by George Peabody | Aug 24, 2017
Interchange is fundamental to open loop card system economics and a mystery to many, especially to merchants who must pay it but don’t perceive any benefit from it. It’s a non-optional component of what the merchant pays to accept cards. It’s one...
by George Peabody | Aug 11, 2017
B2B payments are huge. Taken together, these supply chain payments exceed the gross domestic product. But supply chain payments remain an imperfect art. While consumers pay for one purchase at a time, a B2B payment may cover multiple invoices, each with different...
by George Peabody | Jul 28, 2017
Consumer billing payments get complicated in the healthcare space. Co-payments are bigger than ever as are the medical bills. Consumers need prompting to pay and even incentives to get those big bill onto a payment plan. With higher co-payments, smaller insurance...
by George Peabody | Oct 10, 2016
Faster payments, B2B payments, international remittances, cross-currency, and cross-border payments. These are hot topics and major challenges the payments industry must address. Central to all is the ability to represent, in an interoperable fashion, the information...
by George Peabody | Aug 5, 2016
Bitcoin’s reliability and transaction-level security has inspired today’s explosion of blockchain pilots, companies, and consortia. But the bitcoin rails already have solid commercial applications. Circle Internet Finance has focused on person to person...
