Payments on Fire™
Episodes
Episode 92 - Fintech Leaders Talk Payments - Fintech South Atlanta 2019
12 Apr 2019
Contributed by Lukas
Payments on Fire® usually focuses on a single topic, typically a fintech company and the business or personal challenges it addresses. In this episod...
Episode 91 - Contactless Magic on a Merchant Smartphone - Maxime de Nanclas, Mobeewave
12 Apr 2019
Contributed by Lukas
Five years on from Apple Pay's release, contactless payment cards are just getting off the ground here in the US but in much of the rest of the card w...
Episode 90 - PSD2 Enables Fintech Competitors - Myles Stephenson, Modulr
12 Apr 2019
Contributed by Lukas
The UK and the EU take a very different approach to payments industry evolution than here in the States; the former directed by government mandate, th...
Episode 89 - Growing a Fintech Business for Small Business Cross-border Payments by Outgrowing the Blockchain - Marwan Forzley, Veem
26 Mar 2019
Contributed by Lukas
Cross-border B2B payments are frustrating, time consuming, and expensive, especially for small and medium businesses. To dig into why and what's being...
Episode 88 - Digital Marketplaces Go Global - Tomas Likar, Hyperwallet
21 Mar 2019
Contributed by Lukas
The digital marketplace model brings together buyers and sellers and, frequently, handles the money and payouts to the sellers. As my guest today has ...
Episode 87 - On Launching an SMB POS Product Line - Gavin Rosenberg, TSYS
15 Mar 2019
Contributed by Lukas
The business of merchant services continues to undergo two forms of transformation. First, the merchant services businesses, either as acquiring banks...
Episode 86 - Fraud Management and the E-Tailer - Rafael Lourenco, ClearSale
22 Feb 2019
Contributed by Lukas
This Stuff is Hard As the remote payments domain (think in-app and browser-based payment transactions) continues to grow at around 15% a year, that gr...
Episode 85 - It's Hard to Communicate about Chargebacks - Keith Briscoe, Ethoca
24 Jan 2019
Contributed by Lukas
Ecommerce fraud rates are rising and that means more cardholders are seeing unauthorized charges on their accounts. The cardholder remedy is to call e...
Episode 84 - Diving into the Deep Data Pool - Feedzai's Saurabh Bajaj and Nick Stanchenko
26 Dec 2018
Contributed by Lukas
Fraud prevention today is about how quickly we can separate good customers from questionable ones and, for those doubtful transactions, use the right ...
Episode 83 - Settlement Systems in Detail - Carol Coye Benson, Glenbrook
15 Nov 2018
Contributed by Lukas
Payment Innovation Moves to the Core When we conduct our Glenbrook Payments Boot Camp, our first graphic illustrates the three essential steps in ever...
Episode 82 - Restaurant Payments Deep Dive - Tim McKenna, Heartland Payment Systems
13 Nov 2018
Contributed by Lukas
Restaurant payments is a complex area especially for those companies serving the mid-sized and large restaurant operator. They have different needs th...
Episode 81 - Real Time Payment Network Update - Steve Ledford, TCH
25 Oct 2018
Contributed by Lukas
For those of you who didn't make it to Money20/20 and want to hear the latest on The Clearing House's Real Time Payments Network (RTP), take a listen ...
Episode 80 - Talking Tokenization - Glenbrook's Russ Jones
18 Oct 2018
Contributed by Lukas
The payment industry's responses to ongoing payment security are many. We have procedural approaches and technical ones. For example, we are requiring...
Episode 79 - The Last Mile: Domestic Connectivity in Ecommerce - Steve Villegas, PPRO
05 Oct 2018
Contributed by Lukas
In the US, there's the automatic assumption that payment cards and perhaps PayPal are the way to pay online. But if you're an ecommerce merchant tryin...
Episode 78 - Identity Verification in Fraud Prevention - Ajay Andrews, Whitepages
13 Sep 2018
Contributed by Lukas
Knowing who you're dealing with online is critical if you're taking transaction risk. Digital identity is tough. To address that challenge - and it is...
Voice Enabling the Digital Credit Union
12 Sep 2018
Contributed by Lukas
Alexa. Siri. Cortana. We're talking to or at our machines. I walk into my office and say "Hey Google, what's the weather?" or "Hey Google, when's my f...
Episode 76 - Payments Canada - Justin Ferrabee, COO
19 Jul 2018
Contributed by Lukas
During the Glenbrook Payment Book Camp we make clear that national payments systems are domestic by definition. Each country has its own set of syste...
