Glenbrook

Payments Post #16: The Apple Drops

Glenbrook Partners, LLC

"It’s time for another edition of Payments Post and (surprise!) we’re thinking about the Visa Flexible Credential again. Now that Apple has plans to open up the NFC chip and Secure Element to third party developers, we’re scratching our heads. Who benefits from this newfound NFC access? What opportunities can fintechs unlock? How will conventional financial institutions react? And to tie it all back, does the VFC still matter?"

Glenbrook

Payments Post #15: BNPL Battles

Glenbrook Partners, LLC

"In this month's Payments Post, we revisit the prime use case for Visa Flexible Credential (VFC): BNPL. How are buy now pay later providers positioning themselves in the current environment, how are consumers using their tools, and how are regulators and issuers responding?"

Glenbrook

Payments Post #14: Wallet World – WWDC, VFC, Tokens, and the Future of the “Card”

Glenbrook Partners, LLC

"In this new Payments Post, Justin Pituch takes a look at recent changes to the Apple Wallet announced at WWDC, the Visa Flexible Credential (VFC), Mastercard's tokenization plans, and the future of card transactions."

Glenbrook

Payments Views - Visa Payments Forum Deep Dive: Visa Flexible Credential

Glenbrook Partners, LLC

"Glenbrook's Samantha Gordon unpacks the Visa Flexible Credential, one of many new products announced by Visa at their annual Payments Forum earlier this month."

Glenbrook

Payments Post #13: At the Intersection of Tech, Regs, and Business Partnership

Glenbrook Partners, LLC

"This month, Cici Northup joins regular contributor Justin Pituch to recap positive news in the form of fast payments growth, new fraud mitigation strategies, and evolution in cross-border transfers. All reflect, to varying degrees, the unique dynamic in the payments industry created by the intersection of technology, regulation, and new business partnerships."

Glenbrook

Payments Views: Payments Post #11 - Closing the Loop: Cap None?

Glenbrook Partners, LLC

"In this month's Payments Post, Glenbrook's Justin Pituch and Christopher Uriarte focus on the blockbuster announcement that Capital One intends to acquire Discover, from the perspectives of the various payments ecosystem participants it affects."

Glenbrook

PhonePe Unveils Indus Appstore: A Game-Changer in India’s Digital Journey

PhonePe

"PhonePe, announced the consumer launch of its Indus Appstore. In a global first move, Indus Appstore allows app and game developers to choose any 3rd-party payment gateway for in-app billing, and they will not be charged any commission if they use an external payment gateway."

Glenbrook

Payments Views - Healthcare, meet Payments: When two complex industries collide

Glenbrook Partners, LLC

"In this Payments Views post, Cici Northup focuses on one of eight primary healthcare payment flows identified by Glenbrook - the Consumer-to-Business (C2B) flow, which represents a $400B payments value opportunity (Glenbrook 2023 estimates)."

Glenbrook

Payments Post #10: Glenbrook’s January Roundup – 2nd “Year of the Regulator”?

Glenbrook Partners, LLC

"We can’t help but double down on the theme of regulation in our first payments post in 2024. Cici Northup joins us this month to discuss a handful of new rules and regulatory scrutiny of Apple’s payments practices. Our usual editor Justin Pituch discusses how the U.S. payments regulatory landscape is shaping the growth ambitions of Elon Musk’s X and payment technology behemoth Fiserv."

Glenbrook

Payments Views: Demystifying Payments Orchestration: Part 2 – Orchestration in Practice

"Wrapping up Glenbrook's (first) "Orchestration Week" is the second post in a two-part Payments Views series by Simon Skinner and Samantha Gordon. Now that we have our definitions in place from Part 1, we will examine the benefits of Orchestration Platforms and which types of merchants may benefit from their use."

Glenbrook

Payments Views: Demystifying Payments Orchestration: Part 1

Glenbrook Partners, LLC

"In the first post of a two-part Payments Views series, Simon Skinner objectively reviews the topic of payments orchestration for merchants, avoiding marketing jargon and spin, to decipher what is being offered, in what forms, and by which types of providers."

Glenbrook

Payments Post #9: Glenbrook’s November Roundup – Fighting Fast Fraud

Glenbrook Partners, LLC

"Our final Payments Post installment of 2023 focuses on a distinct set of headlines related to payments scams that touch on two perennial themes that were particularly relevant this year: the viability of account-to-account payment methods and fraud."

Glenbrook

Payments Views: 6 Generative AI Payments Use Cases and 6 Actions to Evaluate your GenAI Strategy

Glenbrook Partners LLC

"In this piece, Glenbrook's Will Eisler dives into Generative Artificial Intelligence (GenAI): defining GenAI relative to Traditional AI, highlighting GenAI payments use cases such as fraud prevention, consumer insights, in-store payments, and improved chatbots, and sharing steps that your company can take to assess your GenAI strategy."

Glenbrook

Payments Post #8: Glenbrook's October Roundup

"Glenbrook digs into the real impact of rising interest rates and vacillating economic conditions on the U.S. payments landscape from both a consumer and business perspective."

Glenbrook

Payments Views - PSD3: Implications for the U.S.

Glenbrook Partners LLC

"The prospect of the PSD3 arrival provides the opportunity to take a step back and consider the potential implications and opportunities of this European regulation from a U.S. perspective."

