU expansion. Most consumers pick online payments security over convenience, but to the Brits, it’s a close call, according to research from GoCardless. Visa buys
- [CITCON growing Chinese payments market in the EU](https://paymentsnext.com/citcon-growing-chinese-payments-market-in-the-eu/) - Chinese travelers are currently the largest spenders and the fastest-growing traveler segment in Europe. This presents EU businesses with an opportunity for growth by serving this new consumer market if they can figure out how to handle payments seamlessly. To help EU merchants meet this growing market, CITCON, a US cross-border mobile payments firm announced
- [June 28 Global payments news roundup](https://paymentsnext.com/june-28-global-payments-news-roundup/) - This week’s global payments news roundup starts with Amazon’s launch of a new delivery option called Counter and partnering initially with 100 Rite Aid locations. Kount AI is a new fraud detection program built on artificial intelligence that simulates a skilled fraud analyst. Coresight Research says there are 6986 US store closures in the US
- [Amazon further disrupts the delivery world](https://paymentsnext.com/amazon-further-disrupts-the-delivery-world/) - The trunk of your car, your car garage, employee-owned delivery vehicles, driverless vehicle and robot deliveries, standalone lockers, its own Prime Air fleet, potential drone deliveries, a pickup and return partnership with Kohl’s stores. Amazon has tested many options for customers to get delivery of their online shopping packages. Today, Amazon announced a new delivery
- [Kount AI raises payments fraud protection potential](https://paymentsnext.com/kount-ai-raises-payments-fraud-protection-potential/) - Payments fraud is growing at 14% year over year, faster than overall retail sales, and growth in mobile fraud is also accelerating. According to Juniper Research, retailers could lose as much as $130 billion between 2018 and 2023, reaching $7.2B by the year 2020. Fraud protection firm Kount has launched a next-generation artificial intelligence (AI)
- [Mastercard enhances small business digital payments & security](https://paymentsnext.com/mastercard-enhances-small-business-digital-payments-security/) - With the launch of its MasterCard Digital Wellness program, the payments giant is making some smart moves to enhance digital payments and security for the small business sector. The new AI technology and suite of resources helps small and independent businesses offer online customers password-free, online checkouts that are more secure for cardholders. “We launched
- [Shopping list of US retail store closures grows](https://paymentsnext.com/shopping-list-of-us-retail-store-closures-grows/) - E-commerce, global competition, and changing shopper tastes and demographics have caused dramatic disruption in the US retail marketplace. Coresight Research tracked 5,524 US store-closures in 2018 compared to a record 8,139 closures in 2017. The company says at the end of May, the number of store closures announced in 2019 is up to 6,986 already
- [June 21 Global payments news roundup](https://paymentsnext.com/june-21-global-payments-news-roundup/) - Welcome to this week’s global payments news roundup which leads off with an interview with Bank of America CEO Brian Moynihan who talks about moving towards a cashless society. Next, we look at Facebook’s Libra cryptocurrency announcement and what’s ahead for the proposed new cryptocurrency and financial system. Walmart has filed more drone delivery patents
- [Bank of America CEO wants a cashless society](https://paymentsnext.com/bank-of-america-ceo-wants-a-cashless-society/) - At Fortune’s Brainstorm Finance conference in Montauk, NY yesterday, Bank of America (BoA) CEO Brian Moynihan said his bank is ready for a cashless society. Moynihan highlighted how his financial institution has embraced fintech and “probably spent $30 billion on code” in the past eight years to develop and improve its technology infrastructure. While BoA wasn’t
- [Walmart drone delivery is up in the air](https://paymentsnext.com/walmart-drone-delivery-is-up-in-the-air/) - When it comes to delivering products by drone, Walmart and Amazon are going head-to-head in what many believe is the future of fast deliveries for online shoppers. Visuals courtesy of Amazon, Walmart, Payments NEXT
- [What’s Facebook Libra cryptocurrency mean for payments?](https://paymentsnext.com/whats-facebook-libra-cryptocurrency-mean-for-payments/) - Facebook unveiled its plan for a new global digital currency called Libra and a financial system to change how money moves globally. It has the potential to transform how money is used around the world, how payments are made and could provide access to more than 1.7 billion unbanked people. It could also fail spectacularly,
- [7 million Venmo user transactions scraped](https://paymentsnext.com/7-million-venmo-user-transactions-scraped/) - Minnesota State University infosecurity grad student Dan Salmon has a cybersecurity warning for seven million users of the popular P2P app Venmo. He recently downloaded your data to prove to Venmo that one year after they were warned by other security experts about the security of their developer API, user information is still accessible. Check
- [June 14 Global payments news roundup](https://paymentsnext.com/june-14-global-payments-news-roundup/) - No fake tariff deals or fake news here, just the best global payments news from this week for your information. Visa B2B Connect launched a faster cross-border payments network for financial institutions. Amazon Credit Builder reaches out to credit-challenged consumers. A new Ceridian report looks at what employees think about their pay and we extract
- [Mary Meeker Report: Internet Trends 2019](https://paymentsnext.com/mary-meeker-report-intranet-trends-2019/) - Bond Capital founder, VC investor, and technology analyst Mary Meeker is well-regarded for her annual internet trends reports. We’ll ignore whether a 333-slide presentation is good communications or smart presentation strategy, but there is something for everyone in her analyses and we’ve got a quick look at what matters to the payments industry. 12 key
- [It’s payday: Do you know what your employees are thinking?](https://paymentsnext.com/its-payday-do-you-know-what-your-employees-are-thinking/) - Here at Payments NEXT, we're usually focused on how consumers and employees spend their money. For a change of pace, we're going to focus on payroll and employee perceptions. For most employers, payroll is overhead and a cost to be managed. Rarely do employers think about the employee payroll experience. Ceridian decided to ask employees
- [Visa B2B Connect launches faster FI cross-border payments](https://paymentsnext.com/visa-b2b-connect-launches-faster-fi-cross-border-payments/) - Let’s face it. Cross-border B2B payments are still at the teething stage. Visuals courtesy of Visa
- [June 7 Global payments news roundup](https://paymentsnext.com/june-7-global-payments-news-roundup/) - We’ve got a great roundup of stories this week on payments, fintech, retail, and e-commerce. POS consumer loans are growing fast and estimated at $6 trillion annually. A new report from GoCardless shows how payment preferences influence sales. Cornerstone Advisors surveys banking executives to find out where the industry is headed in 2019. Global florist
- [FTD bankruptcy: Send flowers?](https://paymentsnext.com/ftd-bankruptcy-send-flowers/) - It’s never a happy day when a 109-year-old retailer files for bankruptcy. That’s certainly the case with FTD as it files for Chapter 11 bankruptcy protection and begins to sell off its business assets, one bouquet at a time. A colorful history Founded in 1910 in Rochester, New York as a retailers cooperative, Florists' Telegraph
- [Point-of-sale finance competition growing fast](https://paymentsnext.com/point-of-sale-finance-competition-growing-fast/) - The checkout line is getting crowded with point-of-sale (POS) finance competitors each looking for a slice of the consumer lending market with the help of innovative technology and platforms. Filene Research Institute estimates the annual size of the POS finance market in the US at $391 billion – about 3.5% of annual consumer spending—with healthcare, electronics, and
- [Research: Payment preferences & path to sales](https://paymentsnext.com/research-payment-preferences-path-to-sales/) - Preferences shape how consumers like to pay and how your business should collect payments which impact customer satisfaction and churn. A new report from GoCardless looks at payer preferences for various types of recurring purchases in different markets and what’s needed for sales success. Eight payment dimensions GoCardless’s report says every payment mechanism and payment
- [What’s Going on in Banking in 2019?](https://paymentsnext.com/whats-going-on-in-banking-in-2019/) - Getting a handle on what’s happening in banking this year and in the future is a big challenge. Cornerstone Advisors surveyed 305 senior executives at US-based, mid-size financial institutions (FIs), 60% from banks and 40% from credit unions to get a picture of banking in 2019. The result is an interesting look at the quickly
- [May 31 Global payments news roundup](https://paymentsnext.com/may-31-global-payments-news-roundup/) - Here’s your global payments news roundup for this week. National Retail Federation predicts $16 billion in spending on Father’s Day gifts. 67% of consumers will shop at a retailer with mobile coupons. The payments industry has $2 billion of VC financing so far this year. Checkers restaurant POS suffers malware attack while Visa says EMV
- [Father’s Day spending will reach record $16 billion](https://paymentsnext.com/fathers-day-spending-will-reach-record-16-billion/) - The National Retail Federation (NRF) estimates Father’s Day gift spending in the US should reach a record $16 billion this year. That falls short of the $25 billion spent on Mother’s Day, but it’s still a pretty good day for dear old Dad and a good outcome for US retailers. This also continues a generally
- [Mobile coupons build loyal customers](https://paymentsnext.com/mobile-coupons-build-loyal-customers/) - If you thought coupons were going the way of pay phones and fax machines, new research from BRP Consulting's report The Mobilization of Retail may get you to reconsider your bias. Not only are 41% of consumers planning to increase the frequency of their shopping by tablet or smartphone in the next two years, 67%
- [Payments industry pulling in big VC cash](https://paymentsnext.com/payments-industry-pulling-in-big-vc-cash/) - The $1.9 trillion payments industry is getting a lot of attention and billions of dollars of investment from venture capitalists these days, according to a CNBC report. That makes for a lot of potential new payments industry unicorns on the horizon. Pitchbook Data, which monitors VC investment, says more than $18.5 billion was invested in
- [May 24 Global payments news roundup](https://paymentsnext.com/may-24-global-payments-news-roundup/) - After a week of subpoenas, bank intrigue, and political drama, we thought you’d enjoy a simple global payments news roundup leading into the US Memorial Day long weekend. First, we look into why cash is still used by 31% of US consumers. We explore why 30% of UK retail got no value from e-commerce projects.
- [Is cash still a factor in payments?](https://paymentsnext.com/is-cash-still-a-factor-in-payments/) - Here at Payments NEXT, we love to explore the world of payments of all kinds from credit and debit cards and the latest fintech innovations to mobile, contactless, cashless, biometrics, POS, and every future payment possibility on the horizon. Once in a while, it’s important to remember that cash is still very much a part
- [30% of UK retail got no value from e-commerce projects](https://paymentsnext.com/30-of-uk-retail-got-no-value-from-e-commerce-projects/) - You’re in charge of e-commerce for your midsize retail business and you just finished your pitch for a budget for your next project. When asked how much it’s going to cost, you respond, “You better give me 130% of the budget, because 30% is going to be wasted.” How well do you think that will
- [The case for cash, ATMs, pay phones, and pizza](https://paymentsnext.com/the-case-for-cash-atms-payphones-and-pizza/) - Remember when you last went looking for a pay phone and found one? I can’t. It’s probably been 15 years. We could be seeing the early stages of a similar trend for ATMs if a new research report from London-based RBR is any indication. Researchers found that the number of ATMs installed in the five
- [Why is fintech adoption by business still lagging?](https://paymentsnext.com/why-is-fintech-adoption-by-business-still-lagging/) - The cost benefits and ROI of fintech in the financial industry are so obvious, why is business still so slow to adopt many new technologies that can positively impact their bottom line? A new report for AvidXchange by Levvel Research offers insight into some of the reasons for the resistance. “B2B fintech has evolved from
- [May 17 Global payments news roundup](https://paymentsnext.com/may-17-global-payments-news-roundup/) - While the tariffs tiff continues, we’ve got other global payments news to keep you ahead of the curve. We start with a business and payments industry look at the impact of China tariffs. AI is getting deeper into the payments business and online grocer Farmstead is another good example. Apple Pay launches in 16 Eastern
- [Could Trump-China tariffs take down payments industry profits?](https://paymentsnext.com/could-trump-china-tariffs-take-down-payments-industry-profits/) - Now that US tariff increases of 25% or more on $300 billion of Chinese products are looming large, what’s the impact on consumers and is there potential for the payments industry to take a hit as well? Contrary to what the White House says, American consumers and business are the ones who pay the tariffs,
- [10 Benefits of Mobile Invoicing](https://paymentsnext.com/10-benefits-of-mobile-invoicing/) - The explosion of business apps in recent years has been remarkable and while some may die a slow death after great launches on Product Hunt with much fanfare, a handful of mobile invoicing apps are genuinely useful for business owners and their customers. Mobile invoicing is provided by many of the most popular cloud-based invoicing
- [Amazon automation plan will improve efficiency, cut jobs](https://paymentsnext.com/amazon-automation-plan-will-improve-efficiency-cut-jobs/) - Imagine working ten hours a day picking and packing products in an Amazon warehouse and fulfillment center. It’s labor-intensive, it’s hard physical work, and according to Reuters, Amazon plans to automate some of these processes at its many fulfillment facilities. Amazon has automated some of its plant processes, but it’s still surprisingly labor-intensive and it’s
- [Online grocer Farmstead launches AI-based Smart Shopping List](https://paymentsnext.com/online-grocer-farmstead-launches-ai-based-smart-shopping-list/) - San Francisco-based online grocer Farmstead launched a Smart Shopping List app that uses predictive machine-learning to make grocery shopping faster, easier and less expensive for consumers. Farmstead says artificial intelligence (AI) goes beyond simple product recommendations to actually predict what customers need based on multiple data points including weekly shopping history, buying signals and what’s
- [May 10 Global payments news roundup](https://paymentsnext.com/may-10-global-payments-news-roundup/) - We’ve got a pre-Mother’s Day global payments news roundup filled with news you can use. The NRF predicts Mother’s Day spending will reach a record $25 billion this year. Gartner looks at Amazon's complicated private-label business. Alipay, Adyen, and Klarna will allow AliExpress shoppers to pay later. Juniper Research says chatbots will be worth $112
- [Insights from Verizon’s 2019 Data Breach Report](https://paymentsnext.com/insights-from-verizons-2019-data-breach-report/) - $40 million stolen from the Binance cryptocurrency exchange yesterday by cybercriminals. Hackers infiltrating hundreds of Amazon merchant accounts late last year. The ongoing impact from the massive 2017 Equifax data breach exposing more than 148 million records. The hit parade of cybersecurity breaches never lets up in this global, always-on, online world. Verizon’s 2019 Data
- [Chatbots R Us in the retail future](https://paymentsnext.com/chatbots-r-us-in-the-retail-future/) - Artificial intelligence (AI), including chatbots, is definitely on the horizon for retail in the future, according to a new Juniper Research report. The company predicts the global number of successful retail chatbot interactions will reach 22 billion by 2023, up from an estimated 2.6 billion in 2019. Tech-savvy retailers will increase their use of automated
- [Mastercard swipes more business invoice expertise](https://paymentsnext.com/mastercard-swipes-more-business-invoice-expertise/) - What’s one of the biggest friction points for small business today? If you answered getting invoices paid quickly and easily, you’d also have the answer to why MasterCard is buying digital transactions company Transactis. Mastercard says 44% of the 15 billion bills Americans pay each year are paid by paper check or cash. But waiting weeks
- [May 3 Global payments news roundup: Amazon Prime, Apple Pay, Wayfair, Ollie’s](https://paymentsnext.com/may-3-global-payments-news-roundup-amazon-prime-apple-pay-wayfair-ollies/) - Busy, busy week in the payments industry and we’ve got highlights for you. Vox looks at the fascinating success story of Amazon Prime and its impact on e-commerce. Wayfair’s 2019 Way Day event was another big sales success. We look into PPRO’s Almanac 2.0 of local payments preferences to help build cross-border B2B sales. New
- [Wayfair’s 2019 Way Day led the way to record sales](https://paymentsnext.com/wayfairs-2019-way-day-led-the-way-to-record-sales/) - Amazon competitors have found imitation of Amazon’s annual July Prime Day sales event to be their own summer sales success stories. Business Insider looked at several companies including eBay, Walmart, Macy’s, Target, and Best Buy and found some compelling, competing summer sales promotions in 2018. Many of the deals offered were even better than traditional
- [Online grocery shopping shakeup from Whole Foods](https://paymentsnext.com/online-shopping-shakeup-from-amazons-whole-foods/) - Amazon fired another shot over the bow of the grocery business with the addition of 13 new cities now able to get home delivery service from its Whole Foods subsidiary. Now available in 88 US cities, Prime members can shop through Prime Now for thousands of grocery items including fresh produce, meat and seafood, everyday
- [Proofpoint research: Imposter email attacks on FinServ grew 60%](https://paymentsnext.com/proofpoint-research-imposter-email-attacks-on-finserv-grew-60/) - New research from cybersecurity firm Proofpoint shows that imposter email and email phishing attacks on global financial services companies grew 60% over last year. The FBI estimates that business email compromise (BEC) has cost organizations around the globe a potential $12.5 billion since the end of 2013. Proofpoint’s analysis of more than 160 billion emails
- [Local payments preferences critical to e-commerce success](https://paymentsnext.com/local-payments-preferences-critical-to-e-commerce-success/) - When it comes to e-commerce and cross-border payments, it’s critical to consider the importance of local payment methods (LPM) and preferences. Payment specialist PPRO has released Payments Almanac 2.0, its latest analysis of global payments markets, e-commerce growth and local payment preferences. The Almanac has details on over 450 LPMs and insights for over 150
- [April 26 Global payments news roundup](https://paymentsnext.com/april-26-global-payments-news-roundup/) - Welcome to the weekly global payments news roundup from Payments NEXT. Fintech company Resolve launched its B2B payments platform. A New York student sued Apple for $1 billion for his arrest due to mistaken facial recognition. Equifax acquires PayNet to tackle the small to midsize business loans market. Amsterdam-based Volt launched its EU Open Banking
- [B2B financing gets easier and faster with Resolve](https://paymentsnext.com/b2b-financing-gets-easier-and-faster-with-resolve/) - Forrester Research says B2B e-commerce will reach $1.8 trillion by 2023 and make up 17% of B2B sales. Fintech startup Resolve aims to disrupt the painfully slow, traditional business finance model with its automated payments platform offering extended net terms for customers of B2B sellers. Resolve is a spinoff from consumer fintech loans platform Affirm
- [Facial recognition error claimed in $1 billion Apple lawsuit](https://paymentsnext.com/facial-recognition-error-claimed-in-1-billion-apple-lawsuit/) - In a warning sign for the new technology and retailers, a student launched a $1 billion lawsuit claiming that mistaken facial recognition in an Apple Store led to his wrongful arrest. NYPD officers arrested 18-year-old New York student Ousmane Bah at 4 o’clock in the morning on November 29, 2018, alleging he stole several products
- [Spending on Mom will reach record $25B this year](https://paymentsnext.com/spending-on-mom-will-reach-record-25b-this-year/) - It seems that we can’t show Mom enough love at least when it comes to Mother’s Day. According to an annual survey released today by the National Retail Federation (NRF), US Mother’s Day spending should reach a record $25 billion this year, up from $23.1 billion in 2018. But the holiday honoring mothers had a
- [Are tax pros ready for a new breed of tax fraudsters?](https://paymentsnext.com/are-tax-pros-ready-for-a-new-breed-of-tax-fraudsters/) - With the April 15 US tax deadline passed, were tax professionals really ready for a new breed of tax fraudsters? We’re not talking about the President and his tax return issues. We’re seeing a new breed of sophisticated tax fraudsters systematically attacking the US taxation system. We can tell you who is not fully prepared
- [Q1 ransomware rising, cost to business building](https://paymentsnext.com/q1-ransomware-rising-cost-to-business-building/) - Coveware’s Q1 Ransomware Marketplace report shows an alarming increase in ransomware incidents and the impact and costs to business in the first quarter of the year to clients of the security company. The average ransom increased by 89% to $12,762 compared to $6,733 in Q4 of 2018. This was due to the incidence of more
- [April 19 Global payments news roundup](https://paymentsnext.com/april-19-global-payments-news-roundup/) - It's a holiday weekend ahead but we’ve still got your global payments news roundup to keep you current. MasterCard purchased POS loans platform Vyze while Amazon announced plans to depart the China online marketplace. We’ve got a look at contactless cards in the US and progress in the connected car payments market. The Netherlands is
- [Connected car and other IoT payments gaining speed](https://paymentsnext.com/connected-car-and-other-iot-payments-gaining-speed/) - A new Transaction Network Services (TNS) report shows connected car and other internet of things (IoT) payments are getting traction with consumers. The survey of more than 3100 consumers in the US, UK, and Australia shows 26% of respondents that own a voice assistant have used it to make a payment, 57% would be willing
- [MasterCard enters POS loan space with Vyze acquisition](https://paymentsnext.com/mastercard-enters-pos-loan-space-with-vyze-acquisition/) - Mergers and acquisitions in the payments industry are growing as indicated by MasterCard’s purchase of fintech point-of-sale financing platform Vyze. According to Accenture, point-of-sale (POS) loans are a $1.8 trillion business opportunity. “Both consumers and businesses want the best choice and service, exactly when they need it,” Blake Rosenthal, executive vice president of global acceptance
- [Belgian e-commerce is booming](https://paymentsnext.com/belgian-e-commerce-is-booming/) - Belgium has just 11.4 million residents and is 11,849 sq miles in size, a little larger than Massachusetts. Despite its small size, it is the world’s 27th largest economy by GDP and e-commerce is growing quickly here like many other western European countries. Its affluence, educated consumers, technology adoption, and smaller size make for an
- [Chase launches US e-gift cards](https://paymentsnext.com/chase-launches-us-e-gift-cards/) - Chase checking account customers in the US can now send digital gift cards to other US residents instantly using the Chase mobile app or Chase.com. All that’s required is a recipient’s email address. “Our digital gift cards make it more personal than sending a person-to-person payment,” said Prashant Gandhi, head of digital payments for Chase.
- [April 12 Global payments news roundup](https://paymentsnext.com/april-12-global-payments-news-roundup/) - US tax deadlines are near, but our global payments news roundup will give you a welcome distraction. We’ve got a look at worldwide digital commerce trends from 2Checkout, a snapshot of payments industry mergers and acquisitions, highlights of convenience store sales for 2018, and Amazon’s response to the cashless payments bans. Plus, an overview of
- [JPMorgan adds EU instant payments with SEPA](https://paymentsnext.com/jpmorgan-adds-eu-instant-payments-with-sepa/) - This week, JPMorgan added European instant payment services for its clients with the launch of SEPA Instant in the EU. This makes it the first bank to offer real-time payment services in USD, GBP, and EUR. “Adding SEPA Instant is another step towards offering real-time payments around the globe,” said Sungmahn Seo, Managing Director, Head
- [Mitek launches identity verification on desktop](https://paymentsnext.com/mitek-launches-identity-verification-on-desktop/) - Visuals courtesy of Mitek
- [2Checkout report highlights 2019 global digital commerce trends](https://paymentsnext.com/2checkout-report-highlights-2019-global-digital-commerce-trends/) - A new report from 2Checkout shows an increase in global digital commerce sales of software, SaaS and online services as well as growth in sales of subscriptions for these products and services. 2Checkout analyzed millions of customer transactions on its global platform between March 2018 and February 2019 to identify several key findings: Subscription-based products
- [Convenience store sales up 8.9% to $654.3B in 2018](https://paymentsnext.com/convenience-store-sales-up-8-9-to-654-3b-in-2018/) - It looks like things are looking up at the corner convenience store these days according to a recent annual report of the NACS. Convenience stores sales make up 3.1% of US gross domestic product of $20.5 trillion and despite increasing costs, record in-store and fuel sales led to last year’s positive industry growth. 2018 US
- [April 5 Global payments news roundup](https://paymentsnext.com/april-5-global-payments-news-roundup/) - Today’s global payments news roundup is fast and furious. We take a look at whether smaller footprint stores will save Sears, given the challenge of profitability. By next year, millennials will spend $1.4 trillion and they are definitely masters of the online shopping universe. One billion Indian consumers have biometric digital IDs, so can biometrics
- [Will smaller footprint stores save Sears?](https://paymentsnext.com/will-smaller-footprint-stores-save-sears/) - After a plunge into bankruptcy earlier this year, Sears announced plans to open three new, small-footprint stores of 10,000 to 15,000 sq ft. Instead of the typical 160,000 sq ft store, the new Sears Home & Life outlets will sell home goods like Kenmore and other brand appliances, mattresses, and connected-home products. Sears will also
- [Amazon dominates e-commerce but eBay’s busy](https://paymentsnext.com/amazon-dominates-e-commerce-but-ebays-busy/) - Amazon may own 49% of the US e-commerce market, but eBay remains surprisingly resilient according to an Edison Trends report. According to eMarketer, the six biggest e-commerce sellers are Amazon (49.1%) eBay (6.6%), Apple (3.9%), Walmart (3.7%), Home Depot (1.5%), and Best Buy (1.3%). We take a look at what sells best at each of
- [Walmart, Google relaunch grocery voice ordering](https://paymentsnext.com/walmart-google-relaunch-grocery-voice-ordering/) - While Amazon’s Whole Foods implements a range of grocery discounts, Walmart and Google are going to the prom together again to offer voice ordering of groceries, two years after testing the service previously. Walmart Voice Order will work on a variety of Google Assistant platforms and devices, including smartwatches and smartphones. How does Walmart Voice
- [Researchers: Millennials are masters of the online shopping universe](https://paymentsnext.com/researchers-millennials-are-masters-of-the-online-shopping-universe/) - If millennials are a key target market, you’ll want to read the latest research from CouponFollow. Researchers outline how far and how fast millennials have moved into shopping online at the expense of off-line stores. All is not lost but understanding this important market will be critical for your multichannel marketing strategies. How big is
- [Mar 29 Global payments news roundup: Apple Card, cashless bans, biometrics](https://paymentsnext.com/mar-29-global-payments-news-roundup-apple-card-cashless-bans-biometrics/) - Your Friday roundup of global payments news is ready for launch. We start with a look at 2018 gift card preferences and what’s on the horizon. Then we move over to China for a look at a boom in biometrics payments. Ever ordered dinner from DoorDash or GrubHub? We profile the five fastest-growing leaders in
- [On-demand food delivery growing fast](https://paymentsnext.com/on-demand-food-delivery-growing-fast/) - In the US, fast food is a $200 billion industry. The on-demand food delivery business is also growing fast and is now estimated to be a $2 billion-plus a year industry according to a new report from Edison Trends. Let’s look at some of the biggest players and how consumers are buying meals and paying
- [2018 gift card preferences, growth and features](https://paymentsnext.com/2018-gift-card-preferences-growth-and-features/) - First Data has some fascinating research on 2018 gift card preferences, growth and trends in the UK. If you’re a retailer or online seller using gift cards as part of your marketing strategy, you’ll want to learn more. Physical gift cards just won’t die One of the big surprises is the enduring popularity of physical
- [Forget QR codes, pay with a smile](https://paymentsnext.com/forget-qr-codes-pay-with-a-smile/) - In China, more than 580 million people made a payment with their mobile phone last year and 68% used a mobile wallet for off-line payments. In many cases, this increasingly cashless society uses QR codes for purchases atlocations including noodle shops, fast food restaurants, electronics stores, street vendors and subway transportation. Cashless payments are already
- [Mar 22 Global payments news roundup: Branch, Verifi, ZestFinance, more](https://paymentsnext.com/mar-22-global-payments-news-roundup-branch-verifi-zestfinance-more/) - Welcome to Payments NEXT’s weekly global payments news roundup. The week started with a bang with the planned $43 billion FIS/Worldpay merger. We covered several new product launches including Verifi’s self-service chargeback service, Branch’s new payday loan features, and ZestFinance’s bias-free lending platform. We also looked at the fast growth of e-commerce in the EU
- [Branch launches low-cost payday advance feature](https://paymentsnext.com/branch-launches-low-cost-payday-advance-app/) - The payday loans industry is rightly criticized for contributing to a vicious cycle of poverty from its outrageous payments practices and high interest rates for low-wage workers who need an occasional payday advance loan. US payday loan companies typically charge $15 or more per $100 of payday loans, which works out to an APR rate
- [EU shoppers driving e-commerce and Amazon growth](https://paymentsnext.com/eu-shoppers-driving-e-commerce-and-amazon-growth/) - If you’re curious about the state of e-commerce in the Western EU, a new report from Internet Retailer says sales of the top Europe 500 online retailers and consumer brands grew 13.9% in 2017. This came at the expense of off-line retailers whose sales only grew 2.6% in 2017 according to Statista. Among the EU
- [Verifi chargeback self-service promises savings](https://paymentsnext.com/verifi-chargeback-self-service-promises-savings/) - To help small and midsize business respond more effectively and reduce losses due to chargebacks, Verifi launched a new cloud-based service called Self-Service Chargeback Representment (SSCR). Chargebacks cost US merchants more than $19 billion in 2018 in lost profits, employee time, company resources, fees, and penalties. They cost issuers another $12 billion. Verifi says as
- [New software reduces lending bias with AI](https://paymentsnext.com/new-software-reduces-lending-bias-with-ai/) - ZestFinance, a leader in artificial intelligence (AI) software for credit, today launched ZAML Fair™, a new software tool to reduce bias and discrimination in lending. Following market tests with a leading national mortgage lender, ZestFinance claims its new software would eliminate 70% of the gap between Hispanic and white borrowers and 40% of the gap
- [Inside the $43 billion FIS/Worldpay merger](https://paymentsnext.com/inside-the-43-billion-fis-worldpay-merger/) - Fidelity National Information Services’ (FIS) $43-billion cash-and-stock deal to merge with payments processor Worldpay Inc is another step in the sweeping shakeout and repositioning happening within the global payments industry. The merger follows Fiserv’s $22-billion deal to buy First Data Corp two months ago. The new FIS/Worldpay company will be based in Jacksonville, Florida at
- [50% of UK businesses at risk of invoice fraud](https://paymentsnext.com/50-of-uk-businesses-at-risk-of-invoice-fraud/) - New research from Santander Business shows that half of UK businesses are at risk of invoice fraud because they do not check invoices diligently. The survey says only 50% of UK businesses verify details in email invoices, leaving them at risk of invoice fraud. 40% of those who do check details verify only by calling
- [Global payments news roundup: EU cross-border commerce, invoice fraud, biometric bank cards](https://paymentsnext.com/global-payments-news-roundup-eu-cross-border-commerce-invoice-fraud-biometric-bank-cards/) - It’s Friday and we’ve got your global payments news roundup. 23% of e-commerce in Europe is now cross-border according to a new report. Research shows consumers would buy more if retailers offered free returns. Thumbs up for the new biometrics bank card now testing in the UK. 25% of SMEs plan to change their bank
- [Will chatbots translate into savings and better service?](https://paymentsnext.com/will-chatbots-translate-into-savings-and-better-service/) - A new study from Juniper Research shows financial institutions will save an estimated $209 million in 2019 by using chatbots for customer service. By 2023, those savings could reach 862 million hours of time saved or $7.3 billion in operational savings globally. It’s no wonder more and more bank customers are speaking with chatbots every
- [Why the disconnect between banks and SMEs?](https://paymentsnext.com/why-the-disconnect-between-banks-and-smes/) - A new report from Mitek/CI&T shines a light on the growing gap between the banking services small business wants and what banks are providing. It’s not a pretty picture. Three key findings should make banks very nervous about their tentative relationships with small business customers: 22% of small businesses changed banks in the previous 12
- [A biometrics bank payments card? Thumbs up!](https://paymentsnext.com/a-biometrics-bank-payments-card-thumbs-up/) - Trouble remembering your payment card PIN number? Beginning in April, two British banks will test a bank card with a built-in biometrics scanner to enable more secure payments authentication.
