Reflections: Back to the Future

Today, Glenbrook celebrates its 15th birthday. It’s been quite a journey – an amazing one in so many ways – yet it also sometimes feels like we’re still on Day One! There’s so much happening in payments – and, more broadly, in commerce, financial...

Merchants Go on Offense in Digital Payments

The evolution of the digital wallet has seemed to accelerate in recent months, weeks and days, led, in my mind, by some important payment product launches by the retail community. These developments combine the long-standing heft and influence of America’s largest...

EMV’s Not-Very-Even Distribution

At our Glenbrook Payments Boot Camps, we often quote futurist and novelist William Gibson’s 1993 remark that “the future is already here — it’s just not very evenly distributed” in order to demonstrate that different payment methods take varying amounts of time...

India – A Good Approach for Financial Inclusion

You may have heard about the Reserve Bank of India’s decision to create a new category of “payments banks”. Recently, the Reserve Bank of India approved 11 applicant institutions (out of 41 who had applied) to start the process of becoming licensed. The group includes...

What’s Next for US Payments

We’ve spent so much time the past several years obsessing about how mobile proximity payments would be deployed in the U.S. and the rest of the developed world. Now we know. This week, Apple Pay celebrates the first anniversary of its launch, and a new generation of...