Episode 75 (Part 2) - Payments, Petro, and the Connected Car - Scott MacKay, First Data
04 Jun 2018
Contributed by Lukas
In this second discussion with First Data execs, George and Scott MacKay, Vice President, Strategic Solutions talk digital commerce in the automative ...
Episode 75 (Part 1) - Fraud and the Merchant - Ajay Guru, First Data
04 Jun 2018
Contributed by Lukas
In this, the first of a two-part podcast series with First Data executives, Ajay Guru, VP of Merchant Fraud Solutions at First Data and George discuss...
Episode 74 - Payment Authentication and Identity in Context - Steve Wilson, Lockstep Technologies
08 May 2018
Contributed by Lukas
Online trust requires a context-based understanding of who we transact with. Attributes about us are needed to build that trust but in many transactio...
Episode 73 - Fintech South, Boot Camp, and Biometric Authentication - Andrew Gowasack, TrustStamp
17 Apr 2018
Contributed by Lukas
This episode of Payments on Fire covers two topics - payments in Atlanta and the essential challenge of online authentication and identity. May in Atl...
Episode 72 - Alipay's North American Acceptance Plan - Souheil Badran
13 Apr 2018
Contributed by Lukas
The rise of Chinese mobile payment systems is the top global mobile payments story of the last few years. Alipay and WeChat Pay serve hundreds of mill...
Episode 71 - The Tech Bringing B2B Fintech to the Mid-tier Bank - Lisa Shields, FI Span
24 Jan 2018
Contributed by Lukas
Mid-market financial institutions have enormously strong relationships with their banking customers. But their size makes home grown IT difficult beca...
Episode 70 - Real-time Cross-border Payments - Laurence Cooke of nanopay
19 Jan 2018
Contributed by Lukas
"Digital cash" has been a dream of the internet age for, well, almost the entire internet age. That goal requires instant payment settlement. It's mor...
Episode 69 - PCI Standard Technical and Geographic Evolution - Troy Leach
28 Dec 2017
Contributed by Lukas
Episode 69 is all about how the PCI Security Standards Council is responding to changes in security technology and how it is expanding its role and te...
Episode 68 - Digital Identity, a Mobile App, and a Blockchain - SecureKey
20 Dec 2017
Contributed by Lukas
Digital identity is a crisp sounding term that belies a complex layer of concepts. There is identity proofing. Identify verification. Identity assuran...
Episode 67 - The Conversational User Interface - Glenbrook's Russ Jones
11 Dec 2017
Contributed by Lukas
Voice is the natural user interface and the robots are coming to take it on. Enabled by high volume consumer devices like Amazon Echo, Google Home, Ap...
Episode 66 - Real Time Payments Comes to the US - Steve Ledford of TCH
30 Nov 2017
Contributed by Lukas
Payment innovation runs at multiple speeds. Changes in how a payment is initiated happen almost every day. Payments infrastructure change is a lot slo...
Episode 65 - Gates Foundation and Mojaloop - Kosta Peric
20 Oct 2017
Contributed by Lukas
Once upon a time, text messaging systems didn't interoperate. But when they did, usage skyrocketed. Many of the world's mobile money payment systems s...
Episode 64 - B2B Payments Innovation - Modulr
19 Oct 2017
Contributed by Lukas
The intersection of new tech, faster payments capabilities, and forward looking regulation is enabling significant innovation in B2B, and consumer, pa...
Episode 63 - Payments Come to the Browser - W3C's Ian Jacobs
28 Sep 2017
Contributed by Lukas
Payments standards typically operate deep within a payment system, invisible to most of us. But before long a new standard for web browsers will touch...
Episode 62 - Glenbrook on B2B and Faster Payments @ Money/2020
14 Sep 2017
Contributed by Lukas
If you're planning on attending Money/2020 in October, the Glenbrook team will be there in force. This short, not entirely serious, podcast previews t...
Episode 61 - Payments Systems in the US - Third Edition - Glenbrook's Russ Jones
29 Aug 2017
Contributed by Lukas
We all know that the evolution of payments systems in the U.S. is accelerating. That's why Glenbrook has just published the third edition of our book,...
Episode 60 - Where and Why Interchange Optimization Works - CardConnect
24 Aug 2017
Contributed by Lukas
Interchange is fundamental to open look card system economics and a mystery to many, especially to merchants who must pay it but don't perceive any be...
Episode 59 - B2B Payments are Hot - Glenbrook's Erin McCune
11 Aug 2017
Contributed by Lukas
B2B payments are huge. Taken together, these supply chain payments exceed the gross domestic product. But supply chain payments remain an imperfect ar...