- [Sophisticated fraud grows, losses double in two years](https://paymentsnext.com/sophisticated-fraud-grows-losses-double-in-two-years/) - The 2019 Identity Fraud Study, released by Javelin Strategy & Research, contains good news mixed in with the bad according to the report. The good news is payment card fraud dropped from $8.1 billion in 2017 to $6.4 billion and the number of incidents fell from 5.47% to 4.40% mostly as a role result of
- [Mar 8 Global payments news roundup](https://paymentsnext.com/mar-8-global-payments-news-roundup/) - What a busy week in the payments world despite the distractions in DC! Here’s your weekly global payments news roundup. Philly became the first US city to ban cashless stores totally. A Mitek survey looks at cross-border e-commerce and a recipe for success. We’ve got highlights of global payments trends to watch in 2019, insight
- [Ingredients for cross-border e-commerce success](https://paymentsnext.com/ingredients-for-cross-border-e-commerce-success/) - Are you already selling globally or unsure where to start or how to improve your cross-border sales? We’ve got some insight and tips from Shopify Plus that should help you tap into the estimated $3.5 trillion global retail e-commerce market. Some 57% of global online shoppers already buy from overseas retailers and it’s even higher
- [Global payments trends to watch in 2019](https://paymentsnext.com/global-payments-trends-to-watch-in-2019/) - Credit and debit card payments account for the vast majority of the United States’ online purchases, particularly with the introduction of contactless payments. However, this doesn’t ring true for the rest of the globe. In fact, card issuers such as Visa and Mastercard only account for 23% of e-commerce payments worldwide, while local payment methods
- [Why BOPIS 2018 holiday shopping sales jumped 46%](https://paymentsnext.com/why-bopis-2018-holiday-shopping-sales-jumped-46/) - While 2018 holiday shopping retail results were up a solid 5.2%, it’s the buy online pickup in-store (BOPIS) sales jump of 46% that got industry analysts attention. A new report from Bell & Howell and OrderDynamics has some answers on why shoppers are embracing BOPIS, which retailers are doing it right and where some retailers
- [March 1 Global payments news roundup](https://paymentsnext.com/march-1-global-payments-news-roundup/) - It's Friday and we've got a solid lineup of global payments news starting with a brand perspective on voice ordering, FedEx robot delivery tests, and a point-of-sale loan partnership between fintech Affirm and Walmart. Check JPMorgan CEO Jamie Dimon's props for Square and a view on subscription payments like Amazon and Netflix. Find out what's
- [Walmart and Affirm will offer POS loans](https://paymentsnext.com/walmart-and-affirm-will-offer-pos-loans/) - Walmart and Silicon Valley lender Affirm announced plans to offer the 4000-store retailer’s customers loans at the point-of-sale (POS) online and in-store at most US Walmart locations. The companies hope a simple, point-of-sale purchase and POS loan will appeal to consumers tired of excessive credit card fees, penalties and lack of transparency. Affirm’s growth is
- [What’s driving fashion e-commerce in 2019?](https://paymentsnext.com/whats-driving-fashion-e-commerce-in-2019/) - New research from Nosto and an analysis of more than 1.2 billion site visits across online fashion retailers, provides valuable insight into the state of fashion e-commerce in 2019. With a “retail first” approach, the most successful online fashion retailers are finding new ways to engage fashionistas, provide personal shopping experiences, and create sales growth.
- [Myths vs facts: Exposing 3 misconceptions in payments fraud and security](https://paymentsnext.com/myths-vs-facts-exposing-3-misconceptions-in-payments-fraud-and-security/) - In our bustling e-commerce landscape - today’s most competitive market - it’s hard to believe that many online merchants, particularly those based in the U.S., avoid access to global transactions. When considering U.S. cross border e-commerce is expected to bring in $203 billion by 2021, it should be a no-brainer for online merchants to consider
- [Feb 22 Global payments news roundup](https://paymentsnext.com/feb-22-global-payments-news-roundup/) - Spring still seems far away in many parts of the country, so let’s warm up with the best of this week’s global payments news. Research from CompareCards.com says consumers are still looking for more credit card rates protection. Apple and Goldman Sachs have teamed up with a new iPhone/credit card with money management features. Speaking
- [Consumers want more credit card protection](https://paymentsnext.com/consumers-want-more-credit-card-protection/) - Ten years after President Barack Obama signed the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (Credit CARD Act), research by CompareCards.com shows consumers want more credit card protection. The act provided some key consumer protections. It limited banks' ability to increase interest rates on existing credit card balances, required consumers under age 21
- [Biometrics Drive the Future of Payments](https://paymentsnext.com/biometrics-drive-the-future-of-payments/) - by Ned Hayes, General Manager, SureID It’s Monday, and you need a little brain fuel in the form of caffeine intake. When you pull up to the ordering station, you name your drink. When you order, you tap the kiosk with one finger. A moment later, you pick up the triple-shot latte. At some locations,
- [Feb 15 Global payments news roundup](https://paymentsnext.com/feb-15-global-payments-news-roundup/) - What a busy week in payments news around the globe! Amazon has canceled plans for a New York HQ. US retailers lost $300 billion in sales in 2018 due to markdowns. SWIFT plans to open access to its KYC database for corporate entities. PPRO sees 48% growth in cross-border e-commerce. The FTC says romance scams
- [Will the cashless movement lose momentum?](https://paymentsnext.com/will-the-cashless-movement-lose-momentum/) - Advocates of the move towards cashless payments are excited about its possibilities but there's push back from critics who say it disenfranchises people without access to banking services. New Jersey lawmakers voted to ban cash-free stores and the order simply needs the governor’s signature to take effect. Philadelphia is the latest city planning to introduce
- [FTC says romance is costliest financial scam](https://paymentsnext.com/ftc-says-romance-is-costliest-financial-scam/) - It’s Valentine’s Day and romance may be in the air but so are financial scams, according to the US Federal Trade Commission (FTC). In 2018, more than 21,000 US residents were victimized financially by romance scams totaling more than $143 million according to the FTC’s Consumer Sentinel reports. This compares with 8,500 reports and $33
- [70% of consumers will share data with benefits](https://paymentsnext.com/70-of-consumers-will-share-data-with-benefits/) - Tightly woven into e-commerce and payments are the critical issues of trust and privacy for consumers. Experian’s Global Identity and Fraud Report found that 74% of consumers see security as the most important element of their online experience, followed by convenience. Security and convenience are so important for consumers that 70% of them will share
- [Markdowns cost US retailers $300 billion in lost sales in 2018](https://paymentsnext.com/markdowns-cost-us-retailers-300-billion-in-lost-sales-in-2018/) - A study by Coresight Research and Celect estimates non-grocery retailers lost more than 12% of annual sales or more than $300 billion due to markdowns in 2018. Just 60% of inventory is sold at full price, according to the retail leaders surveyed. Competition and rapid industry changes pose challenges According to the Coresight-Celect report: “Misjudged
- [New India e-commerce rules upend industry](https://paymentsnext.com/new-india-e-commerce-rules-upend-industry/) - New Feb 1 Foreign Direct Investment (FDI) regulations on e-commerce have the online selling business in turmoil in India. The new government regulations prohibit foreign-owned companies from restricting local retailers from their marketplace platforms or only selling products from preferred suppliers. Local Indian businesses have complained about barriers to access on the foreign-owned e-commerce platforms
- [Feb 8 Global payments news roundup](https://paymentsnext.com/feb-8-global-payments-news-roundup/) - In this week’s payments news, we’ve got an NRF prediction for 2019 retail sales growth of 4.4%. The Anti-Phishing Working Group says 38% of phishing attacks targeted payments information while the Identity Theft Resource Center reports nearly half a billion US consumer records were stolen in 2018. We’ve also got an update on cashless payments momentum,
- [Nearly half billion US personal records stolen in 2018](https://paymentsnext.com/nearly-half-billion-us-personal-records-stolen-in-2018/) - There’s good news and bad news about identity theft in 2018 according to a new report from the Identity Theft Resource Center (ITRC). The good news is the number of US data breaches decreased from a 2017 all-time high of 1,632 breaches by 23% to 1,244 breaches. Unfortunately, the number of consumer records exposed containing sensitive
- [Feb 1 Global payments news roundup](https://paymentsnext.com/feb-1-global-payments-news-roundup/) - Our global payments news roundup is truly worldwide this week. Visa and MasterCard reported solid year-end financials...
- [Reducing shopper pain points for e-retail success](https://paymentsnext.com/reducing-shopper-pain-points-for-e-retail-success/) - New research identifies key ways online retailers can increase sales by reducing friction for the online shopper.
- [Fast payments roll out nationally down under](https://paymentsnext.com/fast-payments-roll-out-nationally-down-under/) - The four major Australian banks have reached a tipping point in the roll out of fast payments via the country’s new payments platform (NPP) for their customers. According to The Sydney Morning Herald, after criticism from regulators, the big four banks now offer near real-time payments for most customers. PayID enables near-instant payments Launched in
- [Jan 25 Global payments news roundup](https://paymentsnext.com/jan-25-global-payments-news-roundup/) - Happy Friday. As always, we’ve got a roundup of the week’s best global payments news to keep you up-to-date.
- [Amazon Scout: Robot delivery to your front door](https://paymentsnext.com/amazon-scout-robot-delivery-to-your-front-door/) - Amazon announced a pilot program for Amazon Scout – a robot that will deliver your Amazon purchases to your front door.
- [How will 50+ consumers make payments in the future?](https://paymentsnext.com/50-plus-consumers-payments-in-the-future/) - New research from the Federal Reserve Bank of San Francisco shows US consumer payment preference differences by generation.
- [Do you measure up to the Top 10 US e-commerce sites?](https://paymentsnext.com/measure-up-top-10-us-e-commerce-sites/) - Top 10 US e-commerce sites make up 37.3% of the total online sales in the US.
- [Jan 18 Global Payments News Roundup](https://paymentsnext.com/jan-18-global-payments-news-roundup/) - Lots of payments industry news to cover as business picks up speed in January. The new Square business debit card doesn’t require a bank account and should get banks concerned. Fiserv acquires First Data for $22 billion in the biggest payments industry transaction ever. AMEX reported $2 billion in profit for Q4. Digital 360 looks
- [UK Open Banking is a $9.2B industry opportunity for disruptors](https://paymentsnext.com/uk-open-banking-is-a-9-2b-industry-opportunity-for-disruptors/) - A new PwC report says by 2022, “Open Banking” will provide a $9.2 billion (£7.2B) industry opportunity for fintech and other financial services disruptors.
- [Smart speaker use growing, will voice payments grow too?](https://paymentsnext.com/smart-speaker-use-growing-voice-payments/) - The total number of smart speakers in US households grew 78% to 118.5 million devices in December 2018 from December 2017. Will voice payments grow too?
- [Jan 11 Global payments news roundup](https://paymentsnext.com/jan-11-global-payments-news-roundup/) - This week’s global payments news roundup is loaded with news you can use starting with Amazon Ring security camera’s own security and privacy problems and plans for its Whole Foods subsidiary to add new suburban US locations. Brands and Amazon are wrestling with who controls branding and marketing materials in delivery packaging. High-fives at Target
- [German court says “Nein” to Amazon Dash Button](https://paymentsnext.com/german-court-says-nein-to-amazon-dash-button/) - A German court has ruled against Amazon and its Dash Button saying the device does not provide adequate consumer product information and therefore breaks consumer protection law in Germany. Dash Buttons are thumb drive-sized devices consumers can use to quickly reorder their favorite products with fast, free Prime shipping on Amazon’s mobile app or website.
- [Myths vs Facts: Debunking 3 common e-commerce misconceptions](https://paymentsnext.com/myths-vs-facts-debunking-3-common-e-commerce-misconceptions/) - Many US online retailers need to know more about cross-border payment methods and the benefits they can bring to their business growth.
- [Which US banks got the most customer complaints in 2018?](https://paymentsnext.com/which-us-banks-got-the-most-customer-complaints-in-2018/) - Banks are those people many consumers love to hate. Enough so that the US Consumer Financial Protection Bureau (CFPB) received more than 244,114 complaints against US financial institutions in 2018. There are many ways to choose your bank but a new report from LendEDU identifies which banks received the most complaints and those that never received
- [Clicks-to-bricks retail growing fast in US](https://paymentsnext.com/clicks-to-bricks-retail-growing-fast-in-us/) - Clicks-to-bricks retail is growing fast in the US in response the evolution of the customer journey.
- [E-commerce, apparel, home improvement spark $850B in holiday retail sales](https://paymentsnext.com/850b-in-holiday-us-retail-sales/) - According to the 2018 Mastercard SpendingPulse Report, US retailers enjoyed their best sales in six years with $850 billion in US holiday retail sales, an increase of 5.1% over 2017. MasterCard said consumer spending was driven primarily by strong apparel sales, up 7.9% from 2017, home improvement sales up 9%, and furniture and home goods up
- [Jan 2 - Global Payments News Roundup](https://paymentsnext.com/jan-2-global-payments-news-roundup/) - Happy New Year and welcome to the first global payments news roundup for 2019. We start with an in-depth World Payments 2018 Report from Capgemini and BNP Paribas, which should be essential reading for every payments professional. Wired magazine takes a look at the brighter future of retail after a successful 2018 in many segments.Juniper
- [Dec 28 Global payments news roundup](https://paymentsnext.com/dec-28-global-payments-news-roundup/) - Today’s global payments news includes a look at payments trends for 2019, China’s fintech boom and rise of retail, more contactless payments coming for restaurants, Sears struggles, Fitbit Pay takes on Indian market, mergers and acquisitions, and much more. 7 key payment trends to watch in 2019 For years, this was a pretty cut-and-dried proposition.Cash,
- [Dec 27 Global payments news roundup](https://paymentsnext.com/dec-27-global-payments-news-roundup/) - Here's a quick news roundup, just in case you've had enough eggnog and want something to read to stay up-to-date on the latest payments news from around the globe. Retail Trends In 2019 What’s next for retail tech? CB Insights examined 21 of the biggest retail trends, covering everything from automated checkout to inventory management.
- [Season's greetings & best holiday wishes](https://paymentsnext.com/seasons-greetings-best-holiday-wishes/) - From all of us at Payments NEXT, all the best for the holiday season with family and friends!
- [Dec 21 Global payments news roundup](https://paymentsnext.com/dec-21-global-payments-news-roundup/) - Welcome to our final global payments news roundup for the year. We’ll be taking a Christmas break and back with you in January. Meanwhile, here’s the best of this week’s global payments news for your weekend reading. SEC Charges Two Robo-Advisers With False Disclosures The Securities and Exchange Commission today instituted settled proceedings against two
- [Kroger launches AZ driverless delivery of groceries](https://paymentsnext.com/kroger-launches-az-driverless-delivery-of-groceries/) - America’s largest grocer, Kroger launched a pilot program for driverless delivery of groceries in Scottsdale, AZ.
- [What's the future of ATMs?](https://paymentsnext.com/whats-the-future-of-atms/) - RBR Research shows the number of ATMs installed worldwide peaked at 3.28 million in 2017 and will slowly decline to 3.23 million ATMs by 2023.
- [Mercato helps independent grocers compete with online sales & delivery](https://paymentsnext.com/mercato-helps-independent-grocers-compete-with-online-sales-delivery/) - Independent grocers and small shop owners can now compete with online sales and delivery against their biggest competitors thanks to NYC-based Mercato Inc.
- [2019 payments industry predictions roundup](https://paymentsnext.com/2019-payments-industry-predictions-roundup/) - It’s a busy time of year, so we’ll make today’s newsletter a quick one with a fast roundup of 2019 payments industry predictions from the experts. Perfect for reading on your mobile or while you’re in between making your last-minute online orders. Four Payment Tech Predictions for 2019 Today’s ever-changing and competitive retail climate make
- [Ingenico's Four Corners of Global Payments Insights](https://paymentsnext.com/ingenicos-four-corners-of-global-payments-insights/) - Ingenico released a new White Paper called "Four Corners of Global Payments." The paper provides valuable insights into payments data and trends from North America, Latin America, Asia and Europe. We've got highlights of the report to help you think about regional strategies for growth and new market entries. Global Payments Overview Data for 2014 showed
- [Payments news roundup: Zelle, Walmart Pay, WorldRemit, Plynk, Android Pay](https://paymentsnext.com/payments-news-roundup-zelle-walmart-pay-worldremit-plynk-android-pay/) - It's a busy week in payments news around the world and we've got the latest developments to keep you up-to-date. Zelle has launched its new P2P app and payments platform which allows fast sending of money by email and mobile phone number. It is backed by 30 US and international financial institutions including Ally Bank,
- [Payments news roundup: Monese, Vyze, SoFi, Revolut, Mobikwik, Circle, Visa](https://paymentsnext.com/payments-news-roundup-monese-vyze-sofi-revolut-mobikwik-circle-visa/) - Today's payments news roundup covers new developments, innovations and payments industry stories from around the globe. Euromoney looks at how EU banks are lagging in digital technology and where they are not keeping up with the marketplace and fintech disruptors. A new Vyze study shows retail store cards are attracting more users as millennials move away from
- [Blockchain buzz: Latest blockchain business cases from around the world](https://paymentsnext.com/blockchain-buzz-latest-blockchain-business-cases-from-around-the-world/) - We've got the latest blockchain business cases from banking to business and beyond. According to a new CB Insights report, bankers are definitely bullish on blockchain with more than 50 projects underway among major international banks including Goldman Sachs and Citi. While "blockchainization" is definitely underway, many projects are smaller tests to solve various pain
- [Blockchain business and bitcoin investment roundup](https://paymentsnext.com/blockchain-business-and-bitcoin-investment-roundup/) - Our posts today look at the latest blockchain business cases and profiles of the latest bitcoin boosters from around the globe. In blockchain business case news, the US Treasury is looking closely at blockchain technology potential while a US Department of Energy research lab is exploring blockchain to manage energy grids. The European Commission is
- [Oct 16 Payments news roundup](https://paymentsnext.com/payments-fraud-news-kount-gift-card-fraud-f-b-e-commerce-holiday-shopping-fraud-trends/) - We're looking at the many faces of fraud from gift card and e-commerce fraud to chargebacks and holiday fraud trends.
- [Blockchain technology news: Business cases, applications growing faster, globally](https://paymentsnext.com/blockchain-technology-news-business-cases-applications-growing-faster-globally/) - Today's blockchain technology news looks at the rapid increase in blockchain business cases and continuing embrace by the industries around the world. Stellar and IBM announced a partnership to use Stellar's lumens cryptocurrency for cross-border payments. At Sibos, the buzz was all about real-time payments and how to enable them with blockchain technology. Speaking at a
- [Global payments news: Apple Pay, Venmo, ECB, B2B, Flipkart, Payfort, APAC, Wirecard](https://paymentsnext.com/global-payments-news-apple-pay-venmo-ecb-b2b-flipkart-payfort-apac-wirecard/) - We've got a decidedly global collection of payments news today from the US, EU and Middle East to India and SE Asia. FTI Consulting says US e-commerce sales now account for 12% of sales and will reach $1 trillion by 2027. Venmo and PayPal have partnered to enable Venmo customers to pay at more than 2
- [PaymentsNEXT news: Walmart Pay & Paytm grow; mobile payments roundup](https://paymentsnext.com/paymentsnext-news-walmart-pay-mobile-payments-roundup/) - Today's newsletter features an in-depth look at the success of Walmart Pay which is poised to overtake Apple Pay's number of mobile payments users inside the giant retailer. The growth will surprise you and is a credit to Walmart's strategic plan. Watch what happens when US consumers really start to use mobile payments in the
- [Market trends: Altcoins up strongly and 23% of bitcoins missing in action](https://paymentsnext.com/market-trends-altcoins-up-strongly-and-23-of-bitcoins-missing-in-action/) - Our newsletter today looks at surprising bitcoin research from Chainalysis and our own analysis of the impressive recent surge in top altcoins' market capitalization. Chainalysis research shows up to 23% of bitcoin are MIA A new report by bitcoin research firm Chainalysis shows between 17% to 23% of bitcoins have disappeared or are out of
- [US & HK fintech regulations going in the right direction](https://paymentsnext.com/us-hk-fintech-regulations-going-in-the-right-direction/) - The UK has already used regulations to encourage and manage fintech growth. Two recent stories show that fintech regulations are definitely going in the right direction in the US and Hong Kong as well. 7 US states coordinate fintech regulations Seven US states – Georgia, Illinois, Kansas, Massachusetts, Tennessee, Texas and Washington – have agreed
- [Google Pay launches new combo payments app](https://paymentsnext.com/google-pay-launches-new-combo-payments-app/) - Google launched Google Pay on Tuesday – its effort to consolidate and compete directly with Apple Pay and other global mobile payments competitors. The new Google Pay app replaces Android Pay, used to pay at checkouts, and Google Wallet, which let users send money to friends and family. Google Pay has two new interfaces Google
- [Research: 26% of UK shoppers ready for contactless payments](https://paymentsnext.com/research-26-of-uk-shoppers-ready-for-contactless-payments/) - New research by MasterCard shows that UK shoppers are keen to make contactless payments using smart devices such as rings, bracelets and smart watches. More than 50,700 consumers were surveyed in nine EU countries and 26% of UK residents said they would be willing to pay using smart devices. In the UK, 36% of payments
- [No bank? PayPal wants you](https://paymentsnext.com/no-bank-paypal-wants-you/) - Got no bank? You may be just the customer PayPal is looking for. Of course, more than 227 million worldwide customers know and likely use PayPal often for payments services. PayPal doesn’t have a US bank license but that hasn’t stopped it from moving further into the banking business by midsummer through partnerships with several
- [Payments news: PayPal chases unbanked; banks drop mobile; crypto credit](https://paymentsnext.com/payments-news-paypal-chases-unbanked-banks-drop-mobile-crypto-credit/) - Today, we’re looking at PayPal’s campaign to bring in new customers from the nine million “unbanked” US residents who either don’t use a bank or don’t like using banks. We examine how traditional banks are losing mobile customers because their user experience on bank mobile sites is so bad. Finally, the ins and outs of
- [Pay bills in Microsoft Outlook soon](https://paymentsnext.com/pay-bills-in-microsoft-outlook-soon/) - Microsoft today announced plans to enable bill payments within its Microsoft Outlook email program. The integration will let users pay invoices and bills within the email program using Microsoft Pay and a select group of payment processors and billing and invoice services. When you receive and invoice or bill by your Outlook email, you'll be
- [Chargebacks cost $31 billion; Target launches free delivery](https://paymentsnext.com/chargebacks-cost-31-billion-target-launches-free-delivery/) - Today's newsletter looks in-depth at a new Javelin Research & Strategy/Verifi research report that says chargebacks cost the industry $31 billion annually. We also look at Target's new free delivery program called Target Restock and how it hopes to up the competition with Amazon. Cost of chargebacks in 2017? $31 billion According to a new
- [Mad Money’s Cramer: What’s driving Visa double-digit global growth?](https://paymentsnext.com/mad-moneys-cramer-whats-driving-visa-double-digit-global-growth/) - CNBC’s Mad Money host Jim Cramer interviewed Visa CEO Al Kelly for an eye-opening look at why he thinks payment stocks may be the safest investment play in the financial sector. “Visa has no interest rate risk,” Cramer said. “Visa’s not gonna get crushed if the economy has a fed-mandated slowdown. It doesn’t have debt
- [E-commerce fraud jumps 30%; Amazon 2017 annual report highlights](https://paymentsnext.com/e-commerce-fraud-jumps-30-amazon-2017-annual-report-highlights/) - Payments NEXT news includes a look at e-commerce fraud jumping 30% and Amazons 2017 annual report highlights.
- [Cryptocurrency news: Who's bullish on bitcoin and who's bashing?](https://paymentsnext.com/cryptocurrency-news-whos-bullish-on-bitcoin-and-whos-bashing/) - Our cryptocurrency news covers the week's record bitcoin valuations, who's bullish, who's bashing bitcoin and who wants to control the coin?
- [Bitglass: Financial institution data breaches tripled in two years](https://paymentsnext.com/bitglass-financial-institution-data-breaches-tripled-in-two-years/) - Bitglass research shows financial institution data breaches have tripled in just two years.
- [Where in the world are AI, chatbots and biometrics payments going?](https://paymentsnext.com/where-in-the-world-are-ai-chatbots-and-biometrics-payments-going/) - Where in the world are artificial intelligence, chatbots, and biometrics payments going?
- [Online fraud drops but cybercrime and chargebacks challenges remain](https://paymentsnext.com/online-fraud-drops-but-cybercrime-and-chargebacks-challenges-remain/) - Today, we're looking at the latest online fraud and chargeback news and trends to see if there are solutions ahead.
- [Payments news roundup: IBM, Walmart, Instagram, security breaches, more...](https://paymentsnext.com/payments-news-roundup-ibm-walmart-instagram-security-breaches-more/) - The latest global payments news includes stories on IBM, Walmart, Serious security breaches, and more.
- [Chargebacks, card-not-present fraud and online security news roundup](https://paymentsnext.com/chargebacks-card-not-present-fraud-and-online-security-news-roundup/) - Our payments news highlights today include chargebacks, card-not-present fraud and the latest in online security news.
- [Bitcoin news: Bitcoin bubble? Peach Aviation, MasterCard, Walmart](https://paymentsnext.com/bitcoin-news-bitcoin-bubble-peach-aviation-mastercard-walmert-ripple/) - Bitcoin news: Is it a bitcoin bubble? Peach Aviation, MasterCard, Walmart and others in the news.
- [Cybersecurity news: chargebacks, credit card fraud, and chatbot lawyers](https://paymentsnext.com/cybersecurity-news-chargebacks-credit-card-fraud-crime-chatbot-lawyers/) - Cybersecurity news roundup including chargebacks, credit card fraud, crime, and chatbot lawyers.
- [Chatbots: The fintech disruptor that's already here](https://paymentsnext.com/chatbots-the-fintech-disruptor-thats-already-here-everywhere-tomorrow/) - Chatbots are the fintech disruptor that's already impacting the financial services industry.
- [Payments fraud & e-commerce security update: Verifone, Emailage, ThreatMetrix, Forter](https://paymentsnext.com/payments-fraud-e-commerce-security-update-verifone-emailage-threatmetrix/) - Forter cited a 79% increase in the risk of fraud for 2016 US holiday orders with biggest increases in apparel (69.9%), food and beverage (49.8%),
- [Market highs, celebrity ICOs, Parity hack, bitcoin ETFs](https://paymentsnext.com/cryptocurrency-bitcoin-news-market-highs-celebrity-icos-parity-hack-bitcoin-etfs/) - Payments Next news included Market highs, celebrity ICOs, Parity hack, and the rise of bitcoin ETFs.
- [Alibaba's Singles Day makes double-digit record sales of $30.8 billion](https://paymentsnext.com/alibabas-singles-day-double-digit-record-sales-31-billion/) - The rise of the Chinese middle class is critical to the success of Alibaba said Executive Vice Chairman Joe Tsai.
- [NFIB reports Small Business Saturday sales were strong](https://paymentsnext.com/nfib-reports-small-business-saturday-sales-strong/) - US Small Business Saturday 2018 racked up a record $17.8 billion in sales at independent retailers and restaurants.
- [Dec 7 Global payments news roundup](https://paymentsnext.com/dec-7-global-payments-news-roundup/) - .Payments NEXT December 7 global payments news roundup.
- [Two trends to watch: Cryptocurrency payments & remote shopping](https://paymentsnext.com/two-trends-to-watch-cryptocurrency-payments-remote-shopping/) - Retailers need to keep an eye on cryptocurrency payments and remote shopping growth.
- [What’s the real cost of merchandise returns?](https://paymentsnext.com/whats-the-real-cost-of-merchandise-returns/) - Merchandise returns cost US retailers more than $351 billion annually
- [Dec 15 Weekly global payments news roundup](https://paymentsnext.com/dec-14-weekly-global-payments-news-roundup/) - You’re probably elbows deep in holiday shopping crowds, and keeping the shelves stocked online and in-store. So, we’ve got a fast roundup of the best weekly global payments news for your weekend reading. Take a few moments break to read and catch up and then it’s back to work. Dashing to the stores: Last-minute holiday
- [Watch out, malicious bots are coming for your business](https://paymentsnext.com/watch-out-malicious-bots-are-coming-for-your-business/) - The problem of bad bot attacks online is growing fast and most organizations are unprepared to quickly identify and eliminate malicious bot attacks.
- [29 US banks join Google Pay](https://paymentsnext.com/29-us-banks-join-google-pay/) - Digital wallet Google Pay announced 29 US banks and credit unions will join its mobile payments network this month. These financial institutions join a growing list of international banks on board with the growing payments platform. Norwegian Danske Bank also added Google Pay for its five million Northern European customers. Google Pay estimates it has
- [GrooveKart Review: Taking e-commerce to the next level](https://paymentsnext.com/groovekart-review-taking-e-commerce-to-the-next-level/) - GrooveKart is a fully featured e-commerce platform that allows businesses to quickly set up and sell products and services online.
