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PODCAST

Payments on Fire™

Glenbrook Partners, LLC

Podcasts from Glenbrook Partners on the latest developments in payments and fintech. Featuring interviews with opinion leaders, Glenbrook"s own take on emerging technologies and industry trends, other news and views on this dynamic industry.

business

All Episodes

28:10

Episode 101 - The U.S. Faster Payments Council - Kim...

Payments on Fire™ ·

2019/09/16

A Better Way, Please Last week I tried to connect my accounts at two different banks. Between account type mismatches (my bad), long account numbers, ACH micro-deposits, and balky websites, well, I’ll confess I put a check in the mail as a “quicker” way of overcoming the electronic barriers. Snail mail. Really? That situation, and many more where speed matters, is exactly why the world is turning to faster payment systems that allow the accountholder to push money from an account she controls to a

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26:32

Episode 100 - Strong Customer Authentication - Russ...

Payments on Fire™ ·

2019/08/20

For a nanosecond, about seven years ago, I thought the payments industry was entering a steady state where change, while sure to be accelerated by technology, was going to settle down to the familiar sedate pace the payments industry had taken for decades. Hah! Payment industry evolution has leapt forward since then based on, yes, technology, but also new rules, regulations, business models, and changes in attitude toward how money moves, security, and privacy. One major trend I didn’t anticipate

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31:12

Episode 99 - Reducing Chargeback Handling Pain - Rick...

Payments on Fire™ ·

2019/08/08

One of the privileges of using a card to make a payment is the ability to dispute that charge should something go wrong. Maybe you ordered one garden rake but got charged for two. Perhaps you ordered a sweater and, as my colleague Allen Weinberg puts it, “got shipped a box of rocks.” Or you discover a charge that you didn’t make on your card account and believe it’s fraudulent. In all those cases, the dispute process involves a chargeback. The cardholder disputes the charge, the issuer credits the

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46:42

Episode 98 - Google Pay Deep Dive with Google's Steve...

Payments on Fire™ ·

2019/07/17

The global spread of digital payments gets a huge boost from giants like Google. Google’s Google Pay is far more than just a wallet, and the subject of this Payments on Fire® episode with Steve Klebe. Steve heads Google’s Processor and Partnerships business and has terrific experience in our industry, working with payment gateway CyberSource, payment security firm RSA, and carrier billing firm BilltoMobile. He’s also served multiple times on the board of the Electronic Transaction Association. In

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36:39

Episode 97 - Data Breach Prevention, Investigation,...

Payments on Fire™ ·

2019/07/10

Here on Payments on Fire® we've spoken a lot with risk and fraud management firms that generally offer some combination of services and technologies that promises to lower customer exposure to payments fraud, data theft, and operational risk. There’s another dimension to cyber security that’s based on expertise - before and after a data breach. That's the subject of this episode. First, a company needs to understand its overall exposure. What do we have and what can we afford to lose? That takes a

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44:22

Episode 96 - Enterprise Risk, No Time to Relax -...

Payments on Fire™ ·

2019/06/12

The task of risk management in the payments business keeps getting bigger. Where once the concern was confined to payments alone - starting with counterfeit checks and currency - payment electronification has created a universe of potential risks. Risk now includes fraudulent cards, system and network hacks, data breaches, and account takeover with all the havoc that can produce. And we’re seeing how these impact the reputation and value of businesses even when the hack has nothing to do with

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42:51

Episode 95 - Hiding Data Jewels in the Tokenization...

Payments on Fire™ ·

2019/06/10

One of the biggest payments challenges for merchants is how to handle payment data - whether it’s at the POS or in the remote domain where e-commerce and mobile payments take place. A lot of this concern is driven directly by PCI DSS compliance and broadly by the reputational risk data breach represents. One of the major techniques merchants employ, in order to remove the need to store payment data, is tokenization - the replacement of the high value card data with a low value representation

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35:47

Episode 94 - Digital Identity and Blockchain Tech -...

Payments on Fire™ ·

2019/06/06

Digital identity is one of the most solution resistant challenges to online commerce and, indeed, our online lives. It is basic to online trust, an elusive condition undermined by data breaches, abuse of our data by service provider, and fraudsters. That’s not say we aren’t trying. Providers of all stripes are applying their value add to the problem. Smartphone makers have a role. Fraud management providers see themselves as having a role because they see so many users visiting their merchant

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33:10

Episode 93 - Fitting QR Codes into the Card System -...

Payments on Fire™ ·

2019/05/17

Ever wonder about EMVCo's role in the development and implementation of its technical specifications? Take a listen to Bastien Latge, EMVCo's director of technology and Glenbrook's George Peabody as they discuss EMVCo's EMV®* QR Code Specification for QR code-based transaction initiation in the card system. While developed card markets are shifting to contactless cards and NFC-using mobile phone wallets to kick off payments, the QR code offers a flexible, very low cost alternative. There's a lot to

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28:38

Episode 92 - Fintech Leaders Talk Payments - Fintech...