Episode 58 - Consumers and Faster Payments - Consumers Union
08 Aug 2017
Contributed by Lukas
The Faster Payments Task Force has brought together a broad constituency with the payments industry thoroughly represented. And thanks to participat...
Episode 57 - The Bumpy Road toward Merchant EMV Adoption - Heartland
01 Aug 2017
Contributed by Lukas
Merchant adoption of EMV capability isn't a done deal in the U.S. Glenbrook's own estimates show that we're only halfway there. Few people have as muc...
Episode 56 - Consumer Healthcare Payments - BillingTree
28 Jul 2017
Contributed by Lukas
Consumer billing payments get complicated in the healthcare space. Co-payments are bigger than ever as are the medical bills. Consumers need prompting...
Episode 55 - 3D Secure and the IoT - CardinalCommerce
24 Jul 2017
Contributed by Lukas
The Internet of Things may be a hot topic but its security isn't hot at all. Up until recently, IoT device manufacturers and buyers haven't cared much...
Episode 54 - Securing IoT Payments - Gemalto
07 Jul 2017
Contributed by Lukas
The Internet of Things (IoT) will bring us a tsunami of network-enabled devices, for consumer use as well as yet to be imagined industrial and commerc...
Episode 53 - India's Payments Innovation Scene - Glenbrook's Allen Weinberg
19 Jun 2017
Contributed by Lukas
Bringing electronic payment capability to small merchants is a major hurdle for multiple developing economies. In this Payments on Fire podcast with G...
Episode 52 - Innovation for the Underserved - FinLab
12 Jun 2017
Contributed by Lukas
Bringing payments and financial services to those of us with a tenuous connection to the banking system is the goal of the Center for Financial Servic...
Unravelling the Payments Data Hairball
16 May 2017
Contributed by Lukas
Payments transactions generate plenty of useful data for merchants. But wrangling that data into informative shape gets challenging, especially when m...
Episode 50 - Internet identity, privacy, and a blockchain - SecureKey
04 Apr 2017
Contributed by Lukas
The term identity gets used a lot whenever internet payments and security are discussed. Knowing who we transact with is still the knotty problem. Str...
How to Get, and Stay, Smart in Payments
27 Mar 2017
Contributed by Lukas
Want to know what it takes to to stay smart in payments? Take a listen to Russ Jones, the Partner in Charge of Glenbrook's Payments Boot Camp program....
Episode 48 - APIs, ACH, and Faster Money - Dwolla
16 Feb 2017
Contributed by Lukas
Sometimes a change in direction is the way forward. Network aspirant Dwolla has recently pivoted its work toward the product and development teams ins...
Episode 47 - Blockchains and Moving Money on the Internet - Circle Internet Finance
11 Jan 2017
Contributed by Lukas
Turning money movement into a core capability of the internet is the guiding principle of Circle Internet Financial. Not an easy task. While technical...
Episode 46 - 3D Secure, Visa, and CardinalCommerce
03 Jan 2017
Contributed by Lukas
One of last year's most anticipated advances in fraud management was the final release of EMVCo's 3D Secure 2.0 protocol specification. Designed to ...
Episode 45 - False Declines and Ethoca's Role
20 Dec 2016
Contributed by Lukas
In e-commerce and mobile commerce the problem of false declines is significant, especially during the holidays. Issuers decline transactions that onli...
Episode 44 - On Privacy, IoT, and Security - Online Trust Alliance
14 Dec 2016
Contributed by Lukas
Multiple organizations have emerged to address different aspects of security, privacy, and identity. In this Payments on Fire Podcast, Glenbrook's Geo...
EP43: Making Money Fly over Borders - ISO 20022, the IPFA, and Faster International Payments
10 Oct 2016
Contributed by Lukas
Faster payments, B2B payments, international remittances, cross-currency, and cross-border payments. These are hot topics and major challenges the pay...
Payments Data with Russ Jones
22 Sep 2016
Contributed by Lukas
As the breadth of transaction data expands, even the definition of payment data is getting stretched. Payment data, when combined with other sources, ...
Marwan Forzley, Align Commerce, and the Evolution of Blockchain Business
05 Aug 2016
Contributed by Lukas
Bitcoin's reliability and transaction-level security has inspired today's explosion of blockchain pilots, companies, and consortia. But the bitcoin ra...
Sensibill - Redefining Digital Receipts for FIs
15 Jul 2016
Contributed by Lukas
Stretching the retail financial institution's (FI) mission beyond checking account and debit card management is on that industry's agenda. It's what f...
Machine Learning in Fraud Management
07 Jul 2016
Contributed by Lukas
Machine learning and the broader category of artificial intelligence are rightly attracting attention and discussion. These are powerful technologies....