- [Walmart Dotcom Store raises the online shopping bar for competitors](https://paymentsnext.com/walmart-dotcom-store-raises-online-shopping-bar/) - Walmart keeps finding new ways to challenge Amazon’s dominance of online shopping. The company announced a new in-store app that gives Walmart store associates and in-store customers access to the entire Walmart.com inventory. Order, Pay, Pickup or Delivery Is your nearby Walmart store sold out of Wonder Woman 1-Cup Coffee Maker or a special shade
- [Consumers looking for a cyber-secure holiday shopping season](https://paymentsnext.com/consumers-looking-for-a-cyber-secure-holiday-shopping-season/) - New research from the University of Phoenix shows consumers have heightened concern for their online security during the busy holiday shopping season. The recent data breach of 500 million Marriott Hotel customer accounts adds to the anxiety level of consumers about their online identity and financial information security. At the same time, two-thirds (66%) of
- [Nov 30 Global payments news roundup](https://paymentsnext.com/nov-30-global-payments-news-roundup/) - We’ve got our popular Friday fast roundup of the global payments news you should know about. There's a report on mobile shopping and mobile payments, Cyber Monday sales records, Jet.com's sales slide, Marriott's 500 million accounts data breach, a coffee cup with contactless payments, and much more. Report: Mobile Shopping, Yes. Mobile Payments? No. As
- [Returns fraud still plagues retailers](https://paymentsnext.com/returns-fraud-plagues-retailers/) - In the midst of the busiest shopping days of the year, fraudulent returns by consumers continue to cause problems and cost retailers in-store and online. Overall, product returns decreased slightly from 11.3% in 2017 to 10.8% this year, according to recent National Retail Federation (NRF) research. There’s a small amount of good news as the
- [Many merchants prefer your debit and credit cards over cash payments](https://paymentsnext.com/merchants-prefer-debit-credit-over-cards-over-cash-payments/) - During this holiday season, busy shoppers may find that some merchants prefer payments with debit or credit cards instead of cash payments. USA Today reports some of the companies going cashless include clothing retailers such as Bonobos, Indochino, Everlane and Reformation; Amazon bookstores; Casper Mattress; Drybar hair styling; The Bar Method fitness studios; and United and
- [Cyber Monday sales set new record of $7.9 billion](https://paymentsnext.com/cyber-monday-sales-set-new-record-of-7-9-billion/) - Cyber Monday sales numbers are in and it’s a $7.9 billion online sales record. According to Adobe Analytics, Cyber Monday sales grew 19.3% from last year. Black Friday recorded a record $6.2 billion in sales and Thanksgiving Day sales reached $3.7 billion. Consumers are confident Sales reflected consumer confidence and retailers and industry analysts predict
- [Walmart Toy Lab takes toys marketing seriously](https://paymentsnext.com/walmart-toy-lab-takes-toys-marketing-seriously/) - Just in time for holiday and Christmas shopping, Walmart has launched The Walmart Toy Lab where kids can play with the top 20-rated toys on their computer or tablet. The online children's marketing product feature was developed with interactive video entertainment producer Eko and is part of Walmart’s push to expand its share of the lucrative toys
- [Holiday week Thanksgiving sales in-store and online surged](https://paymentsnext.com/thanksgiving-sales-in-store-and-online-surged/) - Total in-store and online Thanksgiving sales through the holiday weekend showed positive results led by a sharp increase in e-commerce. According to the majority of retail industry analysts, strong Thanksgiving weekend results are leading into the traditionally strong Cyber Monday finale. KeyBanc analysts Edward Yruma, Bradley Thomas, and Brett Andress said, "We think the holiday
- [US Black Friday sales set online record of $6.22 billion](https://paymentsnext.com/us-black-friday-sales-online-record/) - US Black Friday sales set a record $6.22 billion according to Adobe Analytics. For the first time, more than $2 billion or 33.5% of online sales were made on smartphones making mobile a big factor in sales. The record sales represented 23.6% growth over last year and analysts expect Cyber Monday will set record sales
- [Nov 23 Global payments news roundup](https://paymentsnext.com/nov-23-global-payments-news-roundup/) - Leading into the post-Thanksgiving weekend, we’re sharing a collection of global payments news that caught our eye this week, starting with a preliminary Black Friday sales report along with a few summaries of Thanksgiving Day shopping spending. Early indicators reveal a strong Black Friday Black Friday is on track to hit over $6.4 billion in
- [Happy Thanksgiving – A time for family, friends & feasting](https://paymentsnext.com/happy-thanksgiving-us/) - Thanksgiving in the US originated as a Pilgrim harvest festival celebrated in October 1621. According to Wikipedia, the feast lasted three days and was attended by 90 Native Americans and 53 Pilgrims. "The First Thanksgiving at Plymouth" by Jennie Augusta Brownscombe - Stedelijk Museum De Lakenhal President George Washington first proclaimed it as a national
- [Consumers plan to spend more in-store and online Thanksgiving shopping](https://paymentsnext.com/consumers-plan-to-spend-more-in-store-and-online-thanksgiving-shopping/) - Hey big spenders and sellers, we've got a Thanksgiving shopping research special report for you. Consumers are getting ready to open their purses and wallets for the holiday shopping season, according to the National Retail Federation (NRF) and Prosper Insights & Analytics. 43% of young adults ages 18-24 and 38% of those 25-34 said they
- [NRF/Forrester research shows retail payments changes coming](https://paymentsnext.com/nrf-forrester-research-sretail-payments-changes/) - New research from the National Retail Federation (NRF) and Forrester show retailers, e-commerce sellers and payments industry leaders expect many changes in retail payments in the near future. 44% of retailers no longer require signatures for debit card transactions, 13% will eliminate them by the end of 2019 and another 9% by the end of
- [75.6% abandon purchases in their online shopping cart](https://paymentsnext.com/shopping-cart-abandonment/) - SurePayroll estimates US e-commerce platforms lose roughly $18 billion in potential revenue each year to abandoned carts. With the holiday shopping season ready to roll, it’s a great time to consider the impact of a shopping cart abandonment on sales and revenue. According to SalesCycle, 75.6% of consumers abandoned purchases in their online shopping carts
- [Payments NEXT: Nov 16 global payments news roundup](https://paymentsnext.com/nov-16-global-payments-news/) - It’s a week from Black Friday, but the Black Friday ads are already running in full force. To help you get through the weekend while you shop online, we’ve got our popular Friday global payments news roundup ready for your weekend reading. Payments Trends to Watch in 2019 As fast as technology is growing today,
- [Walmart & Ford test driverless deliveries in Miami](https://paymentsnext.com/walmart-ford-driverless-deliveries-miami/) - Shopping at Walmart got even easier if you live in Miami, thanks to a collaboration between Walmart, Ford and delivery service Postmates. The new test drive lets customers shop for groceries online, have their order picked and packaged by Walmart’s personal shoppers and delivered in a driverless deliveries vehicle. Already test driving with Waymo Walmart has
- [Cequence protects from internet’s 31% malicious bot traffic](https://paymentsnext.com/cequence-protects-from-malicious-bots/) - Cequence Security announced an innovative application security platform that protects against the growing number of malicious bot attacks impacting online businesses. An estimated 31% of internet traffic is now made up of malicious bots with another 31% of traffic made up by “good” bots and 38.5% by humans according to ITLC. “From a bad actor’s
- [IoT payments a novelty now but will reach $410 billion by 2023](https://paymentsnext.com/iot-payments-410-billion-by-2023/) - Internet of Things (IoT) payments will total an estimated $24.5 billion in 2018 but Juniper Research predicts the IoT payments market will grow at an impressive average of 75% per annum over the next 5 years, reaching $410 billion by 2023. A large portion of that future growth will come from in-vehicle payments, according to
- [Experian says 2018 holiday shoppers plan to spend 14% more](https://paymentsnext.com/experian-says-2018-holiday-shoppers-plan-to-spend-14-more/) - Experian‘s 2018 Holiday Survey shows holiday shoppers are in a generally positive mood about holiday shopping and plan to spend 14% more this year than in 2017. The 2018 survey provides useful insight into shoppers’ thoughts on spending plans, budgets and interesting differences between the shopper generations. Spend, spend, spend This year, more consumers plan to
- [Nov 10 Payments NEXT Global Payments Newsletter](https://paymentsnext.com/nov-10-payments-next-global-payments-newsletter/) - Welcome to this week’s Payments NEXT newsletter with lots of pre-Black Friday and holiday sales data and predictions, including a 14% increase in spending this year and online sales expected to reach $124 billion. We’ve got a look at how Sears missed the e-commerce and mobile sales bandwagon and 7-Eleven’ new hybrid cashierless checkout system.
- [Nov 9 Global payments news roundup](https://paymentsnext.com/nov-9-global-payments-news/) - Here’s the global payments news that got our attention this week, curated and provided for your weekend reading. Look for plenty of pre-Black Friday and holiday sales data and predictions, including a 14% increase in spending this year. Check out the estimated $30 billion organized retail crime wave. Amex gets approval to process payments in
- [Why Sears sagged in the e-commerce economy](https://paymentsnext.com/why-sears-sagged-in-the-e-commerce-economy/) - Founded in Chicago in 1892, Sears, Roebuck & Company began business as a mail order catalog company. It began opening stores in the US in 1925 with its first store in Evansville, Indiana and was the largest-selling US retailer until Walmart surpassed it in 1989. Sears fall from grace and success has been well told
- [7-Eleven introduces hybrid mobile cashierless checkout](https://paymentsnext.com/7-eleven-introduces-hybrid-mobile-cashierless-checkout/) - In 14 stores in its Dallas headquarters market, 7-Eleven is testing a mobile cashierless checkout app called Scan and Pay. Customers can pick up a Slurpee, snacks and other items, scan the product barcodes with a mobile app, pay by your favorite payment provider, display a QR code from your phone to a cashier-less checkout
- [US online holiday sales will reach a record $124 billion](https://paymentsnext.com/us-online-holiday-sales-will-reach-a-record-124-billion/) - Adobe is forecasting a record $124 billion in US online sales during the 2018 holiday sales season. Based on Adobe Analytics data, Adobe says online sales will increase by 14.8%, totaling $124.1 billion, while offline retail spending is expected to increase a modest 2.7%. Cyber Monday could be the largest online sales day ever Sales
- [Nov 2 Global payments news roundup](https://paymentsnext.com/nov-2-global-payments-news-roundup/) - The pace of payments news picked up dramatically as we get closer to Black Friday and holiday sales. Here’s the global payments news that caught our attention starting with Adobe's prediction of a record $124 billion holiday e-commerce season. Eight US retailers including Sears, Claire's and JCPenney must have a strong holiday sales season to
- [Connected car commerce will zoom to $265 billion by 2023](https://paymentsnext.com/connected-car-commerce-will-zoom-to-265-billion-by-2023/) - When you connect car lovers with e-commerce, you end up with a potential marketplace of $265 billion by 2023, according to the latest Juniper Research report. The report predicts the number of connected vehicles will jump from 330 million in 2018 to more than 775 million by 2023. That means connected car commerce could exceed
- [Rethinking loyalty: How to remove inefficiency from your loyalty program](https://paymentsnext.com/rethinking-loyalty-how-to-remove-inefficiency-from-your-loyalty-program/) - Is your original pre-digital loyalty program meeting the needs of new digital-savvy consumers with sky-high expectations? A new whitepaper from West Monroe Partners suggests many loyalty programs are overcomplicated, too transactional, and too homogeneous. They no longer meet their original goal of inspiring true customer loyalty. The research is clear – consumers actively engage with
- [Sam’s Club goes cashierless checkout in new Dallas store](https://paymentsnext.com/sams-club-goes-cashierless-checkout-in-new-dallas-store/) - If you’re a Sam’s Club shopper in Dallas, you’ll soon be able to use a new "Sam's Club Now" app to scan and pay for your groceries and exit the new high-tech store at a cashierless checkout. Think of it like Amazon Go, except bigger and with more product choices for shoppers. Smaller and more high-tech
- [Where are the opportunities for US cross-border e-commerce?](https://paymentsnext.com/where-are-the-opportunities-for-us-cross-border-e-commerce/) - US online merchants are far behind building their cross-border e-commerce growth because most are not offering enough or any local payment methods in international markets. A new PPRO whitepaper shows that US merchants need to make local payment methods (LPM) available because traditional credit card payments such as Visa and MasterCard will make up only
- [Oct 26 Global payments news roundup](https://paymentsnext.com/oct-26-global-payments-news-roundup/) - Here’s the global payments news that caught our eye this week including Shopify/Venmo and Amazon/AMEX partnerships, Visa’s double-digit growth, Amazon Q3 results, US cross-border payments research, Swedish government’s e-krona digital currency, British Airways hack, Canadian cannabis sales going higher, and much more. It’s payments news you can use. Shopify introduces Venmo as checkout payment option
- [Timeline of major 2015-2018 US Retail Bankruptcies](https://paymentsnext.com/timeline-of-major-2015-2018-us-retail-bankruptcies/) - Last week, Sears finally succumbed to Chapter 11 bankruptcy protection after a decades-long and painful struggle. Sears expects to close 142 unprofitable stores by the end of this year. Mattress Firm also announced bankruptcy plans to close 700 of its stores across the US. These are just two of the latest US retail bankruptcies. CBI
- [Payments NEXT - Oct 19: Global payments news roundup](https://paymentsnext.com/payments-next-oct-19-global-payments-news-roundup/) - Welcome to Payments NEXT’s Friday global payments news roundup featuring breaking news, industry insight, trends, research and much more. PayPal Scores an AmEx Tie-Up and Notches a Strong Quarter, Though Challenges Loom PayPal began working with competitive and semi-competitive partners, and on Thursday it added the last major US card network by announcing a tie-up
- [Google Pay and PayU extend partnership in EU online payments](https://paymentsnext.com/google-pay-and-payu-extend-partnership-in-eu-online-payments/) - Online retailers using PayU in Europe can now add to Google Pay to mobile and online payments for customers. Google and PayU first introduced Android Pay (now Google Pay) to the Poland market earlier in 2018. “Thanks to Google Pay, users in Poland and Europe no longer need to create accounts in every new application
- [Mobile banking report ranks top US financial institutions & features](https://paymentsnext.com/mobile-banking-report-ranks-top-us-financial-institutions-features/) - Mitek released a new report ranking the top 20 US retail financial institutions based on the customer experience, quality and features of their mobile banking deposit app and services. The third annual 2018 Mobile Deposit Benchmark Report shows that financial institutions investing in the design, customer experience and features of their mobile deposit app are
- [Which e-commerce EU & CIS markets are growing fastest?](https://paymentsnext.com/which-e-commerce-eu-cis-markets-are-growing-fastest/) - You may be surprised to learn which e-commerce markets in Europe and the Commonwealth of Independent States are growing the fastest. In fact, according to the latest PPRO research report, the average e-commerce growth-rate is 25% in this region, two-and-a-half times higher than the average growth rate for Western and Central Europe. Let’s look at
- [Retail sales up 3% in Sept; holiday sales forecast looking festive](https://paymentsnext.com/retail-sales-up-3-in-sept-holiday-sales-forecast-looking-festive/) - New National Retail Federation (NRF) research shows September retail sales were up 3.0% over last September and projections for 2018 holiday sales indicate 4.3% to 4.8% growth over last year. NRF Chief Economist Jack and said, “Recent solid wage gains and other fundamentals continue to propel spending, which has been supported by tax cuts, saving and
- [Payments NEXT News: Cybersecurity facts, H&M, shopper friction, Target Smartly](https://paymentsnext.com/payments-next-news-cybersecurity-facts-hm-shopper-friction-target-smartly/) - It was a busy week in payments news. We’ve got a must-read list of 10 small business cybersecurity facts you should know. There’s also a look at the strategy behind retailer H&M’s investment in online payments company Klarna and Zebra Technologies’ 2018 Shopper Study. We wrap up this issue of Payments NEXT news with a
- [10 SMB cybersecurity facts you should know](https://paymentsnext.com/10-smb-cybersecurity-facts-you-should-know/) - Dell shares some valuable cybersecurity facts and figures. Here are just 10 reasons small to midsize business need to make cybersecurity a priority. There are 4,000-plus ransomware attacks occur daily on business networks and home computers. Passwords are the most common data affected when a company is a victim of a cyberattack. Always use strong passwords
- [Retailer H&M invests in payments firm Klarna](https://paymentsnext.com/retailer-hm-invests-in-payments-firm-klarna/) - In an unusual deal, Swedish-headquartered fast fashion retailer H&M invested $20 million to acquire under 1% of online payments firm Klarna. H&M will implement Klarna’s payments platform in its retail and online channels to provide shoppers with what it calls a “frictionless” payments experience starting in 14 EU countries including the UK and Sweden and
- [Target goes after competition with Smartly brand discounts](https://paymentsnext.com/target-goes-after-competition-with-smartly-brand-discounts/) - Target’s newly-announced Smartly brand private-label discount products may turn out to be its most effective defense against competitors ranging from Amazon and Walmart to dollar stores. Target introduced a whole line of more than 70 everyday items, from all-purpose cleaner and body lotion to paper plates and razor blades—with most items less than $2. Products will start
- [Zebra 2018 Shopper Vision Study: Shopper friction](https://paymentsnext.com/zebra-2018-shopper-vision-study-shopper-friction/) - Did you know nearly half of customers are still dissatisfied with the customer service that’s offered in-store and online? According to Zebra Technologies’ 2018 Shopper Study, 44% of shoppers are not satisfied with staff availability and customer service in-store while 55% are unhappy with the same online. That's a lot of shopper friction. There’s a
- [Payments NEXT newsletter: The week’s latest global payments news](https://paymentsnext.com/payments-next-newsletter-the-weeks-latest-global-payments-news-2/) - Just in time for your weekend reading, we’ve got the latest global payments news including a close-up on Square Installments new payments plan, a Thanksgiving Day retail sales forecast, the latest research on data breaches, the online sales tax storm and our popular global payments news roundup. Square Installments gives small business customers easy payments
- [Payments news roundup: NRF holiday sales, Square, Bitglass, NAFTA, Danske](https://paymentsnext.com/payments-news-roundup-nrf-holiday-sales-square-bitglass-nafta-danske/) - Here are the top global payments news stories from this week, all curated for your weekend reading pleasure. Fed seeks feedback on plans for RTGS system for faster payments The Federal Reserve Board is calling for public comment on its plans to build a real-time is settlement (RTGS) system that finally brings faster payments to
- [Square Installments gives small business customers easy payments plan](https://paymentsnext.com/square-installments-gives-small-business-customers-easy-payments-plan/) - Square today launched a new payment option for small businesses to let customers pay for larger purchases in monthly installments. Initially, the new Square Installments payments plan is available in 22 states for businesses already using Square payments. Brilliantly simple for customers Square Installments offers a simple way for customers to make a large purchase
- [Thanksgiving Day retail sales forecast? Closed!](https://paymentsnext.com/thanksgiving-day-retail-sales-forecast-closed/) - Thanksgiving Day is probably the second most popular holiday in the US and with in-store traffic slowly declining, a large number of US retailers are planning to close that day. Seattle’s REI started the trend a few years ago when it decided to give employees the day off on Black Friday. Despite the impact on
- [Online sales tax in 13,000+ jurisdictions now a reality for online sellers](https://paymentsnext.com/online-sales-tax-in-13000-jurisdictions-now-a-reality-for-online-sellers/) - The US Supreme Court decided on June 21, 2018, that states and local governments could require online retailers to collect online sales tax even if they don’t have a physical presence in the local tax jurisdiction. In South Dakota v. Wayfair Inc., the court left it up to US Congress to pass legislation to streamline
- [Payments NEXT newsletter: The week’s latest global payments news](https://paymentsnext.com/payments-next-newsletter-the-weeks-latest-global-payments-news/) - Lots of timely global Payments NEXT news for your weekend reading starting with the launch of Amazon 4-Star store in Soho, fraudsters using look-alike URLs, biometrics and contactless payments trends and much more. Also, check out our week’s best payments news roundup. Is Amazon 4-Star reinventing the department store? Opening tomorrow, the company describes Amazon
- [Global payments news roundup: Amazon, Bon-Ton, PCI, AI, future of malls](https://paymentsnext.com/global-payments-news-roundup-amazon-bon-ton-pci-ai-future-of-malls/) - Here’s what we’ve been reading in the global payments news this week. There’s everything from Amazon’s new 4-Star concept store to the mall of the future, biometric payments, contactless payments research and the challenge of look-alike domains. It’s all the news you can use for your weekend reading. Full PCI Compliance Drops for the First
- [Look-alike domains pose growing threat to online sellers, shoppers](https://paymentsnext.com/look-alike-domains-pose-growing-threat-to-online-sellers-shoppers/) - With the fast growth of online shopping, a new research report from Venafi shows hackers are also increasing their efforts to steal confidential shopper data using look-alike domains. Global cybersecurity firm Venafi analyzed suspicious domains targeting the top 20 retailers in the US, UK, France, Germany, and Australia. Cyber attackers create fake domains by substituting
- [Is Amazon 4-Star reinventing the department store?](https://paymentsnext.com/is-amazon-4-star-reinventing-the-department-store/) - If you’re a certain age, you might remember the grand FW Woolworth's department store. Founded in 1878, the successful chain pioneered the five-and-dime store where you could find thousands of products at reasonable prices. It grew into one of the world’s largest department store chains until closing for good in July 1997. It would be
- [Can Visa get contactless payments to stick this time around?](https://paymentsnext.com/can-visa-get-contactless-payments-to-stick-this-time-around/) - It’s not like Visa and MasterCard haven’t tried to get US consumers to embrace contactless cards. But according to a recent infographic released by Visa, only 0.6% of US consumers used contactless payments as of September 2017. Contrast that with some of the biggest adopters of contactless payments which include Australia (92%), Czech Republic (91%),
- [Biometric payments cards butting heads with real-world customer usage](https://paymentsnext.com/biometric-payments-cards-butting-heads-with-real-world-customer-usage/) - The payments industry loves the promise of new technology whether it’s mobile payments, fingerprints, facial recognition or other biometric payments. But the challenge of moving from test markets to the real world is always present. Visa, Mountain America Credit Union, and Fingerprints AB ran a pilot project with 200 consumers testing a new biometric payments
- [Regtech compliance disruption growing; spending will reach $115.9 billion](https://paymentsnext.com/regtech-compliance-disruption-growing-spending-will-reach-115-9-billion/) - Along with the disruption in the financial market by technology are the growing burdens of compliance and its impact on the financial industry. A new whitepaper from Juniper Research projects spending on Regtech platforms will exceed $115 billion by 2023, up from an estimated $18 billion in 2018. The report shows that since the 2008 financial crash,
- [Walmart-owned Flipkart launches instant credit for Indian consumers](https://paymentsnext.com/walmart-owned-flipkart-launches-instant-credit-for-indian-consumers/) - India’s leading online shopping site Flipkart, now 77% owned by Walmart, launched a cashless credit program that will give shoppers access to an instant credit line of up to Rs 60,000 ($834 USD) to buy products on the e-commerce marketplace. The announcement comes just ahead of the important Diwali celebrations, India’s most important holiday and
- [Payments NEXT newsletter: holiday sales, cybersecurity, regtech compliance](https://paymentsnext.com/payments-next-newsletter-holiday-sales-cybersecurity-regtech-compliance/) - Here’s the best global payments news that crossed our desk this week, all curated and quickly accessed for your weekend reading enjoyment via Payments NEXT. Retail sales prediction: Black Friday & holiday sales could jump 15.5% A new report from Internet Retailer suggests US 2018 holiday retail sales could grow by 15.5% this year. US shoppers are expected to
- [Payments news roundup: Global payments trends, highlights, innovations](https://paymentsnext.com/payments-news-roundup-global-payments-trends-highlights-innovations/) - Here’s the best global payments news that crossed our desk this week, all curated and quickly accessed for your weekend reading enjoyment. We start with PayPal's acquisition of iZettle for $2.2 billion. Amazon's Alexa introduces six new products, hoping to dominate the voice shopping market. Same-day ACH payments are getting more popular with companies. In
- [Retail sales prediction: Black Friday & holiday sales could jump 15.5%](https://paymentsnext.com/retail-sales-prediction-black-friday-holiday-sales-could-jump-15-5/) - A new report from Internet Retailer suggests US 2018 holiday retail sales could grow by 15.5% this year. US shoppers are expected to spend $119.99 billion in online shopping in November and December 2018 compared with $103.80 billion spent during the same timeframe last year. Consumer confidence is high The Conference Board’s Consumer Confidence Index
- [Top 3 Cybersecurity Vulnerabilities Your Business Faces Now](https://paymentsnext.com/top-3-cybersecurity-vulnerabilities-your-business-faces-now/) - The business world has become more competitive than ever. Not only is there increased pressure on companies to be profitable, but also to keep information safe. For many companies, cybersecurity is an area that’s easy to cut back on, but that can prove to be an expensive mistake. According to the PwC Global Economic Crime
- [Payments news roundup: Pulse Network, Stripe vs PayPal, mobile fraud, more](https://paymentsnext.com/payments-news-roundup-451-research-stripe-vs-paypal-mobile-fraud-more/) - We've got a payments news roundup with news you can use from around the globe. Pulse Network looks at some of the reasons Apple Pay is gaining with credit card issuers. We've got a payments processor showdown between Stripe and PayPal as well as a look at the new iPhone Xs with Face ID. Apple
- [Payments NEXT News: Mobile fraud rising, Apple Pay growing, payments news roundup](https://paymentsnext.com/payments-next-news-mobile-fraud-rising-apple-pay-growing-payments-news-roundup/) - Our weekly email newsletter includes an in-depth look at the latest cybercrime trends in the ThreatMetrix Q2 2018 Cybercrime Report including the dramatic rise in mobile fraud transactions. A new Pulse Networks research study shows that PayPal still maintains the lead in online payments, but debit card issuers are taking a shine to Apple Pay.
- [Research: Mobile fraud attacks rise 44% in US](https://paymentsnext.com/research-mobile-fraud-attacks-rise-44-in-us/) - We all know the impact of the rapid rise of mobile transactions on e-commerce businesses. According to ThreatMetrix, in the last three years, mobile transactions have grown three times more than desktop transactions. By the middle of this year, mobile transactions, including new accounts, logins and payments surpassed 58% of all traffic compared to just 19%
- [Debit card issuers take a shine to Apple Pay](https://paymentsnext.com/debit-card-issuers-take-a-shine-to-apple-pay/) - A new research study of debit card issuers by Pulse Network shows that 12.2% of debit cards were enrolled in Apple Pay as of January 2018, an increase of 6.3% from January 2017. Mobile and contactless payments are slowly growing for other networks such as Samsung and Google as well. Samsung Pay grew by 1.5%
- [Payments NEXT newsletter: Zippin, Walmart, IBM, Amazon Pay Japan, more…](https://paymentsnext.com/payments-next-newsletter-zippin-walmart-ibm-amazon-pay-japan-more/) - In this week’s global Payments NEXT newsletter, US startup Zippin is showcasing its next-generation checkout-free technology. Walmart is testing an innovative crowdsourcing delivery program that could take off. IBM has now made its blockchain-based bank payments and clearing technology available. Amazon Pay entered the challenging cash-free payments industry in Japan and much more… As always,
- [Fighting the negative sales impact of CNP false positives](https://paymentsnext.com/fighting-the-negative-sales-impact-of-cnp-false-positives/) - A new report from Kount and The Fraud Practice examines card-not-present (CNP) false positives which are poorly understood and frequently mismanaged aspects of risk management. Most merchants focus on chargebacks and fraud losses, but false positives are another major source of lost revenue, negative reputation impact and often underestimated and frequently ignored altogether. Here’s what
- [Amazon Pay says Kon'nichiwa to Japanese cashless payments market](https://paymentsnext.com/amazon-pay-says-konnichiwa-to-japanese-cashless-payments-market/) - In Japan, 80% of consumers pay for transactions with cash. That’s why Amazon Japan’s decision to introduce Amazon Pay in partnership with startup Nippon Pay shows they are in the cashless payments market for the long term. With only 20% of Japanese consumers using other forms of payments than cash, there’s a lot of education,
- [Passwords passé, “something I am” biometrics ID coming soon](https://paymentsnext.com/passwords-passe-something-i-am-biometrics-id-coming-soon/) - A new report from Juniper Research says password-based solutions are increasingly impractical, and service providers have begun testing alternative second factors; ‘something I am’, such as a fingerprint, iris, facial feature or vein pattern to establish an individual’s identity. Biometric identities provide an extra layer of security for mobile payments according to Juniper: “In the
- [Payments news roundup: Google, Cafe Shiru, Cashier-less, fake products, EMV, mobile](https://paymentsnext.com/payments-news-roundup-google-cafe-shiru-cashier-less-fake-products-emv-mobile/) - Welcome to the weekly edition of Payments NEXT news. We go in-depth to look at cashier-less checkout trends, cross-border e-commerce success tips, Amazon fake products and Google Pay’s new program to offer loans by mobile app in India. As always, we wrap up with our popular weekly global payments news highlights. Good reading and have
- [What’s trending in global payments news this week?](https://paymentsnext.com/whats-trending-in-global-payments-news-this-week/) - Lots of news, innovations and new developments in payments news this week. Here’s a collection of what we’re reading and what you need to know. Report: Google, Mastercard Cut Secret Deal to Track Retail Sales Google and Mastercard reportedly drafted a secret deal in which certain Google advertisers had access to data that shows if
- [Cashier-less checkout tests grow, barriers remain](https://paymentsnext.com/cashier-less-checkout-tests-grow-barriers-remain/) - With the opening of its second store in Seattle, Amazon Go is in the vanguard of the cashier-less checkout movement. Though checkout automation has been a goal for many retailers, some have struggled with concepts from self-checkout to full cashier-less checkout and it remains a dream for most retailers with still some hurdles to get
- [Cross-border commerce success is simple if done right](https://paymentsnext.com/cross-border-commerce-success-is-simple-if-done-right/) - Statista reports the number of global online shoppers between 2014 and 2018 jumped by 36%, growing from 1.32 billion to 1.79 billion people. According to Braintree, PayPal’s mobile web payment system, cross-border shoppers also want their shopping experience to be simple and painless. Cross-border challenges for merchants Merchants serving these discriminating and valuable customers can
- [Gartner: Amazon has a fake products problem](https://paymentsnext.com/gartner-amazon-has-a-fake-products-problem/) - According to Gartner L2’s Amazon Intelligence: Third-Party Distribution Strategies Playbook report, Amazon has a substantial counterfeit products problem. Gartner estimates 33% of third-party vendor listings have at least one review containing terms such as “fake” or “counterfeit.” The report says, “These ‘counterfeit’ reviews, however, make up only 5% of total reviews, indicating that Amazon does take
- [Google Pay offers Indian consumers loans within its mobile app](https://paymentsnext.com/google-pay-offers-indian-consumers-loans-within-its-mobile-app/) - Google and four Indian banks will offer Indian consumers instant loans in the ultracompetitive $1 trillion Indian digital financial market. According to a Bloomberg report, “HDFC Bank Ltd, ICICI Bank Ltd, Kotak Mahindra Bank Ltd, and Federal Bank Ltd to offer instant, pre-approved loans to customers right within Google Pay in a matter of seconds.” Big financial market, big potential
- [Payments NEXT newsletter: Global payments news, trends, innovation](https://paymentsnext.com/payments-next-newsletter-global-payments-news-trends-innovation/) - Our weekly payments industry news this week features an update on synthetic identity fraud, record Q2 2018 target financials, e-commerce membership sales growth, a smart speaker for cryptocurrency purchases and voice shopping as well as our popular weekly global news roundup. Synthetic identity fraud is rising; data breaches abound Synthetic identity fraud is a growing, evolving
- [Payments news roundup: ID fraud, Target, Alibaba, Gap, Best Buy, Netflix](https://paymentsnext.com/payments-news-roundup-id-fraud-target-alibaba-gap-best-buy-netflix/) - Here’s a roundup of the global payments news we’re reading heading into the weekend. Lots of new developments in identity fraud, retail ups and downs, new payments industry developments and a free Amazon report. Synthetic identity fraud is rising; data breaches abound Synthetic identity fraud is a growing, evolving challenge for merchants. It arises when criminals
- [Synthetic identity fraud is rising; data breaches abound](https://paymentsnext.com/synthetic-identity-fraud-is-rising-data-breaches-abound/) - Synthetic identity fraud is a growing, evolving challenge for merchants. It arises when criminals combine real or stolen personal data with fake information to create new identities, open fake accounts, and make fraudulent purchases. And this cybercrime problem is growing according to fraud prevention experts. In a recent Kount video, Tom Donlea of Whitepages Pro
- [Target financials on target for Q2 growth, record sales](https://paymentsnext.com/target-financials-on-target-for-q2-growth-record-sales/) - Amid the general US retail doldrums, Target’s Q2 results stand out as a beacon of what’s possible when you have a plan, you’re disciplined in implementing it, and not afraid to spend on innovation where it will pay back. In a press release, Target highlighted its Q2 financial achievements including: 6.4% store traffic growth 6.9%
- [Can your e-commerce business cash in on the membership economy?](https://paymentsnext.com/can-your-e-commerce-business-cash-in-on-the-membership-economy/) - According to McKinsey & Company research, e-commerce membership sites have grown more than 100% annually during the past five years. An estimated 15% of consumers have signed up to one or more subscription services for everything from beer and wine, child and baby items, contact lenses, cosmetics, feminine products, meal kits, pet food, razors, underwear,
- [Global payments news: Coffee by drone, Google store, Walmart e-commerce, Amazon theaters, US contactless cards](https://paymentsnext.com/global-payments-news-coffee-by-drone-google-store-walmart-e-commerce-amazon-theaters-us-contactless-cards/) - This weekend’s reading in payments news, trends, research and innovations from around the globe is for the fast and the furious. Watch for Google's first-ever retail store in Chicago, Amazon's possible move into the theater business, and Walmart's stellar e-commerce results. We've also got a tip on an IBM patent for coffee delivery by drones
- [Square’s crypto-powered Cash App bests PayPal’s Venmo for first time](https://paymentsnext.com/squares-crypto-powered-cash-app-bests-paypals-venmo-for-first-time/) - When it comes to payments apps, there's a new sheriff in town. Square’s Cash App now has a total of 33.5 million downloads compared with PayPal Venmo’s 32.9 million cumulative downloads according to Nomura Instinet analyst Dan Dolev. "If the Cash App continues to grow rapidly, the business could reach or even exceed $100 million
- [Asia-Pacific e-commerce will reach $2.3 trillion in 2022, powered by mobile](https://paymentsnext.com/asia-pacific-e-commerce-will-reach-2-3-trillion-in-2022-powered-by-mobile/) - Online shopping in the Asia-Pacific region will reach $1.6 trillion in 2018 and $2.3 trillion by 2022 according to a new report from GlobalData. Across the entire Asia-Pacific market, Asia-Pacific e-commerce growth increased between 2013 and 2017 at a compound annual growth rate (CAGR) of 27%. By comparison, Europe showed 14% CAGR while North America
- [UK check clearing will get a new image makeover](https://paymentsnext.com/uk-check-clearing-will-get-a-new-image-makeover/) - It's very surprising the check clearing system in the UK has not kept pace with new technologies in most other markets around the world. By the end of this year, UK financial institutions will all finally adopt a new image-clearing system that replaces a traditional paper-based check clearing system little-changed for more than 100 years.
