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Creating a synthetic identity used to be the realm of seasoned hackers, but now it can be done with a few simple prompts. Just as artificial intelligence has fueled countless business innovations, it has also been a boon for bad actors—allowing cybercriminals to commit fraud at a fraction of the cost and with greater sophistication. […]
The post The Rise of Smarter Cybercriminals Demands Stronger Fraud Defenses appeared first on PaymentsJournal.
From transforming member experiences to building a culture of information literacy, data has become a catalyst for innovation at credit unions. New use cases are constantly emerging for organizations willing to explore them, and artificial intelligence will only increase their value. In a PaymentsJournal Podcast, Jeremiah Lotz, Senior Vice President of Experience Design and Enterprise […]
The post The Information Age: How Credit Unions Can Maximize the Impact of Their Data appeared first on PaymentsJournal.
The next iteration in the rapid evolution of artificial intelligence has arrived, and organizations are racing to harness the potential of AI agents to create a dynamic new shopping experience. However, as powerful as agentic commerce can be, the road to adoption won’t be without hiccups—many of which will lead to a surge in disputes. […]
The post How FIs Can Prepare for the Surge in Agentic Commerce-Driven Disputes appeared first on PaymentsJournal.
Across shopping, streaming, and social media, consumers have grown used to receiving personalized recommendations powered by artificial intelligence. While some may feel less comfortable with AI taking on a similar role in their banking experience, a hyper-personalized digital banking platform can deliver far greater value than simply suggesting the next show to binge. In a […]
The post Driving Hyper-Personalization in Digital Banking using AI appeared first on PaymentsJournal.
Different payment methods have gained popularity in different parts of the world. For example, buy now, pay later is widely used in Australia and the Nordics, while account-to-account payments lead the way in the Netherlands and Brazil. As commerce becomes increasingly globalized, merchants everywhere must adapt to these local payment preferences—or risk losing customers. In […]
The post Why Alternative Payment Methods Are No Longer “Alternative” appeared first on PaymentsJournal.
Cybercriminals have been after personal data for years, but new technology is giving them a dangerous boost. Infostealers—malware that extracts sensitive data like passwords and credit card numbers—are becoming one of today’s biggest online threats because they are easy to use and hard to spot. While conversations about online safety often peak during Cybersecurity Awareness […]
The post How Dark Web Intelligence Is Key to the Fight Against Infostealers appeared first on PaymentsJournal.
As dynamic technologies continue to revolutionize the payments space, conferences have become a critical way for payments professionals to stay informed and share their expertise. One of the signature events of the payments space is Nacha’s Smarter Faster Payments 2026, which will take place in San Diego from April 26-29, 2026. In a recent PaymentsJournal […]
The post What’s New at Nacha’s Smarter Faster Payments Conference appeared first on PaymentsJournal.
Gift cards have evolved from being a thoughtful, last-minute birthday gift into a mature industry that’s helping companies build loyalty both inside and outside their organizations. Their use cases are expanding rapidly, offering innovative ways for business to not only reward employees but also strengthen their bottom line. In a PaymentsJournal Podcast, Samara Swenson, U.S. […]
The post From Gift to Growth Engine: Exploring the Gift Card Evolution appeared first on PaymentsJournal.
For decades, typically large regional or money center banks served as correspondent banks that enabled smaller banks to offer cross-border payments. It was rare for credit unions, community banks, and other smaller financial institutions to offer cross-border payments. And if they did, it was a money-losing proposition, offered out of necessity to prevent their customers […]
The post Making Cross-Border Payments Work at Smaller FIs—as Originating Institutions or Correspondent Banks appeared first on PaymentsJournal.
As more people choose to bank online, the role of the traditional branch has undergone a transformation. Once the go-to place for every financial need, the branch is now primarily a hub for more complex transactions that can’t be completed digitally or at an ATM. At the center of this evolution is the interactive teller […]
The post Banking, Reimagined: The Role of ITMs appeared first on PaymentsJournal.