Biometrics, Big Data, and Tossing the Password
30 Jun 2016
Contributed by Lukas
Digital identity is the black hole of the internet. Our online lives simply aren't protected by a system without strong authentication. Killing the p...
The Merchant's Challenge with Chargebacks
21 Jun 2016
Contributed by Lukas
Chargebacks are one of the card system's great consumer benefits. If fraud happens, the merchant doesn't deliver on what was promised, or you're charg...
Shoptalk Conference 2016
17 May 2016
Contributed by Lukas
This episode of Glenbrook's Payments on Fire podcast comes from the Shoptalk conference, mid-May 2016. Focused on the entire customer engagement cycle...
A Large Merchant's Focus on its Payments Strategy
11 May 2016
Contributed by Lukas
Payments industry professionals naturally have a hard focus on the industry's own dynamics. So, it's not uncommon to lose sight of who the customer is...
Data Analytics, Lending, and the Next 100 Million Borrowers
01 May 2016
Contributed by Lukas
Extension of credit to people in developing markets has been a long time challenge. Banks, of course, look to repayment history to make such determina...
On Internet Money - Talking Circle.com with Jeremy Allaire
20 Apr 2016
Contributed by Lukas
The world of moving money is changing. And faster is the theme. Domestic real time payment systems are showing up across the planet. Today's discussi...
Expanding the Smart Card's Role
16 Mar 2016
Contributed by Lukas
The Smart Card Alliance has been educating payments, government, and security professionals since 2008 on the fundamentals of smart card technology an...
Bitcoin 3.0 - Permissioned Blockchains
03 Feb 2016
Contributed by Lukas
Blockchain. Is it the most revolutionary technology in value exchange ever or just the latest fintech buzzword enjoying its peak on the hype cycle? Or...
Networks Put Their Money on Checkout for Mobile
18 Jan 2016
Contributed by Lukas
Anyone even vaguely conscious during Sunday afternoon football games has seen adverts for Visa Checkout, that shopping cart checkout assistant the car...
Interchange Regulation Comes to Europe
14 Dec 2015
Contributed by Lukas
Interchange galvanizes the attention of regulators around the world like iron filings to a magnet. Everyone in card payments watches their moves close...
Faster Payments in the US
24 Nov 2015
Contributed by Lukas
Sending money in real-time is a capability that is growing around the world. “All bank” systems in the UK and Mexico are thriving. Mobile money se...
Who Are You, Really? - FIDO's Biometric Authentication
12 Oct 2015
Contributed by Lukas
Since the first promise to pay was made, knowing who you’re dealing with has been a requirement. Authenticating the identity of a trading partner - ...
What's Next for EMV - Beyond the Liability Shift
24 Sep 2015
Contributed by Lukas
With the EMV liability shift only days away, consumers and merchants are facing any number of changes in the point of sale experience. Unlike some oth...
PoF 26 - Maybe It's 3D Secure, After All
20 Aug 2015
Contributed by Lukas
3D Secure, the protocol that connects ecommerce merchants to the cardholder’s issuer, has had a rough go. But after ten years, smarter application o...
PoF 25 - Directory Service for Virtual Currencies
12 Aug 2015
Contributed by Lukas
The Internet’s designers quickly realized that no one’s very good at remembering IP address numbers. Unless you type the same number over and over...
PoF 24 - EMV, the Small Business, and New Ways to Pay
05 Aug 2015
Contributed by Lukas
Every payment pro in the US is also a shopper and we all know that the largest retailers are poised to support EMV. Nearly all have EMV capable hardwa...
PoF 23 - What's Up with HCE - Talking with inventor Doug Yeager
29 Jul 2015
Contributed by Lukas
Host card emulation (HCE) was invented back in 2012. It was supposed to do for NFC on Android what Apple Pay has done for NFC in the iOS ecosystem. Bu...
PoF 22 - Ethoca and the Power of Data Collaboration
21 Jul 2015
Contributed by Lukas
The domain of point of sale (POS) has three legs to its security stool: EMV, point to point encryption, and card number tokenization. Card not present...
PoF 21 - Payment Tokenization Continues to Roll
26 Jun 2015
Contributed by Lukas
Tokenization is, and will continue to be, a hot topic in payments. After all, it's what powers Apple Pay. Last week I chaired the Mobile Payment Innov...
Chase Speaks on Issuing EMV Cards
16 Jun 2015
Contributed by Lukas
We all know EMV is coming to the U.S and that it will take years to build a complete EMV security perimeter. But the work starts with issuers sending ...