- [Debit cards take over from cash as preferred payment in UK](https://paymentsnext.com/debit-cards-take-over-from-cash-as-preferred-payment-in-uk/) - For the first time in the UK, debit cards have taken over from cash as the consumers' preference for payments. New research from UK Finance shows consumers made 13.2 billion debit card payments in 2017 compared to 13.1 billion payments in cash. This comes a year earlier than projected by researchers. Cash will not go
- [Global payments news: Order ahead, Apple Pay, Voice shopping, biometrics](https://paymentsnext.com/global-payments-news-order-ahead-apple-pay-voice-shopping-biometrics/) - Here’s what we’ll be reading this weekend in payments industry news, trends, research and innovations from around the globe. PayPal Cross-Border Consumer Research 2018 The new PayPal cross-border consumer research study is filled with insights for e-retail and e-commerce operators. Learn how online commerce, and specifically cross-border commerce is evolving; Alan why consumers shop online
- [Safelite launches same-day car insurance payment claims service](https://paymentsnext.com/safelite-launches-same-day-car-insurance-payment-claims-service/) - Instead of taking days or weeks to pay out non-glass insurance claims, a new service from Safelite Solutions and Ingo Money could pay accident claimants within hours. Safelite Solutions SVP of Strategic Client Sales & Support Jon Cardi said in a PYMNTS.com interview, “This is a total disruption within the insurance industry.” How do same-day
- [Voice shopping can’t find its voice yet](https://paymentsnext.com/voice-shopping-cant-find-its-voice-yet/) - Despite the hype and estimates that voice shopping could reach $40 billion in annual sales within several years, research shows that consumers simply aren’t sending off their orders via Google Home and Alexa yet. A report by tech newsletter The Information shows that only about 2% of Amazon Alexa owners have shopped with their voice
- [Are biometric payments ready to break out yet?](https://paymentsnext.com/are-biometric-payments-ready-to-break-out-yet/) - Although 15% of consumers have made a biometric payment in the past year, research from Transaction Network Services (TNS) shows biometric payments are not ready to break through into common use according to a survey of more than 3,000 in the US, UK, and Australia. Are biometric payments popular today? In the UK, 18% of
- [Contactless payments will reach $2 trillion by 2020](https://paymentsnext.com/contactless-payments-will-reach-2-trillion-by-2020/) - A new report from Juniper Research says in-store contactless payments will reach $2 trillion by 2020, representing one-third of the total point of sale transactions. Driven by payment cards and mobile wallets, contactless payments will reach $1 trillion by the end of this year, a year earlier than previously expected by the fintech research company.
- [Global payments news roundup: Square, ING, PayU, Abra, Javelin, Apple](https://paymentsnext.com/global-payments-news-roundup-square-ing-payu-abra-javelin-apple/) - It's been a busy week in global payments news and we've got a roundup of the latest payments trends, payments research, and innovations for your weekend reading pleasure. Apple Pay and other mobile payments will count for 1 in 3 in-store transactions by 2020 The future of shopping transactions may look a lot like Apple
- [Retail payments trends, digital impact and what’s ahead for merchants](https://paymentsnext.com/retail-payments-trends-digital-impact-and-whats-ahead-for-merchants/) - The changing customer and technology landscape is having a huge impact on retailers in-store and online. A recent Retail Wire presentation provided a look at the most recent research and what merchants can expect in retail payments in the future. Mobile matters to e-commerce sales Sucharita Kodali, Principal Analyst at Forrester provided an overview of
- [Walmart and Waymo test driverless customer rides to stores](https://paymentsnext.com/walmart-and-waymo-test-driverless-customer-rides-to-stores/) - Forget free shipping and other online shopping incentives. Walmart and Waymo are partnering to test free, driverless vehicle rides to take customers to Walmart stores to pick up groceries. The pilot program in Phoenix, lets customers order their groceries on Walmart.com and then get a driverless vehicle to pick them up, take them to the
- [Merchants lose $17 billion annually due to out of stock items](https://paymentsnext.com/merchants-lose-17-billion-annually-due-to-out-of-stock-items/) - Merchants are losing more than $17 billion in online sales every year due to out of stock products. At retail prices, that number is even larger at $22 billion in lost sales due to unavailable inventory. Those online out of stock rates are twice those of in-store out of stock problems according to new research
- [Coupon research: Mobile coupons ready to overtake print coupons](https://paymentsnext.com/coupon-research-mobile-coupons-ready-to-overtake-print-coupons/) - It’s official! New coupon research from CodeBroker shows mobile coupons are about to overtake paper coupons 131 years after Atlanta businessman Asa Candler created the first coupon offering a free class of Coca-Cola worth five cents. According to Coupon Sherpa: “Between 1894 and 1913, an estimated one-in-nine Americans had received a free Coca-Cola, for a total
- [Kount research: Mobile sales grow, mobile fraud problems proliferate](https://paymentsnext.com/kount-research-mobile-sales-grow-mobile-fraud-problems-proliferate/) - Mobile sales are increasing along with the adoption of mobile apps by retailers, but mobile fraud is a growing problem as well according to a new research report from Kount. The whitepaper – “Mobile Payments and Fraud: 2018 Report” – identifies several key trends including growth in mobile sales, shifts in mobile payment options, marketplaces
- [Global payments news: Amazon financial & Prime Day, strip malls, Walmart-Target price wars, more…](https://paymentsnext.com/global-payments-news-amazon-financial-prime-day-strip-malls-walmart-target-price-wars-more/) - Here’s a roundup of the global payments news we’re reading this week. It includes a look at what Amazon is up to in the payments and financial services business and a preview of Amazon Prime Day. Also included is a look at the struggle of strip malls to survive, the US-China trade war, Urban Outfitters’
- [Global retail benchmarks, BOPIS fraud grows, global payments news roundup](https://paymentsnext.com/global-retail-benchmarks-bopis-fraud-grows-global-payments-news-roundup/) - We’ve got the latest global retail benchmarks research from Vend with valuable industry metrics. Buy-online-pickup-in-store (BOPIS) sales are up and we look at what to do about the growth in fraud as well. Finally, we have our weekly global payments news roundup to help you stay on top of the latest industry news. 2018 Global
- [Amazon Prime Day reviews are positively positive](https://paymentsnext.com/amazon-prime-day-reviews-are-positively-positive/) - Well, another Amazon Prime Day and another $4 billion-plus in global revenue. That pretty much sums up the results and they must be doing the happy dance at Amazon headquarters in Seattle. According to Wedbush analyst Michael Pachter, sales were up 33% over last year’s record as online shoppers spent a new record $4.2 billion
- [Buy online, pickup in-store (BOPIS) fraud is up 250%. Why?](https://paymentsnext.com/buy-online-pickup-in-store-bopis-fraud-is-up-250-why/) - Why buy online, pickup in-store BOPIS) fraud is up 250% and how to prevent it.
- [2018 Global Retail Research Benchmark Results Are In](https://paymentsnext.com/2018-global-retail-research-benchmark-results-are-in/) - Ever wonder how much retailers in your industry earn monthly? What their profit margins are and how many monthly transactions and customers they have? A new retail research survey of more than 13,000 global retailers by point-of-sale expert Vend, identifies key benchmarks and provides valuable business metrics for the industry. Revenue and margins On average,
- [Payments news roundup: July 4 holiday sales, Walmart, Amazon, Target, more](https://paymentsnext.com/payments-news-roundup-july-4-holiday-sales-walmart-amazon-target-mor/) - We’ve got the latest global payments news, trends and innovations for your weekend reading. Lots of news with Fourth of July consumer sales projections, retail technology, home deliveries, an Amazon acquisition and home delivery strategy, and key retailer updates. A ‘Hump Day’ Fourth of July Slows Down Consumer Celebrations and Spending Totals Americans are expected
- [PaymentsNEXT: July 4 sales, Amazon, Walmart, Target, Kroger, Ashley Madison](https://paymentsnext.com/paymentsnext-july-4-sales-amazon-walmart-target-kroger-ashley-madison/) - Our newsletter this week has a feature report on dating site Ashley Madison'' unique gift card payments program designed to protect client anonymity. As well, we look at Berlin fintech solarisBank's launch of online banking services for cryptocurrency businesses and consumers. Finally, we got our weekly global payments news roundup. Ashley Madison dating site offers
- [Ashley Madison dating site offers unique, anonymous payment solution](https://paymentsnext.com/ashley-madison-dating-site-offers-unique-anonymous-payment-solution/) - What you do when you want to pay anonymously for services like discreet dating sites, VPN, email, and other online services or you want to protect your identity? Whatever you think of Ashley Madison, the dating site for married people, you’ve got to admit they offer a unique payment option. With a tagline of
- [Speaking of conversational commerce: It’s growing says Capgemini](https://paymentsnext.com/speaking-of-conversational-commerce-its-growing-says-capgemini/) - A new global survey of 5,000 consumers by Capgemini shows that conversational commerce is finding its voice with online shoppers. The research highlights the opportunities ahead for retailers who provide voice shopping as a way to engage in a growing new e-commerce channel with consumers. Where is voice commerce now? 51% of consumers surveyed said
- [Technology insights: 2018 Global Retail Research Study](https://paymentsnext.com/technology-insights-2018-global-retail-research-study/) - A new retail research report from Honeywell/PlanetRetail provides valuable insight into the impact of digital transformation on retailers in the challenges of providing customers with a seamless in-store and online shopping experience. Fears over losing technology edge have risen sharply Retailers said meeting high customer expectations online and in-store are among its biggest challenges: 37%
- [Research: What do customers want from your brand app?](https://paymentsnext.com/research-what-do-customers-want-from-your-brand-app/) - A new research report from digital app developer WillowTree offers valuable insight into consumers’ use of brand apps, their expectations for value, and the impact their experiences have on brand loyalty. The good news is 85% of customers have had mostly positive experience with brand apps but the bad news is many brands are falling
- [Payments industry news roundup from around the world](https://paymentsnext.com/payments-industry-news-roundup-from-around-the-world/) - Here are the payments industry news stories we’re reading this week along with the payments trends and innovations we’re watching from around the world. PayPal and Temasek invest $125m in India's Pine Labs PayPal's shopping spree continues as the US behemoth makes its third investment in a fortnight, joining with Singapore's Temasek to pay $125
- [Amazon Echo reverberates with sales](https://paymentsnext.com/amazon-echo-reverberates-with-sales/) - With more than 50 million Amazon Echo smart speakers sold, the voice shopping use case is rapidly expanding. Is there an impact on sales by Echo owners? A new research report from InfoScout and Alpine.AI, shows consumers increased the frequency of their consumer package goods (CPG) spending on Amazon by 29% after purchasing an Amazon
- [Mary Meeker: Payments & e-commerce trends – what’s ahead](https://paymentsnext.com/mary-meeker-payments-e-commerce-trends-whats-ahead/) - Mary Meeker is a venture capital leader and analyst with Kleiner Perkins. Her annual Trends Report is closely examined for its comprehensive analysis and predictions. Her report is comprehensive, well-sourced and extensive as you can see in the following content index. We’ll take a look at her report, particularly the relevant highlights for e-commerce trends
- [Cost of chargebacks in 2017? $31 billion](https://paymentsnext.com/cost-of-chargebacks-in-2017-17-billion/) - According to a new report, The Chargeback Triangle from Javelin Strategy & Research and Verifi, merchants lost $19 billion to chargebacks in 2017. Issuers lost another $12 billion as well, a staggering cost to business. Even more critical, researchers found that following a chargeback, consumers decreased their spending by 62% with retailers. Chargebacks a huge
- [Target Restock takes home delivery to next level in response to Amazon](https://paymentsnext.com/target-restock-takes-home-delivery-to-next-level-in-response-to-amazon/) - Target just upped its home delivery game in response to Amazon and other competitors by trying to retain and earn new customers. Target Restock raises home delivery service levels In an announcement on its corporate blog, the company introduced Target Restock, the next-day delivery of home essential products. Delivery is free for Target REDcard customers and
- [May 18 PaymentsNEXT: Payments industry news](https://paymentsnext.com/may-18-paymentsnext-payments-industry-news/) - This week's payments industry news features an in-depth look at PayPal's acquisition of mobile payments provider iZettle, research on the impact of real-time payments on merchants and our usual Friday global payments news roundup. Just in time for your weekend reading. PayPal acquisition of iZettle shakes up payments world PayPal just moved the meter in the
- [Global payments news roundup - May 18, 2018](https://paymentsnext.com/global-payments-news-roundup-may-18-2018/) - Our Friday global payments news roundup includes a useful collection of strategic payments news you can use about iZettle, PayPal, Barclaycard, ACI Worldwide/Ovum, Amazon, Square, Walmart, FNB, Apple Pay and Nuggets. Retailers risk frustrating online shoppers with out-of-date payment technology More than 72% of retailers have not introduced any new payment technology to their website
- [PayPal acquisition of iZettle shakes up payments world](https://paymentsnext.com/paypal-acquisition-of-izettle-shakes-up-payments-world/) - PayPal just moved the meter in the payments world with its acquisition of mobile payments provider iZettle for $2.2 billion in an all cash deal. iZettle, the Swedish payments fintech, had planned to raise $227 million on the Stockholm Nasdaq exchange in an IPO valuing the company at around $1.1 billion. iZettle brings operations in
- [Payments research: 77% of merchants say real-time payments to replace cards](https://paymentsnext.com/payments-research-77-of-merchants-expect-real-time-payments-to-replace-cards/) - A new ACI Worldwide/Ovum payments research survey says 77% of merchants expect real-time payments to replace card payments in the near future. The report also offers other valuable insights into merchants and payments preferences and challenges. Most important to payments providers, 65% of merchants are interested in receiving real-time payments compared with 57% in the previous
- [Payments news roundup: Facebook Crypto, Apple Pay, Samsung Pay, IATA, more](https://paymentsnext.com/payments-news-roundup-facebook-crypto-apple-pay-samsung-pay-iata-more/) - Our Friday newsletter has an in-depth profile of Facebook's new cryptocurrency and blockchain technology plans as well as our usual extensive Friday payments news roundup. Facebook Gets Serious About Payments, Cryptocurrency When Facebook announced a small cryptocurrency development SWAT team earlier this week, it wasn’t quite clear where they might go with it. A new
- [Weekly global payments news roundup](https://paymentsnext.com/weekly-global-payments-news-roundup/) - It was a busy week in payments news from around the world. Every Friday, we include a roundup of the latest payments news, trends, research and innovations to carry you through the weekend. Included are research reports from Forrester, Auriemma Consulting Group and Criteo as well as news about Apple Pay, Google Pay, Samsung Pay
- [Mastercard biometric cards, Shopify & Microsoft Outlook payments](https://paymentsnext.com/mastercard-biometric-cards-shopify-microsoft-outlook-payments/) - Our newsletter looks first at MasterCard biometric cards that allow cardholders to verify their fingerprint at home. Next, we examine Shopify's brand-new merchant payments features and some back-office improvements to their e-commerce platform. Finally, Microsoft introduces payments using its Outlook email program – an idea that could spur other interesting new applications. Mastercard points the
- [Mastercard points the finger to biometric cards](https://paymentsnext.com/mastercard-points-the-finger-to-biometric-cards/) - Mastercard unveiled a new feature for its biometric payments cards that allows cardholders to register their fingerprints at home. Imagine not having to make a trip to the bank to register your fingerprint ID? MasterCard has been actively working on ways to eliminate signatures and passwords while simplifying and enabling faster payments using biometrics .
- [Shopify tunes up merchant payments tools](https://paymentsnext.com/shopify-tunes-up-merchant-payments-tools/) - Shopify launched a basket of new merchant payment features at its annual Unite conference in Toronto, Canada. Chief among the new features were enhancements for retail products, new features to help marketing efforts and back office tools and enhancements for more efficient business operations. Shopify merchant product enhancements Shopify added some welcome new features to
- [Payments news: Visa Checkout, Adyen, PPRO Group, more](https://paymentsnext.com/payments-news-visa-checkout-adyen-ppro-group-more/) - Today's PaymentsNEXT newsletter has a wealth of payments industry news you can use. We look at the future of Visa Checkout and single button payments as well as a report on how retailers are losing $1.1 billion by not offering the proper payment choices for consumers. And there's a valuable Friday global e-commerce and payments
- [Global e-commerce & payments news roundup](https://paymentsnext.com/global-e-commerce-payments-news-roundup/) - It's the end of the week and time for an e-commerce and payments news roundup from around the globe. What a busy week it's been in the payments industry as you'll see in this list of stories. Visa Rises on International Success For the quarter, net revenue grew to $5.1 billion, a 13% increase year
- [Visa Checkout headed for the parking lot?](https://paymentsnext.com/visa-checkout-heads-for-the-parking-lot/) - Visa is not dropping Visa Checkout yet, but senior execs seem to be pointing it to the exit judging by recent comments in a recent Wall Street Journal article. Both Visa Checkout and Mastercard’s Masterpass programs are likely a victim of plans for the launch of a new single pay button. Single pay button just
- [Retailers lose $1.1 billion by not offering preferred payment choices](https://paymentsnext.com/retailers-lose-1-1-billion-by-not-offering-preferred-payment-choices/) - A new report from global payments provider Adyen highlights shifting consumer payments preferences and the potential loss of more than $1.1 billion by US retailers who fail to offer customers their preferred payment choice. The March 2018 survey of more than 1,000 consumers and 250 B2C retailers shows that price points are becoming less important
- [Experian: 2017 Online Shopping Fraud Up 30%](https://paymentsnext.com/experian-2017-online-shopping-fraud-up-30/) - Russian hackers and trolls may have received all the media coverage in 2017 but it was Chinese and Venezuelan hackers who carried out the most e-commerce fraud in 2017 according to a new report by Experian. In its 2017 E-commerce Fraud report, Experian says online shopping fraud attacks rose 30% in 2017 vs. 2016, and transactions
- [Amazon 2017 highlights: It was a very good year!](https://paymentsnext.com/amazon-2017-highlights-it-was-a-very-good-year/) - In a letter to shareholders, Amazon CEO Jeff Bezos highlighted a number of important milestones for the company. Most important for Amazon and its competitors is the fact that it has now passed 100 million Prime members. Think about that from every aspect of retail and e-commerce and what it means for big data and
- [Winning millennial bank customers; 8 retail innovators to watch](https://paymentsnext.com/winning-millennial-bank-customers-8-retail-innovators-to-watch/) - Our newsletter today features a new research report from CSI & The Center for Generational Kinetics on millennial banking habits and preferences and how banks can win over and keep these profitable bank customers in a digital, competitive world. We also highlight an excellent profile of eight US retail innovators from loyalty marketing consultants Colloquy
- [Research: How banks can win millennial customers](https://paymentsnext.com/research-how-banks-can-win-millennial-customers/) - Millennials are entering the wealth-accumulation phase of their lives and are driving all major banking trends. A new CSI and The Center for Generational Kinetics research report provides insight into these new millennial banking preferences and behaviors and what millennials now need and want from a bank or credit union. Most consumers, particularly millennials, carry
- [Eight surprising retail brands and why they’re growing](https://paymentsnext.com/eight-surprising-retail-brands-and-why-theyre-growing/) - US retail sales rose 0.6 percent in March 2018 according to the US Census Bureau. Not great, but not negative. More interesting and telling was the recent newsletter from loyalty marketing group Colloquy which profiled eight brands succeeding despite the challenging US retail environment. Several are niche startups while others are established brands but what
- [Are banks disconnecting from mobile banking customers?](https://paymentsnext.com/are-banks-disconnecting-from-mobile-banking-customers/) - A new report from Javelin Strategy & Research suggests banks may be failing to pivot fast enough to keep up with the changing demands of consumers for mobile banking. Nearly a third (32%) of checking account applications start on a mobile device – more than those begun online (21%) and almost as many as the number
- [Credit card signatures gone; P2P cryptocurrency payments here](https://paymentsnext.com/credit-card-signatures-gone-p2p-cryptocurrency-payments-here/) - We’ve got a couple of quick stories for you today, starting with the demise of signatures on credit cards by the major credit card networks. That’s way overdue. Also, South Korean cryptocurrency exchange Bithumb will let users pay by cryptocurrency for products and gifts using P2P on social networks. Is this a new crossover payments
- [Bye bye credit card signatures](https://paymentsnext.com/bye-bye-credit-card-signatures/) - When was the last time you used a pay phone? I can’t remember either. In the same way, by the end of this month, credit card signatures will no longer be required on four major credit card networks, including – American Express, Discover, Mastercard and Visa. They’ll soon be a distant memory like floppy disks,
- [Yandex Money launches e-commerce installment payments](https://paymentsnext.com/yandex-money-launches-e-commerce-installment-payments/) - Yandex.Checkout, Russia’s largest online payment services provider, launched an installment payment plan – Pay in Parts for online shoppers. E-commerce operators can now sell directly to customers and offer the option of credit or installment payments. Yandex said customers simply fill in a form at Yandex.Checkout to get credit or installment payment approval in minutes.
- [Sears, Delta Airlines payments data breached](https://paymentsnext.com/sears-delta-airlines-payments-data-breached/) - Sears and Delta Airlines have both suffered a breach of their data payments through a systems hack of software provider [24]7.ai. [24]7.ai, which provides online support services to Sears, Delta Air Lines and other major companies, said the hack resulted in the unauthorized access of credit card information for an estimated 100,000 customers. The data breach
- [Will Amazon enter the voice payments business soon?](https://paymentsnext.com/will-amazon-enter-the-voice-payments-business-soon/) - Word is out that Amazon is preparing to enter the voice payments business, and that’s got to be making PayPal, Venmo and Square nervous. We posted on March 5th about Amazon’s potential to offer banking services – Bank of Amazon? Stay tuned. The Wall Street Journal now reports Amazon may add person-to-person payments to its
- [Bank of Amazon? Stay tuned](https://paymentsnext.com/bank-of-amazon-stay-tuned/) - If the idea of the Bank of Amazon seems far-fetched, both The Wall Street Journal and CNBC are reporting that early discussions are taking place between Amazon and several financial institutions, including JPMorgan, about a checking-type account and other financial services for the e-commerce giant’s customers. Amazon is all about payments Think about it for
- [Bancor Wallet auto-converts cryptocurrencies](https://paymentsnext.com/bancor-wallet-auto-converts-cryptocurrencies/) - With 1,600 cryptocurrencies now listed on CoinMarketCap.com, it’s nearly impossible for an investor to quickly buy, convert and sell more than a small handful of standard cryptocurrencies. Bancor’s launch of its new cryptocurrency wallet allows users to buy, store, manage, and convert automatically between any two tokens on its Bancor Network, with no counterparty, at
- [Global e-commerce and payments news roundup](https://paymentsnext.com/global-e-commerce-and-payments-news-roundup/) - We've got a roundup of the latest global e-commerce and retail news including cryptocurrency payments, new investment in Paytm, and the latest from Amazon, Newegg, Toys "R" Us, and data breaches at Saks Fifth Avenue and under Armour. E-commerce Bancor launches auto-converting cryptocurrency wallet Bancor’s launch of its new cryptocurrency wallet allows users to buy, store,
- [Global e-commerce and retail news; Bancor cryptowallet](https://paymentsnext.com/global-e-commerce-and-retail-news-bancor-cryptowallet/) - Our newsletter today has an extensive roundup of global e-commerce and retail news about Amazon, Newegg, Toys "R" Us, Saks Fifth Avenue and Under Armour. We also take a look at Bancor's new cryptocurrency wallet, which automatically converts digital coin values and allows users to buy and sell without using a cryptocurrency exchange. Global e-commerce
- [SWIFT payments; IKEA VR shopping; UK shoppers ready for wearables payments](https://paymentsnext.com/swift-payments-ikea-vr-shopping-uk-shoppers-ready-for-wearables-payments/) - We’ve got three interesting global payments stories to carry you into the weekend, starting with an attempted hack on Malaysian central bank via the SWIFT network. Next, we take a look at whether IKEA may leave its big-box stores behind in favor of virtual shopping. Finally, we’ve got research that says 26% of UK shoppers
- [Will IKEA leave the big box behind?](https://paymentsnext.com/will-ikea-leave-the-big-box-behind/) - While it’s still the biggest furniture store in the world, Swedish retailer IKEA may soon move towards virtual shopping and leave the Big Blue box behind. Say what? No more ballroom babysitting for the kids? Feasting on Sjorapport (Seaweed Pearls), Kottbullar (meatballs with lingonberry jam and cream sauce) or Swedish fika (coffee breaks). With the
- [Hackers try SWIFT payments scam in Malaysia](https://paymentsnext.com/hackers-try-swift-payments-scam-in-malaysia/) - When you think of payments scams, you tend to think first about cryptocurrency or bitcoin and not a compromise of the international banking system’s Society for Worldwide Interbank Financial Telecommunication or SWIFT network. The Malaysian central bank narrowly avoided a serious payments cyberattack by hackers attempting to steal money by wire transfers on the SWIFT
- [Worldpay Report: Global payments insights & trends](https://paymentsnext.com/worldpay-report-global-payments-insights-trends/) - Worldpay released its Global Payments Report 2017 and it's loaded with information on the latest payments trends and market insights. In this post, we look at the bigger picture for payment trends from 2016 to 2021 globally and in the four biggest regions of North America, Latin America, EMEA and Asia. The contrast between markets
- [Worldpay Global Payments Report: 4 Key Insights](https://paymentsnext.com/worldpay-global-payments-report-4-key-insights/) - We continue our highlights of Worldpay’s Global Payments Report 2017 and its insights into the latest payments trends and market developments. In this post, we focus on several unique perspectives and new market developments including biometrics, silver surfers and baby boomers, growth of bank transfers and subscriptions. Biometrics will boost security, and passwords Along with
- [Cryptocurrency exchanges' security puts users at risk](https://paymentsnext.com/cryptocurrency-exchanges-security-puts-users-at-risk/) - Originally posted at Blockcoin Today A new research study shows that 71% of cryptocurrency exchanges are heading for a train wreck when it comes to password security. The research report by Dashlane Inc, a New York City marketer of password-management software looked at password security for 35 leading cryptocurrency exchanges around the world. Dashlane evaluated
- [Send money via Google Assistant and soon by Google Home](https://paymentsnext.com/send-money-via-google-assistant-and-soon-by-google-home/) - Google Assistant will now let you send payments via voice on your mobile phone and soon you'll be to send money using your Google Home devices as well. This opens a whole new world of growth potential for Google Pay to compete with other popular money apps like Venmo. How to send money with Google
- [UK launches crypto assets Superheroes task force](https://paymentsnext.com/uk-launches-crypto-assets-superheroes-task-force/) - Britain announced a new “crypto assets task force” in a joint effort to assets in the mainstream. Like SuperHeroes, the task force will include members from the Treasury, the Bank of England and the Financial Conduct Authority, whose goal will be to maintain a leadership position for the UK in cryptocurrency and fintech. $3 billion
- [Is Daigou or remote shopping the next big “thing”?](https://paymentsnext.com/is-daigou-or-remote-shopping-the-next-big-thing/) - We know artificial intelligence and robots are taking over many functions of business including payments, banking, investment advice and much more. Welcome to the next big shopping trend – daigou – or Chinese ex-pats buying consumer goods in countries abroad for friends, families and customers back home in China. The BBC reports on the growing
- [Square merchants not square about cryptocurrency payments](https://paymentsnext.com/square-merchants-not-square-about-cryptocurrency-payments/) - A new research study shows that more than half of Square merchants would accept cryptocurrency payments for goods and services. The survey of 100 US merchants by Nomura Instinet showed 60% are open to taking bitcoin payments instead of dollars. “This result is surprising, especially amid Bitcoin’s elevated volatility,” Nomura Instinet analyst Dan Dolev said
- [Amazon Rechargeable debit card launches in Mexico](https://paymentsnext.com/amazon-rechargeable-debit-card-launches-in-mexico/) - According to government research, fewer than one-third of Mexicans own a credit card. With such a large un-banked population, Amazon saw an opportunity to grow its e-commerce business by launching its own debit card called Amazon Rechargeable. Amazon Rechargeable “Clients that don’t have a credit or debit card will find Amazon Rechargeable an easy and
- [Uphold expands cryptocurrency payroll to gig economy/underserved workers](https://paymentsnext.com/uphold-expands-cryptocurrency-payroll-to-gig-economy-underserved-workers/) - A new Uphold partnership will simplify and speed up the payroll process for employers paying employees and freelancers, and freelancers invoicing clients around the world. The partnership brings together Uphold with Bitwage, an international payroll processing service, and digital currency Dash in a new cryptocurrency payroll platform. Global reach, choice of currencies Robin O’Connell, Chief Revenue
- [Global e-commerce and mobile payments news roundup](https://paymentsnext.com/global-e-commerce-and-mobile-payments-news-roundup/) - Just in time for your weekend leisurely reading, we've got a global e-commerce and mobile payments news roundup. E-commerce highlights include Amazon Pay's new India investments, a profile of Tencent founder Pony Ma, tips on cross-border business from Braintree and a report from RBR on global credit card payments growth. On the mobile payments front, we've
- [US retail news roundup: A rugged ride](https://paymentsnext.com/us-retail-news-roundup-a-rugged-ride/) - Since shopping and payments are like hand in glove, let’s look at the latest trends in US retail. It’s a rugged ride. Struggling retailers list grows More than 5,000 US stores closed in 2017 and the list of struggling retailers in the US is growing. Some of the names are iconic brands. With $5 billion
- [Hey Google: How much will voice shopping be worth by 2022?](https://paymentsnext.com/hey-google-how-much-will-voice-shopping-be-worth-by-2022/) - A new report from OC&C Strategy Consultants (OC&C) predicts the voice shopping market in the US and UK will reach $40 billion by 2022. It's a bold prediction when voice shopping sales in 2015 were estimated at only $2 billion. Voice device sales growing fast Experts predict the growth in voice shopping will be driven sales
- [Walmart e-commerce and payments news roundup](https://paymentsnext.com/walmart-e-commerce-and-payments-news-roundup/) - Here's a Walmart e-commerce and payments news roundup to wrap up your week. Despite e-commerce sales up 23% in Q4 2017 and 16% in 2017 overall, analysts were expecting even bigger results from the company's acquisitions and investments in e-commerce. Walmart is innovating on a number of fronts, including the launch of higher end, private
- [Mobile payments: global news roundup](https://paymentsnext.com/mobile-payments-global-news-roundup/) - We've got a roundup of the latest mobile payments news, innovations and developments from key markets around the globe to wrap up your weekly reading. Mobile Payments in US to Reach $3 Trillion Within Two Years The biggest number here is a comparative: in 2015, mobile payments in the US represented $550 billion. That’s good
- [Mobile World Congress Keynote: Christopher Young, CEO McAfee](https://paymentsnext.com/mobile-world-congress-keynote-christopher-young-ceo-mcafee/) - With the Mobile World Congress (MWC) 2018 underway in Barcelona through March 1, we’ve got highlights of McAfee CEO Christopher Young's keynote presentation. Young offers an inspiring message about using quality management to solve security problems. He opened with a look back in security history to provide perspective. “We have an entirely set of new
- [Global e-commerce will reach $3.3 trillion in 2018](https://paymentsnext.com/global-e-commerce-will-reach-3-3-trillion-in-2018/) - Global e-commerce will grow by more than 10% to hit $3.3 trillion in 2018 according to a new study by Juniper Research. The study notes the growth of remote payments by companies such as PayPal, which counts for 20% of mobile sales online outside of China. Alipay and Weixin Pay within China means that these two players combined
- [Who are the top 10 cashless countries?](https://paymentsnext.com/top-ten-cashless-countries/) - Recent research by ForexBonuses.org shows cashless options are growing quickly in some countries. They looked at the 20 top economies and spending habits based on available data and the overall weighted average was compiled for rankings. Researchers used six criteria in measuring top cashless countries: number of credit and debit cards per person; number of
- [New merchant payments options: PayByCar and Litecoin](https://paymentsnext.com/new-merchant-payments-options-paybycar-and-litecoin/) - Today's newsletter looks at several new consumer and merchant payments options. The first is PayByCar which brings new meaning to the phrase "auto" payments with its new in-vehicle payments service. The second story is about new merchant payment options using cryptocurrency and Litecoin payments in particular. Cryptocurrency payments developments are happening quickly and it feels
- [Litecoin payments: Will that be debit, credit card or cryptocurrency?](https://paymentsnext.com/litecoin-payments-will-that-be-debit-credit-card-or-cryptocurrency-payments/) - The new refrain at checkout could soon be "Will that be debit, credit card or cryptocurrency?" with the launch of two new merchant cryptocurrency payments options. Both new services include the option of Litecoin payments. LitePay launches Litecoin payments LitePay, a new cryptocurrency-enabled payments platform for merchants will launch on Feb 26th in 41 countries,
- [PayByCar makes in-vehicle payments easy](https://paymentsnext.com/paybycar-makes-in-vehicle-payments-easy/) - US commuters make $212 billion in purchases on the way to and from work every year. That’s the market PayByCar’s new service is targeting with the launch of its new “auto” payment service. Easy in-car payments Verdeva’s PayByCar service is an in-vehicle payments solution that lets drivers use toll transponders to simplify and speed up non-toll
- [Fintech’s biggest impact on financial services & cybercrime gone wild](https://paymentsnext.com/fintech-biggest-impact-on-financial-services-cybercrime-gone-wild/) - We've got highlights of two new and important reports for the payments industry. The first is PwC's look at the impact of fintech on the financial services industry. The second report is ThreatMetrix's Q4 2017 Cybercrime report, which is a real eye-opener. Lots of valuable business intelligence in these reports and they are highly recommended
- [ThreatMetrix Q4 Report: New cybercrime battlegrounds, trends](https://paymentsnext.com/threatmetrix-q4-report-new-cybercrime-battlegrounds-trends/) - New cybercrime battlegrounds are growing and adapting with consumers’ use and adoption of new technologies. We’ve got highlights from ThreatMetrix Q4 2017 Cybercrime Report and a snapshot of what new threats are on the horizon. Among some of the new developments and trends are a rise in mobile attacks; more advanced phishing and malware and
- [PwC: Where is fintech’s biggest impact on financial services?](https://paymentsnext.com/pwc-where-is-fintech-biggest-impact-on-financial-services/) - The impact of technology on financial services has been rapid and significant according to PwC’s 2017 Global Fintech Report – Redrawing the lines: FinTech’s growing influence on Financial Services. Let’s take a look at where PwC says financial services have been hit the hardest and what’s on the horizon. Biggest fintech impact According to research
- [New VISA chargebacks rules coming April 15](https://paymentsnext.com/new-visa-chargebacks-rules-coming-april-15/) - As if Visa chargebacks weren’t challenging enough for merchants, issuers, acquirers and processors, new rules from Visa will launch April 15. The cost of chargebacks for Visa and merchants is rising and managing this growing problem has led to the need for new ways to resolve chargebacks. New Visa Claims Resolution (VCR) The new Visa
- [US DOJ takes down $530 million international cybercrime ring](https://paymentsnext.com/us-doj-takes-down-530-million-international-cybercrime-ring/) - The US Department of Justice shut down an online group of cyber criminals responsible for more than $530 million in online fraud. Thirty-six members of the group, known as the “Infraud Organization”, were indicted and thirteen arrested by law enforcement officials in six countries. Cyber criminal ring operated since 2010 The DOJ indictment says the
- [eBay dumps PayPal for Dutch payments provider Adyen](https://paymentsnext.com/ebay-dumps-paypal-for-dutch-payments-provider-adyen/) - The news eBay is dumping PayPal for Dutch payments processor Adyen couldn’t have come at a worse time for PayPal. PayPal stock dropped 11% in after-hours trading, but there are bigger challenges on the horizon with a growing number of fintech competitors such as Adyen, Square, Stripe, Apple Pay, iZettle and others. eBay had acquired
- [Square launches bitcoin trading on Cash App: Perfect timing?](https://paymentsnext.com/square-launches-bitcoin-trading-on-cash-app-perfect-timing/) - In many ways, the timing couldn’t be worse for Square’s launch of bitcoin trading on its Cash App. Cryptocurrency trading turmoil is heavy this week. Another way to look at it? It’s exquisite timing. There’s going to be a lot of trading during a volatile 2018 and that’s a win for any payments processor. Square
- [Amazon’s Q4 financial results impressive](https://paymentsnext.com/amazons-q4-financial-results-impressive/) - If you were a veteran of racetrack betting, you’d be doing the happy dance with Amazon’s Q4 financial trifecta win. Why a trifecta? Three reasons for a huge Amazon smile at their financials: sales increased 38% to $60.5 billion in Q4 compared to $43.7 billion in 2016 net income was $1.9 billion in Q4 vs
- [News Roundup: E-commerce fraud, China mobile payments, Starbucks no-cash payments](https://paymentsnext.com/news-roundup-e-commerce-fraud-china-mobile-payments-starbucks-no-cash-payments/) - Today's newsletter looks at a big jump in 2017 holiday e-commerce fraud, the drivers behind China's mobile payments growth at home and abroad, and Starbucks no-cash only payments test in a Seattle coffee shop. ACI: Holiday e-commerce fraud attempts jumped 22% A new ACI Worldwide research report showed 2017 e-commerce fraud jumped 22%, while transactions
- [ACI: Holiday e-commerce fraud attempts jumped 22%](https://paymentsnext.com/aci-holiday-e-commerce-fraud-attempts-jumped-22/) - A new ACI Worldwide research report showed 2017 holiday e-commerce fraud jumped 22%, while transactions increased 19%.