Payments on Fire™ ·

2019/04/12

Payments on Fire® usually focuses on a single topic, typically a fintech company and the business or personal challenges it addresses. In this episode, we take another direction by bringing together three fintech leaders to talk about their company offerings, how they connect up to payments, and some of the obstacles they’ve faced. George talks with the leadership of three companies working in very different areas: remittances, small business logistics payments, and healthcare. Mike Gaburo, CEO of

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42:05

Episode 91 - Contactless Magic on a Merchant...

Payments on Fire™ ·

2019/04/12

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 world, contactless payments of both kinds are common practice. In London, half of the card transactions are contactless. The same is true in Canada. While it’s true that the vast majority of these are card-based, not via mobile wallets like Apple Pay and Google Pay, even the mobile wallets are gaining momentum. To expand contactless usage, Mobeewave has

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29:50

Episode 90 - PSD2 Enables Fintech Competitors - Myles...

Payments on Fire™ ·

2019/04/12

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, the latter by marketplace dynamics and the lighter touch of regulators. But both are responding, at different speeds, to the need of fintechs and enterprises for access to bank-based data and services. The Payment Services Directive 2, PSD2, written in 2015 and in effect since January of 2018, addresses a range of concerns including a ban on surcharging

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35:37

Episode 89 - Growing a Fintech Business for Small...

Payments on Fire™ ·

2019/03/26

Cross-border B2B payments are frustrating, time consuming, and expensive, especially for small and medium businesses. To dig into why and what's being done to overcome those concerns, join George and Marwan Forzley, CEO of Veem, for an explanation. SMB B2B payments, particularly cross border payments, have always been time consuming to accomplish and expensive to do. They are time consuming because sending an international “wire” payment was historically slow with uncertain delivery timing and with

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33:33

Episode 88 - Digital Marketplaces Go Global - Tomas...

Payments on Fire™ ·

2019/03/21

The digital marketplace model brings together buyers and sellers and, frequently, handles the money and payouts to the sellers. As my guest today has determined, digital infrastructure, e-commerce usage, competition, and workforce characteristics influence a country’s ability to establish a flourishing marketplace component to the economy. This marketplace economic model is a useful one enabling, among other use cases, the gig economy. Adopted in countries like China, the US, Canada, the UK,

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35:03

Episode 87 - On Launching an SMB POS Product Line -...

Payments on Fire™ ·

2019/03/15

The business of merchant services continues to undergo two forms of transformation. First, the merchant services businesses, either as acquiring banks or via non-bank acquirers, has undergone massive consolidation over the last five years and more. Fiserv’s takeover of First Data, announced on January 16, is just the latest example. The second sea change is the expansion of products and services these entities deliver. What was a fairly innovation-averse industry has become, under the competitive

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42:37

Episode 86 - Fraud Management and the E-Tailer -...

Payments on Fire™ ·

2019/02/22

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 growing number means the size and scale of fraud losses are going to increase. And they have - in both absolute terms and as a percentage of overall transaction volume. That also means rising chargeback rates for many merchants. Rising fraud in the online world is also a result of better security technology in the physical world. While EMV chip cards

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42:31

Episode 85 - It's Hard to Communicate about...

Payments on Fire™ ·

2019/01/24

Ecommerce fraud rates are rising and that means more cardholders are seeing unauthorized charges on their accounts. The cardholder remedy is to call either the merchant or the issuer to flag the problem. If the cardholder turns to the issuer to resolve the problem, the remedy is often an expensive chargeback for the merchant and a generally lousy experience for everyone. Ecommerce Merchant Pain Ecommerce merchants have invested heavily in fraud detection tools because in the remote payment domain

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45:38

Episode 84 - Diving into the Deep Data Pool -...

Payments on Fire™ ·

2018/12/26

Fraud prevention today is about how quickly we can separate good customers from questionable ones and, for those doubtful transactions, use the right set of tools and data sources to optimize speed, costs, and fraud losses. When it comes to fraud prevention, it turns out that data is key. No revelation there, but how we manipulate it, gather it, and assure its provenance is undergoing major change. What would be a revelation to fraud managers of a decade ago is the unbelievable amount of data and

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44:21

Episode 83 - Settlement Systems in Detail - Carol...

Payments on Fire™ ·

2018/11/15

Payment Innovation Moves to the Core When we conduct our Glenbrook Payments Boot Camp, our first graphic illustrates the three essential steps in every transaction - initiation, funding, and completion. When looked at through the lens of of the past decade most innovation has been in initiation. Consider: Apple Pay, Google Pay, Venmo, QR codes. The list is long of ways to kick off a transaction. Funding is all about where the money comes from. Usually a bank account, often a wallet holding money

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29:35

Episode 82 - Restaurant Payments Deep Dive - Tim...

Payments on Fire™ ·

2018/11/13

Restaurant payments is a complex area especially for those companies serving the mid-sized and large restaurant operator. They have different needs that extend well beyond payment acceptance but even that is a highly variable concern. Ever notice that we pay differently depending upon the type of restaurant we’re in? It’s always been walk up and pay the central server at McDonalds. Applebees uses Presto table top devices to speed table turns, upset desserts (“that lava cake sure looks good”) and

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283 results

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