Glenbrook

Payments Views - From Open Banking to Open Finance: Redefining the Financial Services Landscape

"The long-awaited proposal from the CFPB lays the groundwork for a more mature approach to Open Banking in the U.S., or, as Glenbrook's Bethany May dares to call it in her new Payments Views post, Open Finance?"

Glenbrook

Decoding a cross-border business payment to Rwanda: detailing the journey, the costs, and our observations

Glenbrook Partners LLC

"This Payments Views post by Elizabeth McQuerry, Cici Northup, and Victor Malu attempts to capture the process of sending a bid security to Rwanda, and illustrates the challenges and uncertainties that sometimes are part of the cross-border payment process."

Glenbrook

Payments Views: Could Amazon’s Just Walk Out Technology Address the Scourge of ‘Shoplifting’?

"In this new Payments Views, Glenbrook's Bryan Derman reacts to recent store closures due to “theft and organized retail crime”. Could a technological upgrade allow major store-based merchants to operate profitably while helping more communities maintain a vibrant and safe retail environment?"

Glenbrook

Payments Post #7: Glenbrook's September Roundup - Sibos, India, and a Connected Future

Glenbrook Partners, LLC

"This month, Payments Post is going global. We’ll jump to Canada as we explore themes from Sibos and then to India to take a look at a leader in next-generation national payment schemes."

Glenbrook

Payments Views: Buy Now, Pay Later: Where Have the Months Gone?

Glenbrook Partners, LLC

"At the beginning of the year, Debbie Bartoo hypothesized that four issues needed to be addressed for sustained Buy Now, Pay Later success. What happened this year? To what extent did we mature our BNPL market? Let’s take a look at 2023 progress."

Glenbrook

Payments Views: Payments Post #6 - Glenbrook's August Roundup

Glenbrook Partners, LLC

"Will broad downward pressure on the cost of merchant processing lead to its commoditization? Take a look back at August's headlines surrounding merchant surcharging, fee backlash, and Adyen’s H1 performance in the newest Payments Post from Glenbrook's Chris Uriarte and Justin Pituch."

Glenbrook

Payments on Fire™: Episode 218 – The Technologies, Policies, and Realities of Cross-border Payments

Glenbrook Partners

"Globally, cross-border payments represent $156 trillion annually – roughly 25% of global GDP – and are projected to reach nearly $250 trillion by 2027...In this episode, we’re looking at the rapidly evolving space of cross-border payments with Glenbrook colleagues who have been traveling the globe working extensively with regulators, corporations, and governments on cross-border initiatives."

Glenbrook

Payments on Fire™: Episode 217 – Talking Moonshots with Jared Isaacman, Founder and CEO, Shift4

Glenbrook Partners, LLC

"In this episode, we had the opportunity to talk with Jared Isaacman, Founder and CEO of the Integrated Payments Provider, Shift4. Over the past 24 years, Shift4 has evolved by addressing the unique requirements of merchant categories and sub-categories in the increasingly complex Point of Sale (POS) environment."

Glenbrook

Payments on FireTM: Episode 216 – Fanning the Flames: Payments Post #5

Glenbrook Partners, LLC

"Each month, Justin Pituch recaps the news that got Glenbrook talking in his Payments Post. In a “double feature” for June and July, Justin covered two major themes: 1) organizations responding to greenfield opportunity in fast payments and 2) organizations recalibrating their post-COVID fintech bets."

Glenbrook

Payments Views: Payments Post #5 - Glenbrook's June/July Roundup

Glenbrook Partners, LLC

"This Payments Post covers developments in both June and July. Two major themes span these two months: 1) organizations responding to greenfield opportunity in fast payments and 2) organizations recalibrating their post-COVID fintech bets."

Glenbrook

Payments Views: On the Journey to Fast and Low-Cost Cross-Border Payments (Not Yet at the Destination)

Glenbrook Partners, LLC

"Impetus to improve cross-border payments: Whether you are deep in the cross-border payments space or have sent (or tried to send) a cross-border payment, you know these are not as easy as paying for your morning coffee or sending money to a local friend for last night’s dinner. Domestic payments have become faster, if not instant, and low cost, if not free."

Glenbrook

Payments on Fire™ Live Stream: The Future of Fast Payments in the U.S.

Glenbrook Partners, LLC

"Please join us for the first-ever Payments on Fire Live Stream event, where Glenbrook will be speaking with industry experts from The Clearing House and Federal Reserve Financial Services about the future of fast payments in the U.S."

Glenbrook

Payments Views: Fast Payments, Rich Data

Glenbrook Partners, LLC

"FedNow – the Federal Reserve’s new instant payment service – went live earlier this summer, and it could signal big changes ahead for B2B payments. Why? It comes down to data. B2B payments are rife with data challenges."

Glenbrook

Payments on Fire®: Episode 214 – We Just Can’t Stop Talking About Tokenization

Glenbrook Partners, LLC

"Issuer tokens, network tokens, EMV tokens – whatever you call them – continue to be a hot topic for merchants, payment service providers, issuing banks, processors, and the networks themselves."

Glenbrook

Payments on Fire®: Episode 213 – From the Vault: Payment Tokenization Continues to Roll (Episode 21)

Glenbrook Partners, LLC

"Network tokenization – the promised land of payments. Like most promised lands, the journey there is epic and, well, hard. One question we hear from our clients, workshop participants, and the folks in our Merchant Round Table is: Are we there yet?"