- [What’s driving China’s mobile payments global growth?](https://paymentsnext.com/whats-driving-chinas-mobile-payments-global-growth/) - Wharton University recently published a valuable look inside China’s mobile payments industry and the global ambitions of its industry leaders. The growth is most notable by the two largest competitors – Alipay and WeChat Pay which together own more than 92% of the Chinese mobile payments market according to the Wharton report: “Cashless settlements already
- [Starbucks tests coffee with no-cash payments](https://paymentsnext.com/starbucks-tests-coffee-but-no-cash-payments/) - Starbucks is testing a non-cash-only payments policy at a busy downtown Seattle coffee location.
- [Research: How online buyer paths lead to product sales](https://paymentsnext.com/research-how-online-buyer-paths-lead-to-product-sales/) - The Center for the Digital Future paints a valuable profile of the online consumer and the paths to purchase online.
- [Holiday sales roundup, Amazon unveiled, Banks battle Fintechs](https://paymentsnext.com/paymentsnext-news-holiday-sales-roundup-amazon-unveiled-banks-battle-fintechs/) - We've got a wide-ranging newsletter to start the year. First up, a look at the 2017 retail and e-commerce holiday sales season where a 5% increase in US retail sales, surprised many. Next, we feature a brand-new research report from Feedvisor with an in-depth look at Amazon Prime member shopping habits compared to non-members. It's
- [Amazon ruled 2017 US e-commerce: 27 competitive facts to know](https://paymentsnext.com/amazon-ruled-2017-us-e-commerce-27-facts-to-know/) - Amazon ruled 2017 e-commerce with more than 43.5% of all US online sales. Here are the facts you need to know to compete.
- [2017 holiday retail roundup: Winners and losers](https://paymentsnext.com/2017-holiday-retail-roundup-winners-and-losers/) - Final 2017 holiday e-commerce sales results showed numerous winners mixed in with some prominent losers.
- [Banks, Fintech Must Meet in the Middle on Data Sharing](https://paymentsnext.com/banks-fintech-must-meet-in-the-middle-on-data-sharing/) - The battle of the moment in the financial services industry is about access and control of consumer financial data.
- [Blockchain offers govt ROI, smart parking and SEC gets Munchees ICO](https://paymentsnext.com/blockchain-offers-govt-roi-smart-parking-and-sec-gets-munchees-ico/) - We've got a great collection of posts on blockchain technology benefits for government, a smart parking initiative using blockchain and the SEC's shutdown of a much-hyped ICO. If you're a government leader, you'll find FCW's report on blockchain benefits for government a refreshing and valuable read. Check out our post on NetObjex's smart parking initiative
- [Bitcoin futures trading launches and bitcoin battles phishing as value rises](https://paymentsnext.com/bitcoin-futures-trading-launches-and-bitcoin-battles-phishing-as-value-rises/) - Today's newsletter highlights the opening day of bitcoin futures trading on the Chicago Board Options Exchange (Cboe). There was lots of interest. There were also outages and volatility. What more would you expect when crypto meets Wall Street? We also take a look at the growing problems of cybersecurity and phishing as cryptocurrency values increase. Cybercriminals
- [Where's bitcoin going? Two very different views ahead](https://paymentsnext.com/wheres-bitcoin-going-two-very-different-views-ahead/) - As bitcoin crosses $8,000 this week, two passionate views are on full display. The bitcoin boosters and bulls are saying watch out for $10,000 before the end of December and $11,500 in 2018. Despite the bitcoin market run-up, the bears are forecasting a serious reality check for the digital currency, perhaps even "peril." We've got
- [Blockchain's potential for government agency security, trust and efficiency](https://paymentsnext.com/blockchains-potential-for-government-agency-security-trust-and-efficiency/) - An FCW seminar gathered federal government leaders to explore the potential for blockchain technology to provide increased security, efficiency and solutions for better government. While attendees agreed blockchain technology has potential, their comments showed a mix of reservations, interest and reflection on the most practical ways to implement and benefit. We gathered a collection of their
- [NetObjex blockchain will deliver smart parking with IOTA payments](https://paymentsnext.com/netobjex-blockchain-will-deliver-smart-parking-with-iota-payments/) - Irvine, CA tech company NetObjex says its has a new smart parking solution using blockchain technology and payments with IOTA cryptocurrency. It's another great example of blockchain technology with practical applications for business. Using NetObjex blockchain technology, automobiles pay for parking by communicating autonomously with smart parking meters via PNI location sensors and enabling IOTA cryptocurrency wallet
- [SEC gets the Munchees and shuts down ICO](https://paymentsnext.com/sec-gets-the-munchees-and-shuts-down-ico/) - Last Monday, the US Securities and Exchange Commission (SEC) issued a cease-and-desist order shutting down an ICO by California-based Munchee. This marked the first time an ICO was shut down by the SEC without direct fraud allegations. Munchee is a blockchain-based food review service which was hoping to raise $15 million for a mobile app
- [Fintech Friday, Global Payments & Holiday E-commerce News](https://paymentsnext.com/fintech-friday-global-payments-holiday-e-commerce-news/) - Today's newsletter is packed with fintech, global payments and e-commerce news including the latest research on growing online fraud, chatbot Christmas shopping at Minnesota’s Mall of America, Sears risky strategy of selling on Amazon and Target’s acquisition of daily delivery provider Shipt. Lots of payments and e-commerce news to keep you current leading into the
- [Fintech Friday: Craigslist, PayPal, Baidu, Kroger, Tikkie, Tipalti](https://paymentsnext.com/fintech-friday-craigslist-paypal-baidu-kroger-tikkie-tipalti/) - Our fintech Friday post features a range of stories from around the globe to keep you current on the latest developments in financial payments and innovations. LexisNexis Risk Solutions reports the cost of online fraud is up 15.4%. Craigslist will now let users accept bitcoin payments. Kroger will accept mobile payments by JPMorganChase. Analysts estimate
- [Christmas with AI a reality at Mall of America](https://paymentsnext.com/christmas-with-ai-a-reality-at-mall-of-america/) - Christmas shoppers at the massive Bloomington, Minnesota Mall of America will have extra help from a holiday chatbot this year. Launched on December 12, the chatbot is available on the shopping center website, its Facebook page and a mobile app for use inside the Mall. Shoppers can ask questions, plan their shopping trip in advance,
- [Will Sears sales on Amazon bail the struggling chain out?](https://paymentsnext.com/will-sears-sales-on-amazon-bail-the-struggling-chain-out/) - In what some may call a deal with the devil, Sears continues to offer more of its iconic brand products for sale on Amazon's e-commerce platform. The latest include DieHard batteries, tires and other car products to be available by Spring 2018. During the past summer, Sears started selling its Kenmore appliances on Amazon which
- [Target ups delivery ante against Amazon with Shipt acquisition](https://paymentsnext.com/target-ups-delivery-ante-against-amazon-with-shipt-acquisition/) - Target just spent $550 million to acquire same-day delivery service Shipt in an effort to compete more effectively with Amazon online. With Walmart's free two-day shipping, e-commerce is getting much more competitive, although Amazon still dominates the market. It's Target's biggest acquisition ever and it shows you where the market is moving. It's moves towards
- [Gone phishing: The business and payments problem that's growing fast](https://paymentsnext.com/gone-phishing-the-business-and-payments-problem-thats-growing-fast/) - Phishing is one of our biggest cybersecurity and payments problems and it's getting worse all the time. We'll look today at some of the recent trends in phishing and that includes new attempts on bitcoin exchanges, wallets and cryptocurrency trading. What is phishing? Phishing is simply the attempt to steal sensitive or confidential information by
- [What's the future for bitcoin futures?](https://paymentsnext.com/whats-the-future-for-bitcoin-futures/) - You had to expect something dramatic from the opening day of bitcoin futures trading on the Chicago Board Options Exchange (Cboe). Sure enough, eight minutes into trading, the website crashed due to heavy volume leaving some traders angry and frustrated. Sound familiar? Many cryptocurrency exchanges suffered similar problems meeting the heavy demand for bitcoin trading in the
- [Former Fed Reserve Chairman Alan Greenspan talks history and cryptocurrency](https://paymentsnext.com/former-fed-reserve-chairman-alan-greenspan-talks-history-and-cryptocurrency/) - Former Federal Reserve head Alan Greenspan compares bitcoin to “Continental currency” issued in 1775 by the new US Congress to help finance the need for guns, ammunition and supplies for the American Revolution. The currency allowed George Washington’s new government to create a market for goods and services although the government kept issuing new currency
- [Cryptocurrencies converge with payments as bitcoin soars](https://paymentsnext.com/cryptocurrencies-converge-with-payments-as-bitcoin-soars/) - Our Friday fintech newsletter starts with a look at UK banking disruptor Revolut and its new cryptocurrency trading and payments offer in partnership with Bitstamp. The convergence of cryptocurrency and payments is going to be bumpy but Revolut just moved the bar for competitors. Jehan Chu, Kenetic Capital managing partner provides a view of cryptocurrencies from his
- [Revolut and Bitstamp put cryptocurrency payments in consumer hands](https://paymentsnext.com/revolut-and-bitstamp-put-cryptocurrency-payments-in-consumer-hands/) - UK fintech bank Revolut continues its disruptive ways with the launch of a new cryptocurrency feature added to its mobile banking services with the help of digital currency exchange Bitstamp. Buy, sell, hold three cryptocurrencies Revolut said its customers will be the first to buy, sell and hold three cryptocurrencies – bitcoin (BTC), litecoin (LTC)
- [Asia perspective on bitcoin & blockchain market drivers](https://paymentsnext.com/asia-perspective-on-bitcoin-blockchain-market-drivers/) - Jehan Chu, Kenetic Capital managing partner in Hong Kong, discusses his forecast for bitcoin and the global acceptance of cryptocurrencies. He offers a unique Asian investor perspective on cryptocurrency and blockchain. Chu said he expects substantial growth in bitcoin value: I think that we’re going to see $50,000 by the end of 2018 for bitcoin.
- [What's ahead for bitcoin in 2018? We poll the experts](https://paymentsnext.com/whats-ahead-for-bitcoin-in-2018-we-poll-the-experts/) - Depending on your investment frame of mind, you can pretty much take your pick for what's ahead for bitcoin in 2018 – ranging from a market meltdown and bitcoin apocalypse to $40,000 bitcoin values and upwards. Since bitcoin really has no fundamentals, let's look at what a range of "experts", including the bulls and bears,
- [2018 bitcoin expert predictions; ICO & exchange regs coming](https://paymentsnext.com/2018-bitcoin-expert-predictions-ico-exchange-regs-coming/) - Today's newsletter takes a look at the regulatory horizon coming fast for cryptocurrency, ICOs and digital coin exchanges and which US regulatory agencies are likely to move ahead fastest. We've also got a roundup of cryptocurrency experts on what's ahead for bitcoin in 2018? Lots of bulls, some bears and a few outlier predictions worth
- [Regulations will become a way of life for cryptocurrency exchanges, ICOs](https://paymentsnext.com/regulations-will-become-a-way-of-life-for-cryptocurrency-exchanges-icos/) - Monday saw the first lawsuit by the US Securities and Exchange Commission's cyber unit against an ICO called Plexcorps. According to securities experts, it's a sign of increased legal and regulatory challenges ahead for both ICOs and cryptocurrency exchanges. With Coinmarketcap.com tracking more than 1,300 digital tokens with a total estimated market capitalization of more
- [Logistics? There's a blockchain for that](https://paymentsnext.com/logistics-theres-a-blockchain-for-that/) - With a shortage of delivery capacity in the US, more retailers are charging fees to suppliers for late delivery of products. Kroeger is the latest to penalize suppliers with a $500 fee for deliveries arriving more than two days late. Earlier in the year, Walmart had implemented a similar policy. Kroeger claims it loses up to
- [PaymentsNEXT:  Holiday fraud drops; prevention strategies; suppliers penalized for late delivery](https://paymentsnext.com/paymentsnext-holiday-fraud-drops-prevention-strategies-suppliers-penalized-for-late-delivery/) - Today's newsletter highlights a surprising 29% decrease in holiday shopping credit card fraud according to a report from Iovation. We've also got fraud prevention strategies from Kount COO Rich Stupy in the company's new "2 Minutes on Fraud" video series. Finally we feature a report from FreightWaves.com on retailers penalizing suppliers for late deliveries and
- [Holiday credit card fraud dropped 29% this year](https://paymentsnext.com/holiday-credit-card-fraud-dropped-29-this-year/) - A new report from security firm Iovation shows 2017 holiday credit card fraud dropped 29% during the key Nov 24-27 shopping days. Data also showed 62% of transactions were made via mobile devices and tablets compared to 55% last year. While the trend for improved security is encouraging, it's also interesting to note that mobile
- [Fraud doesn't wait: Kount on fraud prevention](https://paymentsnext.com/fraud-doesnt-wait-kount-on-fraud-prevention/) - When it comes to fraud, you need to be able to fight back instantly according to Rich Stupy, Chief Operations Officer with security firm Kount. To stop a fraud attack, you have to be on the attack in milliseconds, literally in a fraction of the blink of an eye. It can't be the sort of
- [Bitcoin bubble talk, central crypto coins, trillion dollar crypto - Oh My](https://paymentsnext.com/bitcoin-bubble-talk-central-crypto-coins-trillion-dollar-crypto-oh-my/) - Today's newsletter has valuable news you can use – starting with the timely new app called Bitcoin Bubble Burst which uses artificial intelligence and predictive analysis to send you alerts before bitcoin makes a market move. We also hear from several experts predicting the rise of central government-backed digital currencies and how they may look
- [Bitcoin Bubble Burst: Timeliest cryptocurrency app ever?](https://paymentsnext.com/bitcoin-bubble-burst-timeliest-cryptocurrency-app-ever/) - With bitcoin passing $11,770 in Sunday trading, you had to smile with a deep sense of irony that the Bitcoin Bubble Burst app launched the same day at the TechCrunch's Disrupt Berlin hackathon in Germany. There are other apps that alert you to market moves after-the-fact, but so far creators say none will give you advance predictions
- [Will government-backed cryptocurrencies rule the future?](https://paymentsnext.com/will-government-backed-cryptocurrencies-rule-the-future/) - Many central banks are trying to figure out what the impact of cryptocurrency will be on their own fiat currencies. Some struggling economies such as Argentina and Venezuela may have no choice but to use cryptocurrency to help bail out their own failing economies. A number of countries are well along in developing their own
- [Cryptocurrency will eventually be worth trillions says VC Albert Wenger](https://paymentsnext.com/cryptocurrency-will-eventually-be-worth-trillions-says-vc-albert-wenger/) - VC Union Square Ventures partner Albert Wenger says cryptocurrency will be worth trillions of dollars. Eventually. Along the way, he says, there’s the risk of a drop-off in the short-term but the longer term is positive. The way I look at this is. When we look back at it from far away in the future,
- [Bears and bulls battle for bitcoin's future](https://paymentsnext.com/bears-and-bulls-battle-for-bitcoins-future/) - Our newsletter looks at bitcoin's future post-$11,000 and comes up a wild range of opinion. The head of the IMF, Christine Lagarde, sees a future for bitcoin in central bank policies. 88-year-old founder of Vanguard Group, Jack Bogle, says "avoid bitcoin like the plague" while James Altucher and Spencer Bogart speculate bitcoin could reach $1
- [Bitcoin exuberance: Altucher and Bogart predict $1 million by 2020](https://paymentsnext.com/bitcoin-exuberance-altucher-and-bogart-predict-1-million-by-2020/) - As bitcoin roars past $11,000, predictions on the digital currency's future value are getting wilder. On CNBC today, James Altucher, Formula Capital, and Spencer Bogart, Blockchain Capital, both agreed with John McAfee that bitcoin could reach $1 million by 2020. Say what? Yes, $1 million "Easily," Altucher said. Bogart responded, "It seems reasonable though I'm not
- [Vanguard founder: "Avoid bitcoin like the plague"](https://paymentsnext.com/vanguard-founder-avoid-bitcoin-like-the-plague/) - So how does Vanguard Group founder Jack Bogle really feel about bitcoin? "Avoid bitcoin like the plague," he said recently during a presentation at the Council on Foreign Relations. "Did I make myself clear?" he added. The legendary 88-year-old investor is warning investors to stay clear of the digital currency. His explanation? Bitcoin is too
- [IMF Head: Central Banking, Fintech, Cryptocurrency – A Brave New World?](https://paymentsnext.com/imf-head-central-banking-fintech-cryptocurrency-a-brave-new-world/) - International Monetary Fund managing director Christine Lagarde delivered a thoughtful presentation at a Bank of England conference several weeks ago. Her presentation is worth a second look by central bankers who see no role for digital currencies and are threatened by them. For an establishment banking leader, she was surprisingly candid about central monetary challenges
- [Thanksgiving and Cyber Monday sales roundup: Sales records, mobile and Amazon](https://paymentsnext.com/thanksgiving-and-cyber-monday-sales-roundup-sales-records-mobile-and-amazon/) - We’ve got highlights to share about online sales during Thanksgiving long weekend and Cyber Monday in the US. There were record sales overall, and records on several days including Thanksgiving Day and Black Friday. We also note that Amazon again dominated online with 45.1% of online sales on Thanksgiving Day and 55% on Black Friday.
- [Amazon ruled Thanksgiving Day with 45% of online sales; Walmart growing](https://paymentsnext.com/amazon-ruled-thanksgiving-day-with-55-of-online-sales-walmart-growing/) - No big surprise – Amazon simply ruled Thanksgiving shopping, accounting for 55% of online sales in the US on Black Friday and 45.1% on Thanksgiving Day. Online sales data from research firm Hitwise provides an interesting snapshot of the competitive e-commerce marketplace. The firm reports the top 50 retailers handled more than 39.8 million online transactions
- [Cyber Monday highlights: Record sales, mobile mattered, Amazon ruled](https://paymentsnext.com/cyber-monday-highlights-record-sales-mobile-mattered-amazon-ruled/) - US Cyber Monday online sales hit record levels, up 16.8% to reach $6.6 billion just as predicted by Adobe Analytics. Compared with 2014, sales grew by $2.5 billion, showing just how critical Monday is on the Thanksgiving shopping menu. Mobile mattered on Cyber Monday That's not all that mattered to online sellers as mobile played
- [Chainalysis research shows up to 23% of bitcoin are MIA](https://paymentsnext.com/chainalysis-research-shows-up-to-23-of-bitcoin-are-mia/) - A new report by bitcoin research firm Chainalysis shows between 17% to 23% of bitcoins have disappeared or are out of circulation for a variety of reasons. The lost coins – estimated at between 2.78 million and 3.79 million bitcoins – represent more than $29.8 billion of "missing" digital currency at a trading value of
- [14 Altcoins rising: A fresh look at recent market values](https://paymentsnext.com/14-altcoins-rising-a-fresh-look-at-recent-market-values/) - Today, bitcoin soared past $9,500 in busy Monday trading. The real market story may be the rise in value of a number of altcoins led by Litecoin which hit a record $87. Let's look at trading values and 7-day trends today (Nov 27) for the top 14 alternate digital currencies according to Coinmarketcap.com. Altcoin Market
- [Payments news: Black Friday sales analysis, China mobile, Tencent growth](https://paymentsnext.com/payments-news-black-friday-sales-analysis-china-mobile-tencent-growth/) - Today's newsletter has Black Friday sales analysis, an in-depth report on China mobile and a profile of Tencent, the largest company you've probably never heard of. What do you need to know about Black Friday sales? Online sales were up 17.9% and foot traffic down 1.6%. And Cyber Monday is poised to be a record
- [Black Friday sales analysis: Online spending up, foot traffic down](https://paymentsnext.com/black-friday-sales-analysis-online-spending-up-foot-traffic-down/) - US Thanksgiving and Black Friday online sales hit record levels while foot traffic in retail stores was down slightly at most locations. Preliminary reports from Adobe Analytics say Thanksgiving Day and Black Friday online sales totaled $7.09 billion, up 17.9% from the year before. Black Friday sales alone totaled $5.03 billion. Adobe predicts Cyber Monday
- [Which Chinese tech company is now bigger than  Facebook?](https://paymentsnext.com/which-chinese-tech-company-is-now-bigger-than-facebook/) - What Chinese tech company is now bigger than Facebook and has a market cap of more than $529.9 billion? Hint: it's not Alibaba. If you guessed Tencent, you're not likely a resident of North America or Europe because this Chinese company is largely unknown outside of China and will surprise you by its size and
- [Mobile China: 520 million wallets & payments worth more than $5.9 trillion](https://paymentsnext.com/mobile-china-520-million-wallets-payments-worth-more-than-5-9-trillion/) - If there was ever any doubt about the direction of the payments industry, one need only look to China for the future. Alibaba's Ant Financial group reported there are now more than 520 million mobile wallet users in China. The People's Bank of China reports Chinese banks handled 8.6 billion mobile transactions in the second
- [E-commerce security, fraud and cybercrime news and trends](https://paymentsnext.com/e-commerce-security-fraud-cybercrime-news-trends/) - While credit card security is improving, criminals have focused new efforts on e-commerce fraud, card not present fraud and new digital crime innovations. Our payments news roundup today looks at the latest trends in online security and cybercrime. According to the Association for Financial Professionals (AFP), 75% of business experienced check fraud, up 4%. Forrester reports 49% of
- [Will bitcoin break $10,000 barrier by Dec 31?](https://paymentsnext.com/will-bitcoin-break-10000-barrier-by-dec-31/) - Will bitcoin bust the $10,000 barrier within the next five weeks or is this just a herd mentality? Bitcoin bull Mike Novogratz recently claimed bitcoin would hit $10,000 by the end of the year. Now, as bitcoin heads past $8,000, Fundstrat analyst Thomas Lee says he expects $11,500 by the middle of 2018. That’s a 40%
- [Bitcoin in peril: "Unchartered waters," says Cumberland CEO](https://paymentsnext.com/bitcoin-in-peril-unchartered-waters-says-cumberland-ceo/) - Is bitcoin edging closer to a perilous plunge? David Kotok, CEO of Cumberland Advisors thinks so. In an interview with Bloomberg, Kotok said, “I’m in the camp that says something that can be created infinitely with mathematical formulas and that is subject to hacking and the experiences we’re seeing is not a valid view. So
- [Adobe Digital Insights 2017: Invaluable online holiday shopping research](https://paymentsnext.com/adobe-digital-insights-2017-invaluable-online-holiday-shopping-research/) - Our newsletter has a valuable three-part series looking at research highlights from Adobe Digital Insights 2017 Holiday Predictions. For online sellers and retailers, the research delivers actionable insights to increase online sales during the key Thanksgiving holiday shopping season. Part 1 of our in-depth report looks at sales figures and five key predictions from Adobe
- [Adobe Insights holiday shopping predictions, Pt 1: Online sales keep climbing](https://paymentsnext.com/adobe-insights-holiday-shopping-predictions-pt-1-online-sales-keep-climbing/) - Adobe Digital Insights' report for the 2017 holiday shopping season is out and it crunches the numbers in a big way – 4,500 retail websites, 55 million SKUs, and more than one trillion online consumer visits. This first of a three-part series, looks at overall sales and traffic predictions. Online sales speed up Online shopping is
- [Adobe Insights, Pt 3: What discounts are driving holiday sales?](https://paymentsnext.com/adobe-insights-pt-3-what-discounts-are-driving-holiday-sales/) - So what are online sellers offering for discounts this year? We wrap up our three-part report on Adobe Digital Insights 2017 holiday shopping predictions. For retailers and online sellers, we've got a valuable look at what deals retailers are offering on which key shopping days and what's motivating shoppers this year. The big get bigger
- [Adobe Insights holiday product predictions, Pt 2: Novelty & nostalgia](https://paymentsnext.com/adobe-insights-holiday-product-predictions-pt-2-novelty-nostalgia/) - In Part 2 of our look at Adobe Digital Insights' 2017 online holiday shopping predictions, we look at what products consumers will be buying this year. Hint: It's all about novelty and nostalgia! From a product sales point of view, three key product predictions stand out in this report. Cheaper products Consumers will be looking
- [UK bitcoin spending barriers dropping with Dragoncard](https://paymentsnext.com/uk-bitcoin-spending-barriers-dropping-with-dragoncard/) - UK's London Block Exchange (LBX), is launching a new service that allows users to buy and sell cryptocurrency and spend it with its new Visa Dragoncard debit card. When shoppers buy with their Dragoncard, their bitcoin is converted to British pounds at the time of sale and they are charged a 0.5% fee. Benjamin Dives, LBX's
- [Amazon's cashierless convenience store is nearly ready to GO](https://paymentsnext.com/amazons-cashierless-convenience-store-is-nearly-ready-to-go/) - Amazon is nearly done testing a convenience store innovation it calls Amazon Go and it's just about ready for prime time shopping. The concept is simple. Enter an Amazon Go convenience store and scan the Amazon Go app on your mobile phone. Pick up the products you need, bag them and walk out the front
- [Amazon Go[es], buying with bitcoin and Square comes around](https://paymentsnext.com/amazon-goes-buying-with-bitcoin-and-square-comes-around/) - We've got three posts that speak loudly to the convergence of cryptocurrency, cashier-less convenience and buying with bitcoin. They show how payments, banking and fintech are evolving at blazing speed thanks to technology. Amazon Go[ing] First, an update on Amazon Go, the Seattle tech company's effort to bring cashier-less checkouts to convenience store shopping. Imagine. No
- [Square comes around to bitcoin buying](https://paymentsnext.com/square-comes-around-to-bitcoin-payments/) - After looking into its crystal ball, Square is coming around to the concept of buying bitcoin and possibly paying soon with cryptocurrency. Bloomberg reports Square is letting some of its clients buy bitcoin with its Square Cash mobile app. Square issued its own statement from San Francisco saying, “We’re exploring how Square can make this experience
- [Cryptocurrency news: regs, fraud and wild swings in coin market value](https://paymentsnext.com/cryptocurrency-news-regs-fraud-and-wild-swings-in-coin-market-value-dominate/) - The digital currency world moves fast and we've got the latest cryptocurrency news and insights to keep you up to speed. As the market digests last week's US SEC comments and guidance on cryptocurrency ICOs (initial coin offerings), industry opinion is mostly positive. Fortune has a simple guide and explanation of the new SEC regulations on
- [Cryptocurrency news: ICO Tracker, Filecoin, Stox, hedge funds, CoinMarketCap](https://paymentsnext.com/cryptocurrency-news-ico-tracker-filecoin-stox-hedge-funds-coinmarketcap/) - In today's cryptocurrency news, hedge fund investments in cryptocurrencies are "exploding", Bitcoin is booming and crypto is the new black. Hedge Fund Alert reports a record number of hedge funds are investing in cryptocurrencies. On Monday Aug 7, the combined market cap of all digital currencies reached a record high of nearly $118 billion. Nervous yet?