E-commerce Fraud, Data, and EMV's Impact on CNP Losses
08 Jun 2015
Contributed by Lukas
Decisions about point of sale transactions are largely made using card data alone but in e-commerce the merchant has to use a rich mix of data sources...
PoF 18 - CNP Expo Talks
21 May 2015
Contributed by Lukas
This week's CNP Expo in Orlando brought together some 1,000 fraud technology vendors, processors, merchants, commerce-focused entrepreneurs and others...
PoF 17 - Aligning Bitcoin with B2B Remittances
30 Mar 2015
Contributed by Lukas
Paying invoices and moving funds aross borders for small and medium business (SMB) is expensive and full of uncertainties. How much does the recipient...
PoF 16 - Talking EMV in the USA
24 Mar 2015
Contributed by Lukas
EMV and its moving parts presents a far more complex payments method for merchants, ISVs, payment processors, and financial institutions than the good...
PofF 15 - Small Business Banking grown from Seed
16 Mar 2015
Contributed by Lukas
It’s always intriguing to watch how a good idea evolves into new areas. Such evolution often happens when designers find new applications for their ...
PoF 14 - A Ground Level View on Tablet POS
19 Feb 2015
Contributed by Lukas
Tablet-based ePOS cash registers are growing in popularity and capability. A boon to smaller retailers who have been laggards in store automation. But...
PoF 13 - Lexis Nexis Risk Solutions on Mobile Fraud
09 Feb 2015
Contributed by Lukas
Aaron Press of Lexis Nexis Risk Solutions joins Glenbrook's George Peabody for a discussion on mobile fraud trends based on the firm's True Cost of Fr...
PoF 12 - Risk Management, Remittances, and Innovation - A Conversation with CBW Bank's Suresh Ramamurthi
23 Jan 2015
Contributed by Lukas
Glenbrook's Elizabeth McQuerry and George Peabody talk with CBW Bank's Suresh Ramamurthi on payment innovation, risk management, and international rem...
PoF 11 - Bitcoin, Banking, and Crypto 2.0 Approaches
01 Dec 2014
Contributed by Lukas
Glenbrook's George Peabody discusses Bitcoin and blockchain evolution with Sean Safahi, co-founder and CEO of Bold Financial Technologies, a provider...
PoF 10 - On Faster Payments in the US
27 Oct 2014
Contributed by Lukas
In this interview with Glenbrook's founding partner Carol Coye Benson, we discuss the prospects for a faster payments system in the US. Responding to...
EP9 - Realtime Authorization and Messaging
20 Oct 2014
Contributed by Lukas
Realtime, consumer-facing authorization of card payment transactions has been available for some time but few of us have it offered to us by our issue...
EP8 - Virtual Banking, PayPal, Apple Pay - A conversation with Dan Schatt
13 Oct 2014
Contributed by Lukas
Join George Peabody in a conversation with Stockpile's Dan Schatt on virtual banking, innovation, and the future of PayPal. Dan is former GM of Fina...
EP7 - Biometrics, Apple Pay, and Privacy: a Talk with Steve Wilson
06 Oct 2014
Contributed by Lukas
Apple Pay's announcement has brought attention to biometrics and their role in payments security and to the broader, if amorphous, concept of online i...
Episode 6 - Russ Jones on Visa Checkout and Checkout Flow
29 Sep 2014
Contributed by Lukas
Using a powerful examination of the challenge of online and mobile checkout, Glenbrook's Russ Jones takes us for a deep dive into Visa Checkout, comp...
FinovateFall 2014 Day 2
24 Sep 2014
Contributed by Lukas
Come back for Bryan Derman's wrap-up on FinovateFall 2014. From banking technology vendors to SMB lending and some very interesting security and biome...
FinovateFall Day 1
24 Sep 2014
Contributed by Lukas
Finovate has become the leading opportunity for new companies and long term players in financial technology to strut their stuff. But not all of us ...
Payments in Europe
18 Sep 2014
Contributed by Lukas
Want to know more about SEPA and the new SEPA for cards initiative? Thinking about opportunities in the EU? Need to understand how payments work i...
Glenbrook Payments on Fire - On Checkout Flow and Apple Pay
15 Sep 2014
Contributed by Lukas
In this Payments on Fire podcast, Russ Jones and I discuss last week's Apple Pay announcement and how it fits with and compares to other checkout appr...
Payments on Fire - Episode 1
07 Sep 2014
Contributed by Lukas
Welcome to Glenbrook's first Payments on Fire podcast. This conversation between Glenbrook's founding partner Scott Loftesness, Terence Spies, CTO of...