Almost without notice, disappearing payments have shifted from novelty to expectation in small business transactions. A traveler arrives at an airport, books a rideshare, and checks into a hotel—never pulling out a wallet or handing over a card. The transaction happens seamlessly, almost invisibly. The same technology fueling consumer-facing apps is now within reach for […]
The post The Invisible Checkout: Embedded Payments Transform Small Business appeared first on PaymentsJournal.
Customers signing up for new accounts and services can feel frustrated by the hoops they have to go through, assembling information and entering it in complicated, sometimes multiple forms, whether on paper or online. What they may not realize is that the process can be just as frustrating for the people working at financial institutions, […]
The post How to Streamline the Onboarding Process and Speed Up Underwriting appeared first on PaymentsJournal.
Amid the rise of subscriptions and digital services, consumers are juggling more bills than ever. In fact, the average U.S. household now pays around 10 bills each month—a growing list that can be tricky to track and manage. While more consumers are turning to their financial institution for help managing these responsibilities, many banks have […]
The post Why Bill Pay Is an Underutilized Touchpoint for Financial Institutions appeared first on PaymentsJournal.
In just the first half of the year, ACH payment volume grew by 5.5% on a daily average basis, reaching roughly 17.25 billion payments. The growth is even more pronounced in terms of dollar value, with the ACH Network processing $45 trillion in the first half of 2025—a 6.8% increase compared to the same period […]
The post Exploring the Factors Driving Continued ACH Growth appeared first on PaymentsJournal.
The passage of the GENIUS Act in the U.S. has brought stablecoin interest to a fever pitch in recent months. However, even as more of the world’s leading organizations consider launching stablecoin, the use cases for these fiat-backed assets are still being unlocked. In a recent PaymentsJournal podcast, Nabil Manji, SVP, Head of Fintech Growth […]
The post Amid Surging Stablecoin Use Cases, Payouts Stand Out appeared first on PaymentsJournal.
One of the most effective tools in the fight against cybercrime is information sharing—particularly through anonymized consortium data signals—a practice increasingly referred to as cyber fusion. Despite its promise, many institutions remain wary of collaborating in this way, often even within their own organizations. Greater cooperation—through shared data and interoperable fraud, anti-money laundering, and cyber […]
The post Share and Share Alike: The Promise of Cyber Fusion appeared first on PaymentsJournal.
Many organizations treat their reconciliation and reporting as mere check-the-box activities, investing only the bare minimum to remain compliant. However, companies that deprioritize these critical back-office functions risk being caught unprepared when faced with a more stringent regulatory environment. In a recent PaymentsJournal podcast, Roger Binks, Chief Commercial Officer at Kani, and James Wester, Co-Head […]
The post With Rising Compliance Demands, Reconciliation and Reporting Take Center Stage appeared first on PaymentsJournal.
When credit unions look for ways to improve service for their members, accounting systems may not be the first thing that comes to mind. But when Texans Credit Union upgraded its accounting platform, the benefits cascaded throughout the organization—saving money, streamlining operations, and even boosting morale. In a PaymentsJournal Podcast, Tracy Montez, SVP, Controller at […]
The post What Texans Credit Union Learned from Upgrading its General Ledger appeared first on PaymentsJournal.
As the technology behind payments processing accelerates, it’s also reshaping how merchants need to think about the ways their customers pay. Increasingly, acquirers are discovering that by focusing on areas like reconciliation and streamlining the payments workflow, they can build stronger relationships—not only with their customers, but also with their employees. In a PaymentsJournal podcast, […]
The post Why More Merchants Are Centralizing Their Payments Infrastructure appeared first on PaymentsJournal.
A consumer purchases a product and receives exactly what was described. However, they experience buyer’s remorse and want to return it. Unsure if they’ll be refunded, they falsely report the transaction as fraudulent instead. This kind of misuse may seem minor on its own, but it is part of consumer-engaged fraud—a category often mislabeled and […]
The post Sorting the Scams: The Many Faces of Consumer-Engaged Fraud appeared first on PaymentsJournal.
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