- [Welcome aboard the Cryptocurrency roller coaster: Digital currency news](https://paymentsnext.com/welcome-aboard-the-cryptocurrency-roller-coaster-digital-currency-news/) - Welcome aboard the cryptocurrency roller coaster. Fasten your seatbelts while we highlight the most recent cryptocurrency news, digital currency trends and global insights. In Japan, SBI Ripple added Sumitomo Mitsui Banking Corporation (SMBC), MUFG, Mizuho and Japan Post Bank to its consortium of 61 banks, totaling 80% of Japan's banking assets, and now using Ripple for
- [PaymentsNEXT News: Walmart, Kount security report, Jack Ma](https://paymentsnext.com/paymentsnext-news-walmart-kount-security-report-jack-ma/) - We've got three very different but timely payments industry posts today as we enter the holiday shopping season. Walmart bumps some online prices Our first look is at Walmart's new online pricing policy which is a departure from their "Everyday low prices" guarantee. Because the cost of shipping some items purchased online is not profitable,
- [Newest Walmart strategy? *Pay more online. Really!](https://paymentsnext.com/newest-walmart-strategy-pay-more-online-really/) - While Amazon is making efforts to lower prices online, Walmart seems to have a new strategy. Raising prices for online products. Yes, you read it correctly. Walmart's slogan of "Everyday low prices" may be giving way to - "Pay slightly more online." The Wall Street Journal tipped off readers that Walmart is raising prices for
- [Jack Ma: E-commerce giant killer](https://paymentsnext.com/jack-ma-e-commerce-giant-killer/) - This is a profile of the house that Jack Ma built. As the founder of Alibaba, he's China's version of Amazon's Jeff Bezos and Ma now has an estimated personal fortune of $47.6 billion based on his holdings. Founded in Hangzhou, China in 1999, Alibaba now has an ecosystem of companies that spans the globe and
- [Kount report: The challenge of e-commerce fraud for electronics retailers](https://paymentsnext.com/kount-report-the-challenge-of-e-commerce-fraud-for-electronics-retailers/) - Today, we're looking at the challenge of e-commerce fraud faced by electronics retailers. 2016 research says e-commerce fraud is a $3.8 billion problem. A recent report "E-commerce Fraud Challenges Facing Electronics Retailers" by Kount and Paladin Group highlights some of the challenges and some smart solutions for savvy online sellers. Why are electronics so popular
- [Balancing Blockchain, Bitcoin and Bitcoin Cash](https://paymentsnext.com/balancing-blockchain-bitcoin-and-bitcoin-cash/) - Today's newsletter covers the intriguing balance between Bitcoin, Bitcoin Cash and blockchain technology. Bananas for Bitcoin Cash The recent cancellation of the bitcoin fork created an interesting dynamic between Bitcoin and Bitcoin Cash in the marketplace. The result was a drop in the value of the original bitcoin to below $6,000 although this Monday it's
- [When is a blockchain not a bitcoin?](https://paymentsnext.com/when-is-a-blockchain-not-a-bitcoin/) - It's true. Bitcoin is based on blockchain technology. It's worth remembering though, as Tim Culpan wrote recently in Bloomberg's Gadfly column: Bitcoin ≠ blockchain. Blockchain ≠ bitcoin. This message bears repeating: You can be pro-blockchain and anti-bitcoin. He makes the point that Wall Street bankers and traditional, conservative investment counselors like the potential of blockchain technology but
- [Bitcoin's 'Mad Max' problems intensify](https://paymentsnext.com/bitcoins-mad-max-problems-intensify/) - Bitcoin was created as part of an anti-establishment movement to democratize money by creating digital currencies. Enter politics and you have a recipe for a problem of Mad Max proportions. Despite a few missteps, occasional fraud and the usual small number of bad actors, bitcoin has generally been on a positive growth curve for nearly
- [Blockchain technology adds lustre to Overstock.com shares](https://paymentsnext.com/blockchain-technology-adds-lustre-to-overstock-com-shares/) - The market likes Overstock.com. As proof, despite a $6.5 million loss in Q3, the value of shares of the online retailer has tripled from $17.70 to $53.15 this year. Some market analysts are saying that overstock could sell off its e-commerce business and instead become a blockchain company. Recently, several other companies saw a dramatic
- [Traders go bananas for Bitcoin Cash](https://paymentsnext.com/traders-go-bananas-for-bitcoin-cash/) - Following the cancellation of the Bitcoin hard fork AKA SegWit2X, the market value of Bitcoin closed lower for several days and in response, traders reacted quickly and decisively in two ways. First, bitcoin dropped below $6,000 in value for the first time in several weeks mostly based on confusion and division in the developer community
- [Fri fintech news: Paradise Paypers, Alexa, Visa wearable and IoT payments, AI and more](https://paymentsnext.com/fri-fintech-news-paradise-paypers-alexa-visa-wearable-and-iot-payments-ai-and-more/) - Our Friday fintech news roundup is loaded with everything from Paradise Papers to payments by Visa wearables, IoT and Alexa. Our first newsletter item starts at Money 20/20 where artificial intelligence was buzzing. Payments using AI, Amazon's Alexa and Internet of Things payments fit nicely together with Visa's announcement of three wearable payments devices as part
- [Fri fintech news: Money 20/20, Facebook, Alexa, Paradise Papers, Wirecard, Revolut](https://paymentsnext.com/fri-fintech-news-money-2020-facebook-alexa-paradise-papers-wirecard-revolut/) - This fintech Friday post looks at the latest in fintech and banking news and where the latest disruption is happening in financial services. At Money 20/20, the big buzz was about artificial intelligence and its impact on banking and the payments industry. TheNextWeb profiled fintech and how it's doing a better job of meeting the
- [Fri fintech news: Visa wearable payments, Amazon, GoDaddy, Square, IoT payments](https://paymentsnext.com/fri-fintech-news-visa-wearable-payments-amazon-godaddy-square-iot-payments/) - It's fintech Friday and we've got news about the latest financial tech innovations and trends to take you into the weekend. Rumors keep growing that Amazon is about to get into cryptocurrency according to Investopedia. Meanwhile, in Germany, Amazon is getting into hot water by delaying payments to merchants who are complaining loudly. Back in
- [PaymentsNEXT News: Cryptocurrency and bitcoin news roundup](https://paymentsnext.com/paymentsnext-news-cryptocurrency-and-bitcoin-news-roundup/) - This edition of PaymentsNEXT News features a roundup of cryptocurrency and bitcoin news. There's lots to report as bitcoin reached close to $8,000 in active trading driven mostly by plans to suspend the bitcoin fork scheduled for next week. We also had high-level US exchange leaders talking positively about bitcoin ETFs, bitcoin bulls pointing to new
- [Deloitte report says 26,000 new blockchain projects in first six months 2017](https://paymentsnext.com/deloitte-report-says-26000-new-blockchain-projects-in-first-six-months-2017/) - A new report from Deloitte says blockchain technology development and projects are accelerating as developers and companies explore the benefits and opportunities with the new technology. We've got a quick set of highlights from the report. In preparing this report, the company analyzed data from the popular GitHub site starting in 2009 up to and
- [Want to understand the future of mobile payments? Look at India's Paytm](https://paymentsnext.com/want-to-understand-the-future-of-mobile-payments-look-at-indias-paytm/) - While mobile payments adoption in the US is slower than most other markets, you need only look at India's Paytm to see the future of mobile payments. After India's demonetization on November 8, 2016, founder Vijay Shekhar Sharma realized that Paytm would have to become more than just a simple mobile wallet. Demonetization was simply
- [Walmart's mobile payments app is paying off for giant retailer](https://paymentsnext.com/walmarts-mobile-payments-app-is-paying-off-for-giant-retailer/) - Mobile payments quiz: Walmart Pay will be bigger than Apple Pay by the end of the year: True or false?
- [Global payments news: Amazon Cash, 7-Eleven, Facebook, Alipay, Paytm, nanopay](https://paymentsnext.com/global-payments-news-amazon-cash-7-eleven-facebook-alipay-paytm-nanopay/) - Our roundup of global payments news includes an interesting partnership between Amazon Cash and 7-Eleven, Facebook Messenger payments expansion into UK and France, Alipay growth in Europe, Asia payments markets and much more. As new PSD2 EU mobile payments standards approach, there will be faster growth in mobile payments and innovations ahead according to Lu Zurawski,
- [Cryptocurrency news roundup: Blockchain and bitcoin booming](https://paymentsnext.com/cryptocurrency-news-roundup-blockchain-and-bitcoin-booming/) - With no immediate signs of a correction, both blockchain business cases and bitcoin are booming. ICOs are still raising millions for blockchain and cryptocurrency businesses with a solid business plan and product or service officer. We've got an overview of recent regulatory moves in the US, India, China and Uruguay. New York authorities are chasing
- [Bitcoin busts out but bubble talk is growing](https://paymentsnext.com/bitcoin-busts-out-but-bubble-talk-is-growing/) - After crossing $7,400, bitcoin has retrenched somewhat although it is still in record-high territory in Monday trading. We've got a roundup of recent market news and comments by bitcoin bulls and bears to keep you up-to-date on the latest cryptocurrency developments. At a recent New York conference, Wall Street Journal columnist Jason Zwieg cautioned investors
- [Cryptocurrency news: Regulators roundup and bitcoin regulations trends](https://paymentsnext.com/cryptocurrency-news-regulators-roundup-and-bitcoin-regulations-trends/) - We've got a roundup of the latest news about cryptocurrency regulators around the globe and bitcoin regulations trends you should follow. Deutsche Bank strategist Jim Reid says fiat-based currencies are unstable and it's time to consider cryptocurrencies. His comments make sense when you look at struggling currency values in Venezuela, Argentina and other countries. The
- [Holiday retail outlook? Sunny with occasional flurries](https://paymentsnext.com/holiday-retail-outlook-sunny-with-occasional-flurries/) - We're looking at holiday retail sales projections and trends as the biggest shopping season of the year begins. The key word for this year's holiday shoppers is mobile. More than half of consumers will shop online on mobile devices according to Adobe Analytics. Prosper Consumer Confidence shows consumer spending on discretionary items was up 6% in
- [Bitcoin futures trading coming and 1 million register for cryptocurrency courses](https://paymentsnext.com/bitcoin-futures-trading-coming-and-1-million-register-for-cryptocurrency-courses/) - Our cryptocurrency news starts with reports of more than one million students enrolled in onliine cryptocurrency courses at Stanford, CMU and other universities. We follow up with a roundup of bitcoin investment news highlighted by plans for bitcoin futures trading by the end of the year and a valuable series of articles by Bloomberg on
- [Cryptocurrency news: 1 million crypto-students, bitcoin futures trading and trends](https://paymentsnext.com/cryptocurrency-news-1-million-crypto-students-bitcoin-futures-trading-and-trends/) - Today's cryptocurrency news roundup includes the latest blockchain technology news, bitcoin investor perspectives and market trends. If you thought interest in cryptocurrency is cooling off, take a look at this stat: more than one million have registered to take online cryptocurrency courses at Stanford, CMU and several other leading universities. Could bitcoin be coming to Amazon soon? DomainNameWire reports
- [Research: LendEDU finds out who's really interested in cryptocurrencies](https://paymentsnext.com/research-lendedu-finds-out-whos-really-interested-in-cryptocurrencies/) - Two recent cryptocurrency surveys by LendEDU help investors and marketers identify who's really interested in cryptocurrency. Bitcoin research highlights The first survey done in August, 2017 provided some valuable analysis on bitcoin: 78.6% of those surveyed were familiar with bitcoin 86.7% between the ages of 18 and 25 were familiar with bitcoin compared with 79% of
- [Global payments news: Wearable payments, Visa, Uber, HSBC, Amazon, Westpac](https://paymentsnext.com/global-payments-news-wearable-payments-visa-uber-hsbc-amazon-westpac/) - We've got a roundup of global payments news including e-commerce, mobile and fintech innovations in major markets. The global mobile payments market is now worth an estimated $600 billion as new technologies take hold such as contactless payments, wearable payments, mobile wallets and digital currencies. Westpac will introduce a new line of wearable payments featuring tap-and-pay and
- [Who's bullish on bitcoin? A market news roundup.](https://paymentsnext.com/whos-bullish-on-bitcoin-a-market-news-roundup/) - It's useful now and again to take a look at who is boosting bitcoin and which markets are bullish on the digital currency. We've got a roundup of bulls to keep you informed on the latest bitcoin news and cryptocurrency developments. Wall Street investor Bill Miller has 30% of his fund assets in cryptocurrency. A new Bank
- [Blockchain business cases: US Treasury, EU, 8 banks, DoE, Mogo, Hyperledger](https://paymentsnext.com/blockchain-business-cases-us-treasury-eu-8-banks-doe-mogo-hyperledger/) - We're tracking the latest blockchain business cases, innovations and news about blockchain technology. A US Treasury official says more blockchain pilots will lead to advances in data and information sharing. The European Commission announced €30 billion in technology research some of which will go directly to blockchain projects. Eight major international banks, including KBC, Deutsche
- [Blockchain business cases booming and Bitcoin pushing new boundaries](https://paymentsnext.com/blockchain-business-cases-booming-and-bitcoin-pushing-new-boundaries/) - We've got two feature stories today. The first looks why bitcoin can't get to first base as a legitimate payments system yet. Our second post is a roundup of the latest blockchain business use cases and trends. Bitcoin bites as payments platform so far What's holding bitcoin back from becoming useful for payments? We've got
- [Bitcoin as payment system? Not so much](https://paymentsnext.com/bitcoin-as-payment-system-not-so-much/) - When bitcoin was first created, the vision was it would soon become a currency and be used for payments or exchanging value. Just like other money, except better, faster and cheaper. The reality is it's become more of an investment vehicle and has yet to show real promise as a payment system. There are a
- [Blockchain business cases breaking out everywhere](https://paymentsnext.com/blockchain-boosters-breaking-out-everywhere/) - Blockchain technology is everywhere in the business, banking and technology news. It's not surprising given the advantages of the core technology originally used to create bitcoin and other cryptocurrencies. What's surprising is the rapid pace of testing and adoption as the blockchain business cases grow in number, and in a wide range of applications. We've
- [Blockchain meets banking and business; bitcoin bashing continues](https://paymentsnext.com/blockchain-meets-banking-and-business-bitcoin-bashing-continues/) - Blockchain technology really is beginning to reach critical mass in banking and other business applications. On the other hand, bitcoin is the cryptocurrency that Wall Street loves to hate. It keeps getting bashed although it has hovered around the $6,000 trading level and there are some bitcoin boosters out there. In today's blockchain business cases
- [Holiday shopping is Target-ed and mobile](https://paymentsnext.com/holiday-shopping-is-target-ed-and-mobile/) - We've got a PaymentsNEXT report on Target's holiday shopping strategies and a new report from YouAppi that says this year's shopping season is going to be very mobile. Target launched an ambitious and far-reaching holiday shopping strategy with a focus on a new mobile payments app, a very strong promotional push for eight of its
- [Holiday shoppers will be mad for mobile this year](https://paymentsnext.com/holiday-shoppers-will-be-mad-for-mobile-this-year/) - A new report from YouAppi says 85% of holiday shoppers expect to shop with a mobile app this year. For retailers and e-commerce businesses that have payments apps in place, this could be great news. For those who have been slow to implement mobile payments strategies, it could prove challenging. The report says 95% of marketers
- [Target's holiday shopping strategy is right on target](https://paymentsnext.com/targets-holiday-shopping-strategy-is-right-on-target/) - Target unveiled its holiday shopping strategy and between mobile payments, price matching and in-store pickup, it's going to compete very hard with Amazon and Walmart. Target announced a new mobile payments app, launching in November, which will add to REDcard loyalty members' 5% discount online, free shipping and require no membership fee. Take that Amazon.
- [Cryptocurrency news: The latest buzz about bitcoin as it hovers near $6,000](https://paymentsnext.com/cryptocurrency-news-the-latest-buzz-about-bitcoin-as-it-hovers-near-6000/) - Is big banking getting ready to take another look at bitcoin? That's the big question as the near-$6,000 bitcoin, proliferating ICOs and growing mainstream investor interest has hedge funds starting to assess digital currencies more closely. There's no question bankers like blockchain – a lot. Many major banks are exploring blockchain technology for a variety
- [Fri fintech news: Two-part e-commerce and mobile payments news special](https://paymentsnext.com/fri-fintech-news-two-part-e-commerce-and-mobile-payments-news-special/) - We’ve got a two-part Friday fintech news special series today. In fact, you might call our posts – WorldPay, WePay, you pay and we all pay by mobile. Our Fintech Friday, Part One looks at e-commerce news including JPMorgan’s purchase of WePay and a report from WorldPay that says the UK will be the third
- [Friday Fintech News: Global e-commerce gets growing fast with fintech](https://paymentsnext.com/friday-fintech-news-global-e-commerce-gets-growing-with-fintech/) - It's Fintech Friday and we've got the latest payments and fintech news from key markets around the world. A new WorldPay report says UK e-commerce will be worth more than $268 billion by 2021, making it the third largest e-commerce market in the world. The decline of payments cards is not surprising given the high penetration of
- [Friday Fintech News: Mobile payments picking up the pace globally](https://paymentsnext.com/friday-fintech-news-mobile-payments-picking-up-the-pace-globally/) - The second part of this week's Friday fintech news series is all about the fast-growing pace of mobile payments globally. Mobile payments news highlights include new developments from IBM Watson, Venmo, Apple Pay in India and a battle between bitcoin payments and Apple Pay. Tel Aviv headquartered PayKey introduces a new mobile payments keyboard aimed at millennials and
- [OWL Cybersecurity Report ranks Fortune 500 company hacker risks](https://paymentsnext.com/owl-cybersecurity-report-ranks-fortune-500-company-hacker-risks/) - The recent hack of Equifax re-opened the conversation about the critical nature of data security for every business from Wall Street to Main Street. A report by Denver-based OWL Cybersecurity (OWL) shows just how big the challenge is even for the largest US companies with all their resources. OWL set out to measure the cybersecurity
- [Dustups and diverging opinions on cryptocurrency and blockchain technology](https://paymentsnext.com/dustups-and-diverging-opinions-on-cryptocurrency-and-blockchain-technology/) - You could be forgiven if noisy, opposing opinions on cryptocurrency from international banking and investment executives sounded more like a World Wrestling Federation match. Our cryptocurrency news gathers a collection of these divergent, passionate opinions on digital currency investments and new blockchain business use cases from Wall Street to Main Street and around the globe.
- [Fintech here, there, globally: Deloitte adds 24 new fintech hubs](https://paymentsnext.com/fintech-here-there-globally-deloitte-adds-24-new-fintech-hubs/) - In developed countries, it's easy to forget that fintech is a global phenomenon. So, today we're looking at new fintech developments and news where we might not think of looking outside of the usual Silicon Valley, London and other leaders. As proven by Alibaba, financial giant killers can come from anywhere. Deloitte issued a new report

## Pages

- [Payments NEXT Contributor & Guest Post Guide](https://paymentsnext.com/payments-next-contributor-guest-post-guide/) - Welcome! If you’re a payments industry leader, we welcome your potential bylined article or guest post to Payments NEXT. Following are the key guidelines to ensure your post meets the interests of your colleagues – the global financial payments industry leaders who read our publication. We offer a valuable platform for telling your story and
- [Research](https://paymentsnext.com/payments-industry-research/) - PaymentsNEXT features a growing archive of the latest global payment industry research and resources.
- [Home 1 Block](https://paymentsnext.com/home-1-block/) - Payments NEXT covers the global payments industry, fintech news and payments trends.
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- [Mobile Payments](https://paymentsnext.com/news-archive/mobile-payments/) - Get news about the fast-growing mobile payments sector.
- [News Archive](https://paymentsnext.com/news-archive/) - Find payments industry news including fintech, research, payments technology, mobile payments, oonline security and more.

## Tags

- [online payments technology](https://paymentsnext.com/tag/online-payments-technology/)
- [fintech](https://paymentsnext.com/tag/fintech/)
- [fintech disruption](https://paymentsnext.com/tag/fintech-disruption/)
- [insurance tech](https://paymentsnext.com/tag/insurance-tech/)
- [bitcoin](https://paymentsnext.com/tag/bitcoin/)
- [blockchain](https://paymentsnext.com/tag/blockchain/)
- [Goldman Sachs](https://paymentsnext.com/tag/goldman-sachs/)
- [Citigroup](https://paymentsnext.com/tag/citigroup/)
- [Banco Santander](https://paymentsnext.com/tag/banco-santander/)
- [Wells Fargo](https://paymentsnext.com/tag/wells-fargo/)
- [UBS](https://paymentsnext.com/tag/ubs/)
- [HSBC](https://paymentsnext.com/tag/hsbc/)
- [ING](https://paymentsnext.com/tag/ing/)
- [Capital One](https://paymentsnext.com/tag/capital-one/)
- [JPMorgan Chase](https://paymentsnext.com/tag/jpmorgan-chase/)
- [CB Insights](https://paymentsnext.com/tag/cb-insights/)
- [payments industry](https://paymentsnext.com/tag/payments-industry/)
- [payment processing](https://paymentsnext.com/tag/payment-processing/)
- [robo-wealth management](https://paymentsnext.com/tag/robo-wealth-management/)
- [chatbot banking](https://paymentsnext.com/tag/chatbot-banking/)
- [mobile banking](https://paymentsnext.com/tag/mobile-banking/)
- [online payments](https://paymentsnext.com/tag/online-payments/)
- [online payment trends](https://paymentsnext.com/tag/online-payment-trends/)
- [payments industry research](https://paymentsnext.com/tag/payments-industry-research/)
- [chargebacks](https://paymentsnext.com/tag/chargebacks/)
- [chargeback management](https://paymentsnext.com/tag/chargeback-management/)
- [fraud](https://paymentsnext.com/tag/fraud/)
- [e-commerce fraud](https://paymentsnext.com/tag/e-commerce-fraud/)
- [credit card fraud](https://paymentsnext.com/tag/credit-card-fraud/)
- [payments fraud](https://paymentsnext.com/tag/payments-fraud/)
- [Grab](https://paymentsnext.com/tag/grab/)
- [Indonesia](https://paymentsnext.com/tag/indonesia/)
- [Singapore](https://paymentsnext.com/tag/singapore/)
- [declines](https://paymentsnext.com/tag/declines/)
- [mobile payments](https://paymentsnext.com/tag/mobile-payments/)
- [security](https://paymentsnext.com/tag/security/)
- [Apple Pay](https://paymentsnext.com/tag/apple-pay/)
- [contactless payments](https://paymentsnext.com/tag/contactless-payments/)
- [Google Android Pay](https://paymentsnext.com/tag/google-android-pay/)
- [Samsung Pay](https://paymentsnext.com/tag/samsung-pay/)
- [Curve](https://paymentsnext.com/tag/curve/)
- [NFC payments](https://paymentsnext.com/tag/nfc-payments/)
- [NFC](https://paymentsnext.com/tag/nfc/)
- [Pay@Pump](https://paymentsnext.com/tag/paypump/)
- [Barclaycard](https://paymentsnext.com/tag/barclaycard/)
- [iZettle](https://paymentsnext.com/tag/izettle/)
- [Klarna](https://paymentsnext.com/tag/klarna/)
- [Doreming](https://paymentsnext.com/tag/doreming/)
- [Adyen](https://paymentsnext.com/tag/adyen/)
- [Azimo](https://paymentsnext.com/tag/azimo/)
- [Flattr](https://paymentsnext.com/tag/flattr/)
- [Visa](https://paymentsnext.com/tag/visa/)
- [Mastercard](https://paymentsnext.com/tag/mastercard/)
- [EMV chip](https://paymentsnext.com/tag/emv-chip/)
- [cybercrime](https://paymentsnext.com/tag/cybercrime/)
- [cyberthreats](https://paymentsnext.com/tag/cyberthreats/)
- [Alibaba](https://paymentsnext.com/tag/alibaba/)
- [Brazil payments](https://paymentsnext.com/tag/brazil-payments/)
- [Venmo](https://paymentsnext.com/tag/venmo/)
- [PhonePe](https://paymentsnext.com/tag/phonepe/)
- [Flipkart](https://paymentsnext.com/tag/flipkart/)
- [Slovenia](https://paymentsnext.com/tag/slovenia/)
- [Slovenia e-commerce](https://paymentsnext.com/tag/slovenia-e-commerce/)
- [Citicorp](https://paymentsnext.com/tag/citicorp/)
- [Bank of America](https://paymentsnext.com/tag/bank-of-america/)
- [Kalixa Group](https://paymentsnext.com/tag/kalixa-group/)
- [Paynear](https://paymentsnext.com/tag/paynear/)
- [Freecharge](https://paymentsnext.com/tag/freecharge/)
- [Irish payments](https://paymentsnext.com/tag/irish-payments/)
- [MercadoLibre](https://paymentsnext.com/tag/mercadolibre/)
- [MercadoPago](https://paymentsnext.com/tag/mercadopago/)
- [chatbots](https://paymentsnext.com/tag/chatbots/)
- [it's kind of his pattern in black](https://paymentsnext.com/tag/its-kind-of-his-pattern-in-black/)
- [American Banker](https://paymentsnext.com/tag/american-banker/)
- [Business Insider](https://paymentsnext.com/tag/business-insider/)
- [Boku](https://paymentsnext.com/tag/boku/)
- [Akamai](https://paymentsnext.com/tag/akamai/)
- [Cyberfend](https://paymentsnext.com/tag/cyberfend/)
- [Amazon Go](https://paymentsnext.com/tag/amazon-go/)
- [will](https://paymentsnext.com/tag/will/)
- [Billentis](https://paymentsnext.com/tag/billentis/)
- [e-payments](https://paymentsnext.com/tag/e-payments/)
- [open APIs](https://paymentsnext.com/tag/open-apis/)
- [Capita](https://paymentsnext.com/tag/capita/)
- [European Commission](https://paymentsnext.com/tag/european-commission/)
- [PwC](https://paymentsnext.com/tag/pwc/)
- [McKinsey](https://paymentsnext.com/tag/mckinsey/)
- [Electronic Funds Transfer Association](https://paymentsnext.com/tag/electronic-funds-transfer-association/)
- [EFTA](https://paymentsnext.com/tag/efta/)
- [artificial intelligence](https://paymentsnext.com/tag/artificial-intelligence/)
- [NEC](https://paymentsnext.com/tag/nec/)
- [biometric payments](https://paymentsnext.com/tag/biometric-payments/)
- [payments technologies](https://paymentsnext.com/tag/payments-technologies/)
- [payment technology](https://paymentsnext.com/tag/payment-technology/)
- [payment trends](https://paymentsnext.com/tag/payment-trends/)
- [Kount](https://paymentsnext.com/tag/kount/)
- [Javelin Research](https://paymentsnext.com/tag/javelin-research/)
- [robo-advisors](https://paymentsnext.com/tag/robo-advisors/)
- [robo-services](https://paymentsnext.com/tag/robo-services/)
- [HDFC Bank](https://paymentsnext.com/tag/hdfc-bank/)
- [Facebook Messenger](https://paymentsnext.com/tag/facebook-messenger/)
- [Charles Schwab](https://paymentsnext.com/tag/charles-schwab/)
- [Schwab Intelligent Advisory](https://paymentsnext.com/tag/schwab-intelligent-advisory/)
- [Niki.ai](https://paymentsnext.com/tag/niki-ai/)
- [Secco](https://paymentsnext.com/tag/secco/)
- [Siri](https://paymentsnext.com/tag/siri/)
- [Alexa](https://paymentsnext.com/tag/alexa/)
- [Amazon](https://paymentsnext.com/tag/amazon/)
- [Google Now](https://paymentsnext.com/tag/google-now/)
- [TalkBank](https://paymentsnext.com/tag/talkbank/)
- [Kai](https://paymentsnext.com/tag/kai/)
- [banking](https://paymentsnext.com/tag/banking/)
- [financial services](https://paymentsnext.com/tag/financial-services/)
- [retail banking](https://paymentsnext.com/tag/retail-banking/)
- [outbound payments](https://paymentsnext.com/tag/outbound-payments/)
- [international payments](https://paymentsnext.com/tag/international-payments/)
- [payments trends](https://paymentsnext.com/tag/payments-trends/)
- [payments](https://paymentsnext.com/tag/payments/)
- [Earthport](https://paymentsnext.com/tag/earthport/)
- [China payments](https://paymentsnext.com/tag/china-payments/)
- [cross-border payments](https://paymentsnext.com/tag/cross-border-payments/)
- [India payments](https://paymentsnext.com/tag/india-payments/)
- [India demonetization](https://paymentsnext.com/tag/india-demonetization/)
- [AI - Artificial Intelligence](https://paymentsnext.com/tag/ai/) - Artificial Intelligence is an important component in the payments industry.
- [EMV](https://paymentsnext.com/tag/emv/)
- [online fraud](https://paymentsnext.com/tag/online-fraud/)
- [retail fraud](https://paymentsnext.com/tag/retail-fraud/)
- [restaurant chargebacks](https://paymentsnext.com/tag/restaurant-chargebacks/)
- [EMV chips](https://paymentsnext.com/tag/emv-chips/)
- [South African Banking Risk Information Centre](https://paymentsnext.com/tag/south-african-banking-risk-information-centre/)
- [SABRIC](https://paymentsnext.com/tag/sabric/)
- [Dun & Bradstreet](https://paymentsnext.com/tag/dun-bradstreet/)
- [EMV fraud prevention](https://paymentsnext.com/tag/emv-fraud-prevention/)
- [chargeback management tips](https://paymentsnext.com/tag/chargeback-management-tips/)
- [Alipay](https://paymentsnext.com/tag/alipay/)
- [Paytm](https://paymentsnext.com/tag/paytm/)
- [BHIM](https://paymentsnext.com/tag/bhim/)
- [mobile payment apps](https://paymentsnext.com/tag/mobile-payment-apps/)
- [payment apps](https://paymentsnext.com/tag/payment-apps/)
- [payments technology](https://paymentsnext.com/tag/payments-technology/)
- [WeChat](https://paymentsnext.com/tag/wechat/)
- [Tencent](https://paymentsnext.com/tag/tencent/)
- [WePay](https://paymentsnext.com/tag/wepay/)
- [iResearch](https://paymentsnext.com/tag/iresearch/)
- [Trendforce](https://paymentsnext.com/tag/trendforce/)
- [Research and Markets](https://paymentsnext.com/tag/research-and-markets/)
- [YellowPepper](https://paymentsnext.com/tag/yellowpepper/)
- [credit card declines](https://paymentsnext.com/tag/credit-card-declines/)
- [Simility](https://paymentsnext.com/tag/simility/)
- [Experian](https://paymentsnext.com/tag/experian/)
- [Oakhall](https://paymentsnext.com/tag/oakhall/)
- [Mastercard selfies](https://paymentsnext.com/tag/mastercard-selfies/)
- [biometrics](https://paymentsnext.com/tag/biometrics/)
- [Bottomline Technologies](https://paymentsnext.com/tag/bottomline-technologies/)
- [cyber crime](https://paymentsnext.com/tag/cyber-crime/)
- [Juniper Research](https://paymentsnext.com/tag/juniper-research/)
- [Javelin Strategy & Research](https://paymentsnext.com/tag/javelin-strategy-research/)
- [Honda](https://paymentsnext.com/tag/honda/)
- [USA Technologies](https://paymentsnext.com/tag/usa-technologies/)
- [Pizza Hut](https://paymentsnext.com/tag/pizza-hut/)
- [SBI Buddy](https://paymentsnext.com/tag/sbi-buddy/)
- [FitPay](https://paymentsnext.com/tag/fitpay/)
- [STMicroelectronic](https://paymentsnext.com/tag/stmicroelectronic/)
- [G&D](https://paymentsnext.com/tag/gd/)
- [International Data Corporation](https://paymentsnext.com/tag/international-data-corporation/)
- [European Payments Council](https://paymentsnext.com/tag/european-payments-council/)
- [SEPA](https://paymentsnext.com/tag/sepa/)
- [blockchain technology](https://paymentsnext.com/tag/blockchain-technology/)
- [disruptive technology](https://paymentsnext.com/tag/disruptive-technology/)
- [Morgan Stanley](https://paymentsnext.com/tag/morgan-stanley/)
- [KPMG](https://paymentsnext.com/tag/kpmg/)
- [Accenture](https://paymentsnext.com/tag/accenture/)
- [EY](https://paymentsnext.com/tag/ey/)
- [European Central Bank](https://paymentsnext.com/tag/european-central-bank/)
- [Deloitte](https://paymentsnext.com/tag/deloitte/)
- [Pillsbury Winthrop Shaw Pittman LLP](https://paymentsnext.com/tag/pillsbury-winthrop-shaw-pittman-llp/)
- [Coindesk](https://paymentsnext.com/tag/coindesk/)
- [Wall Street Clearinghouse](https://paymentsnext.com/tag/wall-street-clearinghouse/)
- [Uber](https://paymentsnext.com/tag/uber/)
- [hina payments](https://paymentsnext.com/tag/hina-payments/)
- [e-wallets](https://paymentsnext.com/tag/e-wallets/)
- [Amazon India](https://paymentsnext.com/tag/amazon-india/)
- [Capgemini](https://paymentsnext.com/tag/capgemini/)
- [Temenos](https://paymentsnext.com/tag/temenos/)
- [ChaseAadhaar](https://paymentsnext.com/tag/chaseaadhaar/)
- [Go-Jek](https://paymentsnext.com/tag/go-jek/)
- [Amazon Echo](https://paymentsnext.com/tag/amazon-echo/)
- [TD Ameritrade](https://paymentsnext.com/tag/td-ameritrade/)
- [Samsung](https://paymentsnext.com/tag/samsung/)
- [Digit](https://paymentsnext.com/tag/digit/)
- [roboadvisors](https://paymentsnext.com/tag/roboadvisors/)
- [Sweetgreen](https://paymentsnext.com/tag/sweetgreen/)
- [ClearBank](https://paymentsnext.com/tag/clearbank/)
- [chatbot](https://paymentsnext.com/tag/chatbot/)
- [Bixby](https://paymentsnext.com/tag/bixby/)
- [Miss Kaya](https://paymentsnext.com/tag/miss-kaya/)
- [payments disruption](https://paymentsnext.com/tag/payments-disruption/)
- [global payments](https://paymentsnext.com/tag/global-payments/)
- [ACI](https://paymentsnext.com/tag/aci/)
- [Chargebacks911](https://paymentsnext.com/tag/chargebacks911/)
- [TSYS](https://paymentsnext.com/tag/tsys/)
- [Ethoca](https://paymentsnext.com/tag/ethoca/)
- [B I Intelligence](https://paymentsnext.com/tag/b-i-intelligence/)
- [ParceLive](https://paymentsnext.com/tag/parcelive/)
- [Southern Rail](https://paymentsnext.com/tag/southern-rail/)
- [Recurly](https://paymentsnext.com/tag/recurly/)
- [PaymentsNEXT](https://paymentsnext.com/tag/paymentsnext/)
- [card not present](https://paymentsnext.com/tag/card-not-present/)
- [card not present fraud](https://paymentsnext.com/tag/card-not-present-fraud/)
- [ACI Worldwide](https://paymentsnext.com/tag/aci-worldwide/)
- [GoSwiff](https://paymentsnext.com/tag/goswiff/)
- [cashless payments](https://paymentsnext.com/tag/cashless-payments/)
- [banking apps](https://paymentsnext.com/tag/banking-apps/)
- [Apple](https://paymentsnext.com/tag/apple/)
- [Google](https://paymentsnext.com/tag/google/)
- [MyCheck](https://paymentsnext.com/tag/mycheck/)
- [Mastercard Labs](https://paymentsnext.com/tag/mastercard-labs/)
- [2kUZE](https://paymentsnext.com/tag/2kuze/) - By 2020 India could be using biometrics payments for all of its payments.
- [Bill and Melinda Gates Foundation](https://paymentsnext.com/tag/bill-and-melinda-gates-foundation/)
- [Allied Market Research](https://paymentsnext.com/tag/allied-market-research/)
- [demonetization](https://paymentsnext.com/tag/demonetization/)
- [payments India](https://paymentsnext.com/tag/payments-india/)
- [trumps wall](https://paymentsnext.com/tag/trumps-wall/)
- [mobile payments technology](https://paymentsnext.com/tag/mobile-payments-technology/)
- [Ant Financial Services Group](https://paymentsnext.com/tag/ant-financial-services-group/)
- [Alibaba Group](https://paymentsnext.com/tag/alibaba-group/)
- [Ant Financial](https://paymentsnext.com/tag/ant-financial/)
- [EyeVerify](https://paymentsnext.com/tag/eyeverify/)
- [MoneyGram](https://paymentsnext.com/tag/moneygram/)
- [biometrics payments](https://paymentsnext.com/tag/biometrics-payments/)
- [Ascend Group](https://paymentsnext.com/tag/ascend-group/)
- [Ascend Money](https://paymentsnext.com/tag/ascend-money/)
- [TrueMoney](https://paymentsnext.com/tag/truemoney/)
- [Ascend Nano](https://paymentsnext.com/tag/ascend-nano/)
- [Verifone](https://paymentsnext.com/tag/verifone/)
- [First Data](https://paymentsnext.com/tag/first-data/)
- [DBS Bank](https://paymentsnext.com/tag/dbs-bank/)
- [Baidu](https://paymentsnext.com/tag/baidu/)
- [identity fraud](https://paymentsnext.com/tag/identity-fraud/)
- [ID fraud](https://paymentsnext.com/tag/id-fraud/)
- [Wealthfront](https://paymentsnext.com/tag/wealthfront/)
- [Learnvest](https://paymentsnext.com/tag/learnvest/)
- [Betterment](https://paymentsnext.com/tag/betterment/)
- [Personal Capital](https://paymentsnext.com/tag/personal-capital/)
- [FutureAdvisor](https://paymentsnext.com/tag/futureadvisor/)
- [robo-advisory services](https://paymentsnext.com/tag/robo-advisory-services/)
- [Yomoni](https://paymentsnext.com/tag/yomoni/)
- [AIM](https://paymentsnext.com/tag/aim/)
- [Wealthsimple](https://paymentsnext.com/tag/wealthsimple/)
- [Schwab](https://paymentsnext.com/tag/schwab/)
- [Spectrem Group](https://paymentsnext.com/tag/spectrem-group/)
- [Nest Wealth Asset Management](https://paymentsnext.com/tag/nest-wealth-asset-management/)
- [Vanguard](https://paymentsnext.com/tag/vanguard/)
- [Dodd-Frank](https://paymentsnext.com/tag/dodd-frank/)
- [Pay with Amazon](https://paymentsnext.com/tag/pay-with-amazon/)
- [Rakuten](https://paymentsnext.com/tag/rakuten/)
- [United Payments Interface](https://paymentsnext.com/tag/united-payments-interface/)
- [she](https://paymentsnext.com/tag/she/)
- [Walnut](https://paymentsnext.com/tag/walnut/)
- [PayPal](https://paymentsnext.com/tag/paypal/)
- [Level Up](https://paymentsnext.com/tag/level-up/)
- [Amazon Payments](https://paymentsnext.com/tag/amazon-payments/)
- [Slack](https://paymentsnext.com/tag/slack/)
- [Lydia](https://paymentsnext.com/tag/lydia/)
- [SingX](https://paymentsnext.com/tag/singx/)
- [PayMe](https://paymentsnext.com/tag/payme/)
- [Chase Pay](https://paymentsnext.com/tag/chase-pay/)
- [Whole Foods](https://paymentsnext.com/tag/whole-foods/)
- [Duane Reade](https://paymentsnext.com/tag/duane-reade/)
- [Boston Retail Partners](https://paymentsnext.com/tag/boston-retail-partners/)
- [NetSpend](https://paymentsnext.com/tag/netspend/)
- [Trump2Cash](https://paymentsnext.com/tag/trump2cash/)
- [Revolut](https://paymentsnext.com/tag/revolut/)
- [Zeitgold](https://paymentsnext.com/tag/zeitgold/)
- [First Global Data](https://paymentsnext.com/tag/first-global-data/)
- [Exactuals](https://paymentsnext.com/tag/exactuals/)
- [SAG-AFTRA](https://paymentsnext.com/tag/sag-aftra/)
- [eGTCP.com](https://paymentsnext.com/tag/egtcp-com/)
- [e-commerce](https://paymentsnext.com/tag/e-commerce/)
- [Mark Zuckerberg](https://paymentsnext.com/tag/mark-zuckerberg/)
- [Jack Dorsey](https://paymentsnext.com/tag/jack-dorsey/)
- [Cashbasha](https://paymentsnext.com/tag/cashbasha/)
- [Infibeam](https://paymentsnext.com/tag/infibeam/)
- [CC Avenue](https://paymentsnext.com/tag/cc-avenue/)
- [yStats.com](https://paymentsnext.com/tag/ystats-com/)
- [JP Morgan Chase](https://paymentsnext.com/tag/jp-morgan-chase/)
- [Datablink](https://paymentsnext.com/tag/datablink/)
- [Aite Group](https://paymentsnext.com/tag/aite-group/)
- [Federal Reserve Bank of Kansas City](https://paymentsnext.com/tag/federal-reserve-bank-of-kansas-city/)
- [MerchantLink](https://paymentsnext.com/tag/merchantlink/)
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- [shimmers](https://paymentsnext.com/tag/shimmers/)
- [Jaguar](https://paymentsnext.com/tag/jaguar/)
- [Shell](https://paymentsnext.com/tag/shell/)
- [Android Pay](https://paymentsnext.com/tag/android-pay/)
- [Salesforce](https://paymentsnext.com/tag/salesforce/)
- [GFK](https://paymentsnext.com/tag/gfk/)
- [Santander](https://paymentsnext.com/tag/santander/)
- [Target](https://paymentsnext.com/tag/target/)
- [IBM](https://paymentsnext.com/tag/ibm/)
- [Watson](https://paymentsnext.com/tag/watson/)
- [Chillr](https://paymentsnext.com/tag/chillr/)
- [European Banking Authority](https://paymentsnext.com/tag/european-banking-authority/)
- [Swift](https://paymentsnext.com/tag/swift/)
- [Kakao Pay](https://paymentsnext.com/tag/kakao-pay/)
- [Mynt](https://paymentsnext.com/tag/mynt/)
- [TransferWise](https://paymentsnext.com/tag/transferwise/)
- [Snapdeal](https://paymentsnext.com/tag/snapdeal/)
- [Jio Payments](https://paymentsnext.com/tag/jio-payments/)
- [China fintech](https://paymentsnext.com/tag/china-fintech/)
- [India fintech](https://paymentsnext.com/tag/india-fintech/)
- [China payments trends](https://paymentsnext.com/tag/china-payments-trends/)
- [Indian payments trends](https://paymentsnext.com/tag/indian-payments-trends/)
- [Boston Consulting Group](https://paymentsnext.com/tag/boston-consulting-group/)
- [Bailian Group](https://paymentsnext.com/tag/bailian-group/)
- [JPMorgan](https://paymentsnext.com/tag/jpmorgan/)
- [Reserve Bank of India](https://paymentsnext.com/tag/reserve-bank-of-india/)
- [Didi](https://paymentsnext.com/tag/didi/)
- [Celent](https://paymentsnext.com/tag/celent/)
- [Forbes](https://paymentsnext.com/tag/forbes/)
- [Bloomberg](https://paymentsnext.com/tag/bloomberg/)
- [Standard Chartered Bank](https://paymentsnext.com/tag/standard-chartered-bank/)
- [Oracle](https://paymentsnext.com/tag/oracle/)
- [Payoneer](https://paymentsnext.com/tag/payoneer/)
- [Isbank](https://paymentsnext.com/tag/isbank/)
- [Paytm Mall](https://paymentsnext.com/tag/paytm-mall/)
- [Lemon Way](https://paymentsnext.com/tag/lemon-way/)
- [PPRO](https://paymentsnext.com/tag/ppro/)
- [First Data Corp](https://paymentsnext.com/tag/first-data-corp/)
- [Trustly](https://paymentsnext.com/tag/trustly/)
- [Postepay](https://paymentsnext.com/tag/postepay/)
- [Vipps](https://paymentsnext.com/tag/vipps/)
- [Payza](https://paymentsnext.com/tag/payza/)
- [Boleto](https://paymentsnext.com/tag/boleto/)
- [Peach Payments](https://paymentsnext.com/tag/peach-payments/)
- [Mastercard Masterpass](https://paymentsnext.com/tag/mastercard-masterpass/)
- [Callpay](https://paymentsnext.com/tag/callpay/)
- [Dimebox](https://paymentsnext.com/tag/dimebox/)
- [distributed ledger technology](https://paymentsnext.com/tag/distributed-ledger-technology/)
- [Textura](https://paymentsnext.com/tag/textura/)
- [ThreatMetrix](https://paymentsnext.com/tag/threatmetrix/)
- [Ripple](https://paymentsnext.com/tag/ripple/)
- [Daiwa Next Bank](https://paymentsnext.com/tag/daiwa-next-bank/)
- [Mizuho Bank](https://paymentsnext.com/tag/mizuho-bank/)
- [Nomura Trust](https://paymentsnext.com/tag/nomura-trust/)
- [Sumitomo Mitsui Trust](https://paymentsnext.com/tag/sumitomo-mitsui-trust/)
- [ORIX Bank](https://paymentsnext.com/tag/orix-bank/)
- [Federal Reserve Bank of San Francisco](https://paymentsnext.com/tag/federal-reserve-bank-of-san-francisco/)
- [McDonald's](https://paymentsnext.com/tag/mcdonalds/)
- [Disney](https://paymentsnext.com/tag/disney/)
- [Monzo](https://paymentsnext.com/tag/monzo/)
- [Google Pay](https://paymentsnext.com/tag/google-pay/)
- [Emailage](https://paymentsnext.com/tag/emailage/)
- [Nilson Report](https://paymentsnext.com/tag/nilson-report/)
- [Forter](https://paymentsnext.com/tag/forter/)
- [International Outsourcing](https://paymentsnext.com/tag/international-outsourcing/)
- [Queens](https://paymentsnext.com/tag/queens/)
- [friendly fraud](https://paymentsnext.com/tag/friendly-fraud/)
- [Euronet](https://paymentsnext.com/tag/euronet/)
- [Currencycloud](https://paymentsnext.com/tag/currencycloud/)
- [infiitium Holdings](https://paymentsnext.com/tag/infiitium-holdings/)
- [Veem](https://paymentsnext.com/tag/veem/)
- [dLocal](https://paymentsnext.com/tag/dlocal/)
- [Kerv](https://paymentsnext.com/tag/kerv/)
- [Google Ventures](https://paymentsnext.com/tag/google-ventures/)
- [Eno](https://paymentsnext.com/tag/eno/)
- [ImaginBank](https://paymentsnext.com/tag/imaginbank/)
- [BBVA Bank](https://paymentsnext.com/tag/bbva-bank/)
- [Next Insurance](https://paymentsnext.com/tag/next-insurance/)
- [Oxigen Wallet](https://paymentsnext.com/tag/oxigen-wallet/)
- [Intex Smartphones](https://paymentsnext.com/tag/intex-smartphones/)
- [Ticketgoose](https://paymentsnext.com/tag/ticketgoose/)
- [Servion Globl Solutions](https://paymentsnext.com/tag/servion-globl-solutions/)
- [challenger banks](https://paymentsnext.com/tag/challenger-banks/)
- [PaymenttsNEXT](https://paymentsnext.com/tag/paymenttsnext/)
- [Starling Bank](https://paymentsnext.com/tag/starling-bank/)
- [Current](https://paymentsnext.com/tag/current/)
- [BABB](https://paymentsnext.com/tag/babb/)
- [Atom](https://paymentsnext.com/tag/atom/)
- [Abacus](https://paymentsnext.com/tag/abacus/)
- [Exxon Mobil](https://paymentsnext.com/tag/exxon-mobil/)
- [China](https://paymentsnext.com/tag/china/)
- [Lazada](https://paymentsnext.com/tag/lazada/)
- [Ralph Lauren](https://paymentsnext.com/tag/ralph-lauren/)
- [Farfetch](https://paymentsnext.com/tag/farfetch/)
- [Yoox](https://paymentsnext.com/tag/yoox/)
- [Acculynk](https://paymentsnext.com/tag/acculynk/)
- [Egypt](https://paymentsnext.com/tag/egypt/)
- [Vietnam e-commerce](https://paymentsnext.com/tag/vietnam-e-commerce/)
- [Blik](https://paymentsnext.com/tag/blik/)
- [Splitit](https://paymentsnext.com/tag/splitit/)
- [US Bank](https://paymentsnext.com/tag/us-bank/)
- [BigCommerce](https://paymentsnext.com/tag/bigcommerce/)
- [Amazon Pay](https://paymentsnext.com/tag/amazon-pay/)
- [Glance Technologies](https://paymentsnext.com/tag/glance-technologies/)
- [payments industry news](https://paymentsnext.com/tag/payments-industry-news/)
- [Association of Certified Fraud Examiners](https://paymentsnext.com/tag/association-of-certified-fraud-examiners/)
- [XOR Data Exchange](https://paymentsnext.com/tag/xor-data-exchange/)
- [dark web](https://paymentsnext.com/tag/dark-web/)
- [Payment21](https://paymentsnext.com/tag/payment21/)
- [Pinpoint Intelligence](https://paymentsnext.com/tag/pinpoint-intelligence/)
- [identity theft](https://paymentsnext.com/tag/identity-theft/)
- [Visa US](https://paymentsnext.com/tag/visa-us/)
- [Souq.com](https://paymentsnext.com/tag/souq-com/)
- [Brexit](https://paymentsnext.com/tag/brexit/)
- [Square](https://paymentsnext.com/tag/square/)
- [BaaS](https://paymentsnext.com/tag/baas/)
- [PayFort](https://paymentsnext.com/tag/payfort/)
- [Creditcall](https://paymentsnext.com/tag/creditcall/)
- [Credorax](https://paymentsnext.com/tag/credorax/)
- [DHL](https://paymentsnext.com/tag/dhl/)
- [Finnovista](https://paymentsnext.com/tag/finnovista/)
- [Robinhood](https://paymentsnext.com/tag/robinhood/)
- [Ledger](https://paymentsnext.com/tag/ledger/)
- [Starbucks](https://paymentsnext.com/tag/starbucks/)
- [Metromile](https://paymentsnext.com/tag/metromile/)
- [bots](https://paymentsnext.com/tag/bots/)
- [CaixaBank](https://paymentsnext.com/tag/caixabank/)
- [Amazon Cash](https://paymentsnext.com/tag/amazon-cash/)
- [techfin](https://paymentsnext.com/tag/techfin/)
- [WhatsApp](https://paymentsnext.com/tag/whatsapp/)
- [ANZ Bank group](https://paymentsnext.com/tag/anz-bank-group/)
- [Wyre](https://paymentsnext.com/tag/wyre/)
- [Remitsy](https://paymentsnext.com/tag/remitsy/)
- [this isFlatrr](https://paymentsnext.com/tag/this-isflatrr/)
- [AdBlock](https://paymentsnext.com/tag/adblock/)
- [Bic Cameras](https://paymentsnext.com/tag/bic-cameras/)
- [Wealthdunk](https://paymentsnext.com/tag/wealthdunk/)
- [robo-advisors this](https://paymentsnext.com/tag/robo-advisors-this/)
- [Coachella](https://paymentsnext.com/tag/coachella/)
- [Kik](https://paymentsnext.com/tag/kik/)
- [Airbnb](https://paymentsnext.com/tag/airbnb/)
- [Dunkin Donuts](https://paymentsnext.com/tag/dunkin-donuts/)
- [Western Union](https://paymentsnext.com/tag/western-union/)
- [Ola Money](https://paymentsnext.com/tag/ola-money/)
- [Oyo](https://paymentsnext.com/tag/oyo/)
- [SchoolCafe](https://paymentsnext.com/tag/schoolcafe/)
- [Forrester](https://paymentsnext.com/tag/forrester/)
- [data security](https://paymentsnext.com/tag/data-security/)
- [BioCatch](https://paymentsnext.com/tag/biocatch/)
- [Genpact](https://paymentsnext.com/tag/genpact/)
- [Scottrade](https://paymentsnext.com/tag/scottrade/)
- [Anthem](https://paymentsnext.com/tag/anthem/)
- [Wonga](https://paymentsnext.com/tag/wonga/)
- [GameStop](https://paymentsnext.com/tag/gamestop/)
- [FICO](https://paymentsnext.com/tag/fico/)
- [ATM fraud](https://paymentsnext.com/tag/atm-fraud/)
- [data breaches](https://paymentsnext.com/tag/data-breaches/)
- [Financial Fraud Action UK](https://paymentsnext.com/tag/financial-fraud-action-uk/)
- [Endor](https://paymentsnext.com/tag/endor/)
- [Divido](https://paymentsnext.com/tag/divido/)
- [Regalii](https://paymentsnext.com/tag/regalii/)
- [Cisco](https://paymentsnext.com/tag/cisco/)
- [Gartner](https://paymentsnext.com/tag/gartner/)
- [Econsultancy](https://paymentsnext.com/tag/econsultancy/)
- [Adobe](https://paymentsnext.com/tag/adobe/)
- [Chip](https://paymentsnext.com/tag/chip/)
- [Aspect Software](https://paymentsnext.com/tag/aspect-software/)
- [Fluid AI](https://paymentsnext.com/tag/fluid-ai/)
- [NetPlusDotCom](https://paymentsnext.com/tag/netplusdotcom/)
- [Emma](https://paymentsnext.com/tag/emma/)
- [OCBC Bank](https://paymentsnext.com/tag/ocbc-bank/)
- [Facebook payments](https://paymentsnext.com/tag/facebook-payments/)
- [Emtek](https://paymentsnext.com/tag/emtek/)
- [Razorpay](https://paymentsnext.com/tag/razorpay/)
- [K-Bank](https://paymentsnext.com/tag/k-bank/)
- [retail payments](https://paymentsnext.com/tag/retail-payments/)
- [Zynstra](https://paymentsnext.com/tag/zynstra/)
- [GPShopper](https://paymentsnext.com/tag/gpshopper/)
- [ViaTouch](https://paymentsnext.com/tag/viatouch/)
- [Zebras Technologies](https://paymentsnext.com/tag/zebras-technologies/)
- [POS payments](https://paymentsnext.com/tag/pos-payments/)
- [ACH](https://paymentsnext.com/tag/ach/)
- [NACHA](https://paymentsnext.com/tag/nacha/)
- [O-tailers](https://paymentsnext.com/tag/o-tailers/)
- [omni-channel](https://paymentsnext.com/tag/omni-channel/)
- [ABN AMRO](https://paymentsnext.com/tag/abn-amro/)
- [ASN Bank](https://paymentsnext.com/tag/asn-bank/)
- [Rabobank](https://paymentsnext.com/tag/rabobank/)
- [Regiobank](https://paymentsnext.com/tag/regiobank/)
- [SNS](https://paymentsnext.com/tag/sns/)
- [Payconiq](https://paymentsnext.com/tag/payconiq/)
- [MasterPass](https://paymentsnext.com/tag/masterpass/)
- [helloPay](https://paymentsnext.com/tag/hellopay/)
- [Mizuho Financial Group](https://paymentsnext.com/tag/mizuho-financial-group/)
- [Metaps](https://paymentsnext.com/tag/metaps/)
- [WiL](https://paymentsnext.com/tag/wil/)
- [M Wallet](https://paymentsnext.com/tag/m-wallet/)
- [fintech news](https://paymentsnext.com/tag/fintech-news/)
- [Lyft](https://paymentsnext.com/tag/lyft/)
- [Validated](https://paymentsnext.com/tag/validated/)
- [WeChat Pay](https://paymentsnext.com/tag/wechat-pay/)
- [BitMaker](https://paymentsnext.com/tag/bitmaker/)
- [LevelUp](https://paymentsnext.com/tag/levelup/)
- [mBank](https://paymentsnext.com/tag/mbank/)
- [Transactis](https://paymentsnext.com/tag/transactis/)
- [BillerIQ](https://paymentsnext.com/tag/billeriq/)
- [Walletron](https://paymentsnext.com/tag/walletron/)
- [LendEdu](https://paymentsnext.com/tag/lendedu/)
- [beacons](https://paymentsnext.com/tag/beacons/)
- [Verifi](https://paymentsnext.com/tag/verifi/)
- [data breach](https://paymentsnext.com/tag/data-breach/)
- [Gemalto](https://paymentsnext.com/tag/gemalto/)
- [Simple](https://paymentsnext.com/tag/simple/)
- [Financial Conduct Authority](https://paymentsnext.com/tag/financial-conduct-authority/)
- [InterContinental Hotels](https://paymentsnext.com/tag/intercontinental-hotels/)
- [cyberattacks](https://paymentsnext.com/tag/cyberattacks/)
- [behavioural biometrics](https://paymentsnext.com/tag/behavioural-biometrics/)
- [IRS](https://paymentsnext.com/tag/irs/)
- [UN Better than Cash Alliance](https://paymentsnext.com/tag/un-better-than-cash-alliance/)
- [Persistence Market Research](https://paymentsnext.com/tag/persistence-market-research/)
- [peer-to-peer payments](https://paymentsnext.com/tag/peer-to-peer-payments/)
- [digital payments](https://paymentsnext.com/tag/digital-payments/)
- [ppayments industry](https://paymentsnext.com/tag/ppayments-industry/)
- [Paytm Digital Gold](https://paymentsnext.com/tag/paytm-digital-gold/)
- [Apexx](https://paymentsnext.com/tag/apexx/)
- [FIS](https://paymentsnext.com/tag/fis/)
- [The Clearing House Payments Company](https://paymentsnext.com/tag/the-clearing-house-payments-company/)
- [Softbank](https://paymentsnext.com/tag/softbank/)
- [Snapay](https://paymentsnext.com/tag/snapay/)
- [Orange](https://paymentsnext.com/tag/orange/)
- [unbanked](https://paymentsnext.com/tag/unbanked/)
- [payments trrends](https://paymentsnext.com/tag/payments-trrends/)
- [Flux](https://paymentsnext.com/tag/flux/)
- [Au Bon Pain](https://paymentsnext.com/tag/au-bon-pain/)
- [Chick-fil-A](https://paymentsnext.com/tag/chick-fil-a/)
- [ATMIA](https://paymentsnext.com/tag/atmia/)
- [ATM Industry Association](https://paymentsnext.com/tag/atm-industry-association/)
- [ATB Financial](https://paymentsnext.com/tag/atb-financial/)
- [Pepper](https://paymentsnext.com/tag/pepper/)
- [mobile order and pay](https://paymentsnext.com/tag/mobile-order-and-pay/)
- [payments fraud research](https://paymentsnext.com/tag/payments-fraud-research/)
- [cybercrime research](https://paymentsnext.com/tag/cybercrime-research/)
- [bot fraud](https://paymentsnext.com/tag/bot-fraud/)
- [account login fraud](https://paymentsnext.com/tag/account-login-fraud/)
- [cybercrime report](https://paymentsnext.com/tag/cybercrime-report/)
- [spoofing attacks](https://paymentsnext.com/tag/spoofing-attacks/)
- [device spoofing](https://paymentsnext.com/tag/device-spoofing/)
- [fintech fraud](https://paymentsnext.com/tag/fintech-fraud/)
- [fraud attacks](https://paymentsnext.com/tag/fraud-attacks/)
- [mobile fraud](https://paymentsnext.com/tag/mobile-fraud/)
- [mobile payments fraud](https://paymentsnext.com/tag/mobile-payments-fraud/)
- [insurance fraud](https://paymentsnext.com/tag/insurance-fraud/)
- [bot attacks](https://paymentsnext.com/tag/bot-attacks/)
- [cybercrime future](https://paymentsnext.com/tag/cybercrime-future/)
- [biometrics authentication](https://paymentsnext.com/tag/biometrics-authentication/)
- [biometrics banking](https://paymentsnext.com/tag/biometrics-banking/)
- [Mastercard biometrics](https://paymentsnext.com/tag/mastercard-biometrics/)
- [visa biometrics](https://paymentsnext.com/tag/visa-biometrics/)
- [credit card biometrics](https://paymentsnext.com/tag/credit-card-biometrics/)
- [Equifax](https://paymentsnext.com/tag/equifax/)
- [National Business Research Institute](https://paymentsnext.com/tag/national-business-research-institute/)
- [wearable technology payments](https://paymentsnext.com/tag/wearable-technology-payments/)
- [fingerprint readers](https://paymentsnext.com/tag/fingerprint-readers/)
- [Nuance](https://paymentsnext.com/tag/nuance/)
- [Triodos](https://paymentsnext.com/tag/triodos/)
- [Coconut](https://paymentsnext.com/tag/coconut/)
- [Atom. DiPocket](https://paymentsnext.com/tag/atom-dipocket/)
- [Empower](https://paymentsnext.com/tag/empower/)
- [Tandem](https://paymentsnext.com/tag/tandem/)
- [Android Pay. Starling Bank](https://paymentsnext.com/tag/android-pay-starling-bank/)
- [mmobile payments](https://paymentsnext.com/tag/mmobile-payments/)
- [mobile payments research](https://paymentsnext.com/tag/mobile-payments-research/)
- [EU Competition Commission](https://paymentsnext.com/tag/eu-competition-commission/)
- [SingPost](https://paymentsnext.com/tag/singpost/)
- [Frost & Sullivan](https://paymentsnext.com/tag/frost-sullivan/)
- [Valitor](https://paymentsnext.com/tag/valitor/)
- [IPSLtd](https://paymentsnext.com/tag/ipsltd/)
- [AltaPay](https://paymentsnext.com/tag/altapay/)
- [Coupang](https://paymentsnext.com/tag/coupang/)
- [Darussalam.pk](https://paymentsnext.com/tag/darussalam-pk/)
- [Grofers](https://paymentsnext.com/tag/grofers/)
- [e commerce payments](https://paymentsnext.com/tag/e-commerce-payments/)
- [fintech banking](https://paymentsnext.com/tag/fintech-banking/)
- [IFC](https://paymentsnext.com/tag/ifc/)
- [Moni](https://paymentsnext.com/tag/moni/)
- [Bond Dickinson](https://paymentsnext.com/tag/bond-dickinson/)
- [underbanked](https://paymentsnext.com/tag/underbanked/)
- [TechCrunch](https://paymentsnext.com/tag/techcrunch/)
- [insuretech](https://paymentsnext.com/tag/insuretech/)
- [suptech](https://paymentsnext.com/tag/suptech/)
- [regtech](https://paymentsnext.com/tag/regtech/)
- [Airwallex](https://paymentsnext.com/tag/airwallex/)
- [First Circle](https://paymentsnext.com/tag/first-circle/)
- [Openpay](https://paymentsnext.com/tag/openpay/)
- [BBVA Bancom](https://paymentsnext.com/tag/bbva-bancom/)
- [Central Bank of Bahrain](https://paymentsnext.com/tag/central-bank-of-bahrain/)
- [WEF](https://paymentsnext.com/tag/wef/)
- [TROY](https://paymentsnext.com/tag/troy/)
- [Lock Trust](https://paymentsnext.com/tag/lock-trust/)
- [AIOVA](https://paymentsnext.com/tag/aiova/)
- [One Hour Translation](https://paymentsnext.com/tag/one-hour-translation/)
- [PSD2](https://paymentsnext.com/tag/psd2/)
- [or payments industry](https://paymentsnext.com/tag/or-payments-industry/)
- [payments research](https://paymentsnext.com/tag/payments-research/)
- [payments news](https://paymentsnext.com/tag/payments-news/)
- [cryptocurrencies](https://paymentsnext.com/tag/cryptocurrencies/)
- [Ethereum](https://paymentsnext.com/tag/ethereum/)
- [Countr](https://paymentsnext.com/tag/countr/)
- [Coinify](https://paymentsnext.com/tag/coinify/)
- [Ulmart](https://paymentsnext.com/tag/ulmart/)
- [Litecoin](https://paymentsnext.com/tag/litecoin/)
- [Bank of England](https://paymentsnext.com/tag/bank-of-england/)
- [Inspirasha](https://paymentsnext.com/tag/inspirasha/)
- [Qiwi](https://paymentsnext.com/tag/qiwi/)
- [Dash](https://paymentsnext.com/tag/dash/)
- [Mondeo](https://paymentsnext.com/tag/mondeo/)
- [Rooam](https://paymentsnext.com/tag/rooam/)
- [Zonal](https://paymentsnext.com/tag/zonal/)
- [Telegram](https://paymentsnext.com/tag/telegram/)
- [DC Taxis](https://paymentsnext.com/tag/dc-taxis/)
- [AnyWhere Flow-Thru Locker](https://paymentsnext.com/tag/anywhere-flow-thru-locker/)
- [State Bank of India](https://paymentsnext.com/tag/state-bank-of-india/)
- [cross-border e-commerce](https://paymentsnext.com/tag/cross-border-e-commerce/)
- [Ingenico](https://paymentsnext.com/tag/ingenico/)
- [Ingenico Group](https://paymentsnext.com/tag/ingenico-group/)
- [Ingenico ePayments](https://paymentsnext.com/tag/ingenico-epayments/)
- [e-commerce payments trends](https://paymentsnext.com/tag/e-commerce-payments-trends/)
- [e-commerce payments research](https://paymentsnext.com/tag/e-commerce-payments-research/)
- [global payments trends](https://paymentsnext.com/tag/global-payments-trends/)
- [EU Payment Services Directive](https://paymentsnext.com/tag/eu-payment-services-directive/)
- [Four Corners of Global Payments](https://paymentsnext.com/tag/four-corners-of-global-payments/)
- [Wirecard](https://paymentsnext.com/tag/wirecard/)
- [Yahoo](https://paymentsnext.com/tag/yahoo/)
- [WorldpayPayU](https://paymentsnext.com/tag/worldpaypayu/)
- [Financial Choice Act](https://paymentsnext.com/tag/financial-choice-act/)
- [Paytm Payments Bank](https://paymentsnext.com/tag/paytm-payments-bank/)
- [Trade Me](https://paymentsnext.com/tag/trade-me/)
- [Upstream Commerce](https://paymentsnext.com/tag/upstream-commerce/)
- [Barclays](https://paymentsnext.com/tag/barclays/)
- [CREALOGIX](https://paymentsnext.com/tag/crealogix/)
- [Julius Baer](https://paymentsnext.com/tag/julius-baer/)
- [Venture Scanner](https://paymentsnext.com/tag/venture-scanner/)
- [Ethereuxm](https://paymentsnext.com/tag/ethereuxm/)
- [Hyundai](https://paymentsnext.com/tag/hyundai/)
- [Apadmi](https://paymentsnext.com/tag/apadmi/)
- [Shopify](https://paymentsnext.com/tag/shopify/)
- [global payment news](https://paymentsnext.com/tag/global-payment-news/)
- [Canada Post](https://paymentsnext.com/tag/canada-post/)
- [Walmart](https://paymentsnext.com/tag/walmart/)
- [cryptocurrency](https://paymentsnext.com/tag/cryptocurrency/)
- [bitcoin news](https://paymentsnext.com/tag/bitcoin-news/)
- [CIBC](https://paymentsnext.com/tag/cibc/)
- [Square Cash](https://paymentsnext.com/tag/square-cash/)
- [Grant Thornton](https://paymentsnext.com/tag/grant-thornton/)
- [impak Finance](https://paymentsnext.com/tag/impak-finance/)
- [W$T](https://paymentsnext.com/tag/wt/)
- [TAS](https://paymentsnext.com/tag/tas/)
- [Prime Reload](https://paymentsnext.com/tag/prime-reload/)
- [Euromoney](https://paymentsnext.com/tag/euromoney/)
- [Vyze](https://paymentsnext.com/tag/vyze/)
- [SoFi](https://paymentsnext.com/tag/sofi/)
- [Mobikwik](https://paymentsnext.com/tag/mobikwik/)
- [Circle](https://paymentsnext.com/tag/circle/)
- [mobile fraud research](https://paymentsnext.com/tag/mobile-fraud-research/)
- [mobile fraud report](https://paymentsnext.com/tag/mobile-fraud-report/)
- [fraud prevention](https://paymentsnext.com/tag/fraud-prevention/)
- [fraud management](https://paymentsnext.com/tag/fraud-management/)
- [Dankort](https://paymentsnext.com/tag/dankort/)
- [Worldpay](https://paymentsnext.com/tag/worldpay/)
- [Final](https://paymentsnext.com/tag/final/)
- [Hike Wallet](https://paymentsnext.com/tag/hike-wallet/)
- [Vindi](https://paymentsnext.com/tag/vindi/)
- [Smartbill](https://paymentsnext.com/tag/smartbill/)
- [Finastra](https://paymentsnext.com/tag/finastra/)
- [IMF](https://paymentsnext.com/tag/imf/)
- [Fintech Friday](https://paymentsnext.com/tag/fintech-friday/)
- [Felica](https://paymentsnext.com/tag/felica/)
- [Sony](https://paymentsnext.com/tag/sony/)
- [cryptocurrency news](https://paymentsnext.com/tag/cryptocurrency-news/)
- [Aberdeen Asset Management](https://paymentsnext.com/tag/aberdeen-asset-management/)
- [AvaTrade](https://paymentsnext.com/tag/avatrade/)
- [Bitinka](https://paymentsnext.com/tag/bitinka/)
- [Inkapay](https://paymentsnext.com/tag/inkapay/)
- [digital currencies](https://paymentsnext.com/tag/digital-currencies/)
- [Cryptocoinnews.com](https://paymentsnext.com/tag/cryptocoinnews-com/)
- [Flywire](https://paymentsnext.com/tag/flywire/)
- [JCB](https://paymentsnext.com/tag/jcb/)
- [Yoyo Wallet](https://paymentsnext.com/tag/yoyo-wallet/)
- [FirstData](https://paymentsnext.com/tag/firstdata/)
- [Hike](https://paymentsnext.com/tag/hike/)
- [Punchh](https://paymentsnext.com/tag/punchh/)
- [MoneyNetINT](https://paymentsnext.com/tag/moneynetint/)
- [payments apps](https://paymentsnext.com/tag/payments-apps/)
- [Jio Money](https://paymentsnext.com/tag/jio-money/)
- [Watch2Pay](https://paymentsnext.com/tag/watch2pay/)
- [LAKS](https://paymentsnext.com/tag/laks/)
- [ItzCash](https://paymentsnext.com/tag/itzcash/)
- [PayNow](https://paymentsnext.com/tag/paynow/)
- [Swiss Rail](https://paymentsnext.com/tag/swiss-rail/)
- [ATM](https://paymentsnext.com/tag/atm/)
- [Toast](https://paymentsnext.com/tag/toast/)
- [Quilt](https://paymentsnext.com/tag/quilt/)
- [Kensho](https://paymentsnext.com/tag/kensho/)
- [Warply](https://paymentsnext.com/tag/warply/)
- [InstaRem](https://paymentsnext.com/tag/instarem/)
- [Kakao](https://paymentsnext.com/tag/kakao/)
- [TransferTo](https://paymentsnext.com/tag/transferto/)
- [Payscout](https://paymentsnext.com/tag/payscout/)
- [British Bankers Association](https://paymentsnext.com/tag/british-bankers-association/)
- [eMarketer](https://paymentsnext.com/tag/emarketer/)
- [PPRO Financial Ltd](https://paymentsnext.com/tag/ppro-financial-ltd/)
- [e-commerce news](https://paymentsnext.com/tag/e-commerce-news/)
- [Vantiv](https://paymentsnext.com/tag/vantiv/)
- [LG Pay](https://paymentsnext.com/tag/lg-pay/)
- [Microsoft](https://paymentsnext.com/tag/microsoft/)
- [CardConnect](https://paymentsnext.com/tag/cardconnect/)
- [Ally Bank](https://paymentsnext.com/tag/ally-bank/)
- [Interswith](https://paymentsnext.com/tag/interswith/)
- [Face++](https://paymentsnext.com/tag/face/)
- [payment-by-face](https://paymentsnext.com/tag/payment-by-face/)
- [Loot](https://paymentsnext.com/tag/loot/)
- [eBay](https://paymentsnext.com/tag/ebay/)
- [Transport for London](https://paymentsnext.com/tag/transport-for-london/)
- [POPiN](https://paymentsnext.com/tag/popin/)
- [EasyPark Find &Pay app](https://paymentsnext.com/tag/easypark-find-pay-app/)
- [Stripe](https://paymentsnext.com/tag/stripe/)
- [Tencnt](https://paymentsnext.com/tag/tencnt/)
- [Overseas Bank's PayNow app](https://paymentsnext.com/tag/overseas-banks-paynow-app/)
- [financial paymets](https://paymentsnext.com/tag/financial-paymets/)
- [mobile payments apps](https://paymentsnext.com/tag/mobile-payments-apps/)
- [WhatsApp TrueCaller and Amazon](https://paymentsnext.com/tag/whatsapp-truecaller-and-amazon/)
- [Quatrro BPO](https://paymentsnext.com/tag/quatrro-bpo/)
- [Boston Consulting](https://paymentsnext.com/tag/boston-consulting/)
- [Eftpos](https://paymentsnext.com/tag/eftpos/)
- [Mobile payments news](https://paymentsnext.com/tag/mobile-payments-news/)
- [Payments next](https://paymentsnext.com/tag/payments-next/)
- [PayPal/Apple](https://paymentsnext.com/tag/paypalapple/)
- [PayMob](https://paymentsnext.com/tag/paymob/)
- [Deutsche Bank](https://paymentsnext.com/tag/deutsche-bank/)
- [KBC](https://paymentsnext.com/tag/kbc/)
- [cybersecurity](https://paymentsnext.com/tag/cybersecurity/)
- [online payment fraud](https://paymentsnext.com/tag/online-payment-fraud/)
- [payments security](https://paymentsnext.com/tag/payments-security/)
- [LastPass](https://paymentsnext.com/tag/lastpass/)
- [Cybersecurity Ventures](https://paymentsnext.com/tag/cybersecurity-ventures/)
- [Finder.com.au](https://paymentsnext.com/tag/finder-com-au/)
- [LEXIS-NEXIS](https://paymentsnext.com/tag/lexis-nexis/)
- [Symantec](https://paymentsnext.com/tag/symantec/)
- [Javelin Strategy and Research](https://paymentsnext.com/tag/javelin-strategy-and-research/)
- [DoNotPay](https://paymentsnext.com/tag/donotpay/)
- [chatbot lawyer](https://paymentsnext.com/tag/chatbot-lawyer/)
- [false positives](https://paymentsnext.com/tag/false-positives/)
- [NordVPN](https://paymentsnext.com/tag/nordvpn/)
- [artificial intelligence lawyer](https://paymentsnext.com/tag/artificial-intelligence-lawyer/)
- [cybersecurity news](https://paymentsnext.com/tag/cybersecurity-news/)
- [investFeed](https://paymentsnext.com/tag/investfeed/)
- [SBI Ripple](https://paymentsnext.com/tag/sbi-ripple/)
- [Coinmarketcap](https://paymentsnext.com/tag/coinmarketcap/)
- [Bitcart](https://paymentsnext.com/tag/bitcart/)
- [Festy](https://paymentsnext.com/tag/festy/)
- [wearable payments](https://paymentsnext.com/tag/wearable-payments/)
- [Falcon Group](https://paymentsnext.com/tag/falcon-group/)
- [Bitcoin Suisse](https://paymentsnext.com/tag/bitcoin-suisse/)
- [SatoshiPay](https://paymentsnext.com/tag/satoshipay/)
- [IOTA Foundation](https://paymentsnext.com/tag/iota-foundation/)
- [Amazon app](https://paymentsnext.com/tag/amazon-app/)
- [QR codes](https://paymentsnext.com/tag/qr-codes/)
- [Facebook Messenger bot](https://paymentsnext.com/tag/facebook-messenger-bot/)
- [TGI Fridays](https://paymentsnext.com/tag/tgi-fridays/)
- [payments banks](https://paymentsnext.com/tag/payments-banks/)
- [Ether](https://paymentsnext.com/tag/ether/)
- [Swatch](https://paymentsnext.com/tag/swatch/)
- [P2P](https://paymentsnext.com/tag/p2p/)
- [near field communications](https://paymentsnext.com/tag/near-field-communications/)
- [Swatch Pay](https://paymentsnext.com/tag/swatch-pay/)
- [Three Square Market](https://paymentsnext.com/tag/three-square-market/)
- [chip implants](https://paymentsnext.com/tag/chip-implants/)
- [RFID](https://paymentsnext.com/tag/rfid/)
- [TSB Bank](https://paymentsnext.com/tag/tsb-bank/)
- [3Cinteractive](https://paymentsnext.com/tag/3cinteractive/)
- [are biometrics the next big thing in payments](https://paymentsnext.com/tag/are-biometrics-the-next-big-thing-in-payments/)
- [Bitcoin Cash](https://paymentsnext.com/tag/bitcoin-cash/)
- [cryptocurrency fraud](https://paymentsnext.com/tag/cryptocurrency-fraud/)
- [cryptocurrency security](https://paymentsnext.com/tag/cryptocurrency-security/)
- [cryptocurrency regulations](https://paymentsnext.com/tag/cryptocurrency-regulations/)
- [ICO](https://paymentsnext.com/tag/ico/)
- [ICOs](https://paymentsnext.com/tag/icos/)
- [SEC](https://paymentsnext.com/tag/sec/)
- [Securities and Exchange Bank of India](https://paymentsnext.com/tag/securities-and-exchange-bank-of-india/)
- [Howard Marks](https://paymentsnext.com/tag/howard-marks/)
- [Oaktree Capital](https://paymentsnext.com/tag/oaktree-capital/)
- [Funding Circle](https://paymentsnext.com/tag/funding-circle/)
- [solarisBank](https://paymentsnext.com/tag/solarisbank/)
- [Ottonova](https://paymentsnext.com/tag/ottonova/)
- [ShapeShift](https://paymentsnext.com/tag/shapeshift/)
- [Advanon](https://paymentsnext.com/tag/advanon/)
- [VC](https://paymentsnext.com/tag/vc/)
- [venture capital](https://paymentsnext.com/tag/venture-capital/)
- [500 Ventures](https://paymentsnext.com/tag/500-ventures/)
- [New Enterprise Associates](https://paymentsnext.com/tag/new-enterprise-associates/)
- [Index Ventures](https://paymentsnext.com/tag/index-ventures/)
- [Ribbit Capital](https://paymentsnext.com/tag/ribbit-capital/)
- [Union Square Ventures](https://paymentsnext.com/tag/union-square-ventures/)
- [Khosla Ventures](https://paymentsnext.com/tag/khosla-ventures/)
- [QED Capital](https://paymentsnext.com/tag/qed-capital/)
- [Bain Capital Ventures](https://paymentsnext.com/tag/bain-capital-ventures/)
- [General Catalyst](https://paymentsnext.com/tag/general-catalyst/)
- [CB Insight](https://paymentsnext.com/tag/cb-insight/)
- [fintech unicorns](https://paymentsnext.com/tag/fintech-unicorns/)
- [Namely](https://paymentsnext.com/tag/namely/)
- [Upstart](https://paymentsnext.com/tag/upstart/)
- [Tala](https://paymentsnext.com/tag/tala/)
- [Trumid](https://paymentsnext.com/tag/trumid/)
- [Canopy](https://paymentsnext.com/tag/canopy/)
- [PayFone](https://paymentsnext.com/tag/payfone/)
- [PayNearMe](https://paymentsnext.com/tag/paynearme/)
- [SpeedInvest](https://paymentsnext.com/tag/speedinvest/)
- [Holtzbrinck Ventures](https://paymentsnext.com/tag/holtzbrinck-ventures/)
- [Global Founders Capital](https://paymentsnext.com/tag/global-founders-capital/)
- [Dieter von Holtzbrinck Ventures](https://paymentsnext.com/tag/dieter-von-holtzbrinck-ventures/)
- [SeedCamp](https://paymentsnext.com/tag/seedcamp/)
- [cryptocurrency ICOs](https://paymentsnext.com/tag/cryptocurrency-icos/)
- [initial coin offerings](https://paymentsnext.com/tag/initial-coin-offerings/)
- [SEC and ICOs](https://paymentsnext.com/tag/sec-and-icos/)
- [BTC-e](https://paymentsnext.com/tag/btc-e/)
- [Nasdaq Stockholm](https://paymentsnext.com/tag/nasdaq-stockholm/)
- [XBT Provider AB](https://paymentsnext.com/tag/xbt-provider-ab/)
- [bitcoin regulations](https://paymentsnext.com/tag/bitcoin-regulations/)
- [Etherium Alliance](https://paymentsnext.com/tag/etherium-alliance/)
- [ConsenSys](https://paymentsnext.com/tag/consensys/)
- [cryptocurrency guide](https://paymentsnext.com/tag/cryptocurrency-guide/)
- [cryptocurrency wallet](https://paymentsnext.com/tag/cryptocurrency-wallet/)
- [Karbon](https://paymentsnext.com/tag/karbon/)
- [Marqueta](https://paymentsnext.com/tag/marqueta/)
- [Worldline](https://paymentsnext.com/tag/worldline/)
- [f intech](https://paymentsnext.com/tag/f-intech/)
- [Zelle](https://paymentsnext.com/tag/zelle/)
- [LedgerX](https://paymentsnext.com/tag/ledgerx/)
- [Gemini](https://paymentsnext.com/tag/gemini/)
- [prediction markets](https://paymentsnext.com/tag/prediction-markets/)
- [bitcoin mining](https://paymentsnext.com/tag/bitcoin-mining/)
- [cryptocurrency derivatives](https://paymentsnext.com/tag/cryptocurrency-derivatives/)
- [altcoin](https://paymentsnext.com/tag/altcoin/)
- [Etherreum](https://paymentsnext.com/tag/etherreum/)
- [cryptocurrency market cap](https://paymentsnext.com/tag/cryptocurrency-market-cap/)
- [fintech news: VCs](https://paymentsnext.com/tag/fintech-news-vcs/)
- [Dianrong](https://paymentsnext.com/tag/dianrong/)
- [TNG FinTech](https://paymentsnext.com/tag/tng-fintech/)
- [Bread](https://paymentsnext.com/tag/bread/)
- [Jiffy](https://paymentsnext.com/tag/jiffy/)
- [Singapore Fintech Association](https://paymentsnext.com/tag/singapore-fintech-association/)
- [US fintech investment](https://paymentsnext.com/tag/us-fintech-investment/)
- [US e-commerce](https://paymentsnext.com/tag/us-e-commerce/)
- [Paysafe](https://paymentsnext.com/tag/paysafe/)
- [UnionPay](https://paymentsnext.com/tag/unionpay/)
- [Kenya Commercial Bank](https://paymentsnext.com/tag/kenya-commercial-bank/)
- [Temasek](https://paymentsnext.com/tag/temasek/)
- [ICO Tracker](https://paymentsnext.com/tag/ico-tracker/)
- [Stox](https://paymentsnext.com/tag/stox/)
- [hedge funds](https://paymentsnext.com/tag/hedge-funds/)
- [Filecoin](https://paymentsnext.com/tag/filecoin/)
- [global payments news](https://paymentsnext.com/tag/global-payments-news/)
- [Marriott](https://paymentsnext.com/tag/marriott/)
- [JD.com](https://paymentsnext.com/tag/jd-com/)
- [Disrupt Africa](https://paymentsnext.com/tag/disrupt-africa/)
- [Pi Pay](https://paymentsnext.com/tag/pi-pay/)
- [Pymnts.com](https://paymentsnext.com/tag/pymnts-com/)
- [Bitcoin markets](https://paymentsnext.com/tag/bitcoin-markets/)
- [Fidelity](https://paymentsnext.com/tag/fidelity/)
- [Cofound.it](https://paymentsnext.com/tag/cofound-it/)
- [cryptocurrency trends](https://paymentsnext.com/tag/cryptocurrency-trends/)
- [CoinTelegraph](https://paymentsnext.com/tag/cointelegraph/)
- [Trustnodes](https://paymentsnext.com/tag/trustnodes/)
- [NEO](https://paymentsnext.com/tag/neo/)
- [Fellow Finance](https://paymentsnext.com/tag/fellow-finance/)
- [RailsBank](https://paymentsnext.com/tag/railsbank/)
- [Sberbank](https://paymentsnext.com/tag/sberbank/)
- [TransferMate](https://paymentsnext.com/tag/transfermate/)
- [Lending Club](https://paymentsnext.com/tag/lending-club/)
- [US payments](https://paymentsnext.com/tag/us-payments/)
- [BBVA](https://paymentsnext.com/tag/bbva/)
- [Corda](https://paymentsnext.com/tag/corda/)
- [Socure](https://paymentsnext.com/tag/socure/)
- [Zalo Pay](https://paymentsnext.com/tag/zalo-pay/)
- [The Selfie Store by Mark](https://paymentsnext.com/tag/the-selfie-store-by-mark/)
- [Altcoins](https://paymentsnext.com/tag/altcoins/)
- [TenX](https://paymentsnext.com/tag/tenx/)
- [Coinbase](https://paymentsnext.com/tag/coinbase/)
- [Digital Developer Fund](https://paymentsnext.com/tag/digital-developer-fund/)
- [initial coin offering](https://paymentsnext.com/tag/initial-coin-offering/)
- [cryptocurrency investment](https://paymentsnext.com/tag/cryptocurrency-investment/)
- [Pulse](https://paymentsnext.com/tag/pulse/)
- [payment fraud](https://paymentsnext.com/tag/payment-fraud/)
- [Everlast](https://paymentsnext.com/tag/everlast/)
- [fraud prevention tips](https://paymentsnext.com/tag/fraud-prevention-tips/)
- [chargeback prevention](https://paymentsnext.com/tag/chargeback-prevention/)
- [David Sacks](https://paymentsnext.com/tag/david-sacks/)
- [Xmr.to](https://paymentsnext.com/tag/xmr-to/)
- [Falcon Private Bank](https://paymentsnext.com/tag/falcon-private-bank/)
- [Blockstack](https://paymentsnext.com/tag/blockstack/)
- [Monero](https://paymentsnext.com/tag/monero/)
- [Investopedia](https://paymentsnext.com/tag/investopedia/)
- [Tokenstar](https://paymentsnext.com/tag/tokenstar/)
- [Ant](https://paymentsnext.com/tag/ant/)
- [KeyBank](https://paymentsnext.com/tag/keybank/)
- [Spriggy](https://paymentsnext.com/tag/spriggy/)
- [Simplii Financial](https://paymentsnext.com/tag/simplii-financial/)
- [Loblaw's President's Choice](https://paymentsnext.com/tag/loblaws-presidents-choice/)
- [Billtrust](https://paymentsnext.com/tag/billtrust/)
- [tech IPOs](https://paymentsnext.com/tag/tech-ipos/)
- [Tokopedia](https://paymentsnext.com/tag/tokopedia/)
- [Yelp](https://paymentsnext.com/tag/yelp/)
- [Aegon](https://paymentsnext.com/tag/aegon/)
- [Okta](https://paymentsnext.com/tag/okta/)
- [Cloudera](https://paymentsnext.com/tag/cloudera/)
- [Delivery Hero](https://paymentsnext.com/tag/delivery-hero/)
- [Blue Apron](https://paymentsnext.com/tag/blue-apron/)
- [MarketInvoice](https://paymentsnext.com/tag/marketinvoice/)
- [Cloudflare](https://paymentsnext.com/tag/cloudflare/)
- [Bitmain](https://paymentsnext.com/tag/bitmain/)
- [bitFlyer](https://paymentsnext.com/tag/bitflyer/)
- [Ticket Camp](https://paymentsnext.com/tag/ticket-camp/)
- [Masterluc](https://paymentsnext.com/tag/masterluc/)
- [Viberate](https://paymentsnext.com/tag/viberate/)
- [Finance Magnates](https://paymentsnext.com/tag/finance-magnates/)
- [EU](https://paymentsnext.com/tag/eu/)
- [selfie pay](https://paymentsnext.com/tag/selfie-pay/)
- [Xero](https://paymentsnext.com/tag/xero/)
- [Scalable](https://paymentsnext.com/tag/scalable/)
- [Moneyou](https://paymentsnext.com/tag/moneyou/)
- [Face ID](https://paymentsnext.com/tag/face-id/)
- [facial recognition](https://paymentsnext.com/tag/facial-recognition/)
- [Scalable Capital](https://paymentsnext.com/tag/scalable-capital/)
- [Raisin](https://paymentsnext.com/tag/raisin/)
- [online security](https://paymentsnext.com/tag/online-security/)
- [AXA](https://paymentsnext.com/tag/axa/)
- [JP Morgan](https://paymentsnext.com/tag/jp-morgan/)
- [Likshmi](https://paymentsnext.com/tag/likshmi/)
- [Cambridge University](https://paymentsnext.com/tag/cambridge-university/)
- [Bank for International Settlements](https://paymentsnext.com/tag/bank-for-international-settlements/)
- [Aliant](https://paymentsnext.com/tag/aliant/)
- [BitPay](https://paymentsnext.com/tag/bitpay/)
- [Coincheck](https://paymentsnext.com/tag/coincheck/)
- [India cryptocurrency](https://paymentsnext.com/tag/india-cryptocurrency/)
- [iZelle](https://paymentsnext.com/tag/izelle/)
- [GoCardless](https://paymentsnext.com/tag/gocardless/)
- [CUP](https://paymentsnext.com/tag/cup/)
- [Bill.com](https://paymentsnext.com/tag/bill-com/)
- [PBF Solutions](https://paymentsnext.com/tag/pbf-solutions/)
- [Nets](https://paymentsnext.com/tag/nets/)
- [Bankart](https://paymentsnext.com/tag/bankart/)
- [NatWest](https://paymentsnext.com/tag/natwest/)
- [Fino](https://paymentsnext.com/tag/fino/)
- [Telenor](https://paymentsnext.com/tag/telenor/)
- [VTB](https://paymentsnext.com/tag/vtb/)
- [Google Tez](https://paymentsnext.com/tag/google-tez/)
- [EU trends](https://paymentsnext.com/tag/eu-trends/)
- [Sthaler](https://paymentsnext.com/tag/sthaler/)
- [ECB](https://paymentsnext.com/tag/ecb/)
- [Bittrex](https://paymentsnext.com/tag/bittrex/)
- [Kakaotalk](https://paymentsnext.com/tag/kakaotalk/)
- [Barclays Bank](https://paymentsnext.com/tag/barclays-bank/)
- [Bitnovo](https://paymentsnext.com/tag/bitnovo/)
- [Carrefour](https://paymentsnext.com/tag/carrefour/)
- [Toyota](https://paymentsnext.com/tag/toyota/)
- [OWL Cybersecurity](https://paymentsnext.com/tag/owl-cybersecurity/)
- [hackers](https://paymentsnext.com/tag/hackers/)
- [darknet](https://paymentsnext.com/tag/darknet/)
- [internet security](https://paymentsnext.com/tag/internet-security/)
- [Enterprise Ethereum Alliance](https://paymentsnext.com/tag/enterprise-ethereum-alliance/)
- [Hanson Robotics](https://paymentsnext.com/tag/hanson-robotics/)
- [humanoid](https://paymentsnext.com/tag/humanoid/)
- [smart contracts](https://paymentsnext.com/tag/smart-contracts/)
- [KDDI Corporation](https://paymentsnext.com/tag/kddi-corporation/)
- [Jordan Belfort](https://paymentsnext.com/tag/jordan-belfort/)
- [Wolf of Wall Street](https://paymentsnext.com/tag/wolf-of-wall-street/)
- [Fred Wilson](https://paymentsnext.com/tag/fred-wilson/)
- [BTC China](https://paymentsnext.com/tag/btc-china/)
- [Cardtronics](https://paymentsnext.com/tag/cardtronics/)
- [RBC](https://paymentsnext.com/tag/rbc/)
- [PayMa](https://paymentsnext.com/tag/payma/)
- [Facebook](https://paymentsnext.com/tag/facebook/)
- [ANZ](https://paymentsnext.com/tag/anz/)
- [data fraud](https://paymentsnext.com/tag/data-fraud/)
- [data hack](https://paymentsnext.com/tag/data-hack/)
- [Court Ventures](https://paymentsnext.com/tag/court-ventures/)
- [NASDAQ](https://paymentsnext.com/tag/nasdaq/)
- [RSA Security](https://paymentsnext.com/tag/rsa-security/)
- [Heartland Payment Systems](https://paymentsnext.com/tag/heartland-payment-systems/)
- [TJ Maxx](https://paymentsnext.com/tag/tj-maxx/)
- [Home Depot](https://paymentsnext.com/tag/home-depot/)
- [Cardsystems](https://paymentsnext.com/tag/cardsystems/)
- [Zappos](https://paymentsnext.com/tag/zappos/)
- [Ashley Madison](https://paymentsnext.com/tag/ashley-madison/)
- [Staples](https://paymentsnext.com/tag/staples/)
- [credit card security](https://paymentsnext.com/tag/credit-card-security/)
- [Etherparty](https://paymentsnext.com/tag/etherparty/)
- [Project Transparency](https://paymentsnext.com/tag/project-transparency/)
- [Dragonchain](https://paymentsnext.com/tag/dragonchain/)
- [ICO regulations](https://paymentsnext.com/tag/ico-regulations/)
- [Free Talk Live](https://paymentsnext.com/tag/free-talk-live/)
- [Santiment](https://paymentsnext.com/tag/santiment/)
- [CDC](https://paymentsnext.com/tag/cdc/)
- [Center for Disease Control](https://paymentsnext.com/tag/center-for-disease-control/)
- [Fintech 250](https://paymentsnext.com/tag/fintech-250/)
- [Tenpay](https://paymentsnext.com/tag/tenpay/)
- [PingPong](https://paymentsnext.com/tag/pingpong/)
- [B2B e-commerce](https://paymentsnext.com/tag/b2b-e-commerce/)
- [Domino's](https://paymentsnext.com/tag/dominos/)