What We Think

Getting in Front of the Boomer Brain Drain

Ten thousand people will retire every day for the next 20 years in the United States.

October 24, 2017

The Year of Living Digitally – Transformation, IDs and Credit Trends for 2018 – by Kris Carrera

2017 showed us that the drive to omnichannel is far more than just hype. In fact, despite widespread geopolitical and financial uncertainty, mobile devices helped connect many consumers to strong economies and active movement of money, whether banking, saving, shopping or investing.

January 18, 2018

PAYMENTS LEADER

2018 Forecast: What’s Next in Payments and Commerce – by Payments Leader

Download the PYMNTS.com eBook to learn about Payments’ future from 39 Global Leaders. Congratulations to Jim Johnson, President of Financial Institution Payments at FIS, who was chosen as one of the 39 executives by PYMNTS.com to represent the payments space.

February 20, 2018

PAYMENTS LEADER

2019 Javelin ID Fraud Study: Targets Move with Increasingly Adverse Effects

Given the agility and tenacity demonstrated by fraudsters in 2018, financial institutions should assume that every account type will be under greater pressure going forward.

March 27, 2019

PAYMENTS LEADER

Don’t Treat SMB Credit Card Clients like Consumers

Today, banks and other financial institutions have an opportunity to create a credit card program designed for small business owners

May 10, 2018

PAYMENTS LEADER

Agile Development for the Digital Age

How a hyper-collaborative approach brings fluid flexibility to product releases.

April 06, 2017

PAYMENTS LEADER

Part 2: Alternative Data – Casting a Wider Net to Unleash Improved Credit-Scoring by Ron Whyte

As I previously explained, there is a revolution underway that will transform – and improve – how lenders obtain the data.

September 11, 2018

PAYMENTS LEADER

A Realistic Approach to Omnichannel Banking

This paper demonstrates a logical series of approaches that collectively form the basis of an omnichannel blueprint for financial institutions.

November 02, 2016

PAYMENTS LEADER

Artificial Intelligence – The New Frontier in Banking, Part 1: Machine Learning Fights Fraud

Focused on machine learning to fight fraud, this is the first article of a two-part series on the deployment of artificial intelligence in banking and questions surrounding the ethical use of data.

November 16, 2017

PAYMENTS LEADER

Artificial Intelligence – The New Frontier in Banking, Part 2: Extending Through the Payment Ecosystem – by Maria Schuld

Focused on applications beyond fighting fraud, this is the second article of a two-part series on the deployment of artificial intelligence in banking.

December 12, 2017

PAYMENTS LEADER

Rise of the Machines: Robots Enhancing Retail Experience – by Dan Peacock

The rapid evolution of artificial intelligence (AI) and robotics have now become a part of everyday life and as they become increasingly more affordable, more industry sectors are getting onboard.

March 15, 2018

PAYMENTS LEADER

Artificial Intelligence Enters the Loyalty Space

Artificial Intelligence (AI) is becoming more relevant in the financial industry every day. Now, AI is being utilized to improve customer loyalty.

May 03, 2018

PAYMENTS LEADER

Where do I…AI? AI as a Service Helps Smaller FIs Compete by Ernie Buday

Artificial Intelligence (AI) already is transforming banking for many of the country’s largest financial services organizations. Fortunately for smaller organizations, AI isn’t out of reach.

December 07, 2018

PAYMENTS LEADER

Long Live ATMs

According to recent studies, the hype behind ATMs being dead is not real. Evidence has shown that cash withdrawals from ATMs have increased over the year

April 26, 2018

PAYMENTS LEADER

Smart Technology Without a Smartphone – by Naveen Nukala

Mobile technology has the ability to ease access to EBT, simplify benefit distribution, eliminate the stigma that consumers attach to payments made with EBT cards and further reduce fraud, as we’ve discussed.

December 26, 2017

PAYMENTS LEADER

SMB Recruiting and Onboarding…for Profit!

Hiring the right people may be the single most important thing a small business owner can do. Good employees can make a business successful.

March 22, 2018

PAYMENTS LEADER

An Rx for Healthy Payments Processing – by Dan Brames

The soaring cost of healthcare in the United States has led to an increasing amount of bad debt faced by medical practices.

January 02, 2018

PAYMENTS LEADER

B2B Payments: What Magic Will It Take to Make Paper Disappear?

A 2015 Payments Leader article discussed the pros of using credit cards for business-to-business (B2B) transactions – less paper, less manual intervention, rebates for users, ability of suppliers to be paid sooner and global acceptance of major credit cards.

March 14, 2019

PAYMENTS LEADER

FIS White Paper

Want to know how your financial institution can use data to identify the opportunities that will fuel your growth trajectory? Click here to download Banking on Analytics: Why Data Is Your Secret Weapon.

January 25, 2018

PAYMENTS LEADER

Bank Portals Can Streamline Digital Charitable Giving

Fundraisers highlight the millions of dollars people digitally pledge to charity every day. But how safe is the cash, & how secure are the payment card details?

October 19, 2017

PAYMENTS LEADER

How to Disrupt the Disruptors in 2018 – by Esther Pigg

The incredible pace of change in 2017, combined with the uncertain regulatory and political environment going forward, and the acceleration of competitive pressures across the payments industry can make 2018 look like the hardest year yet.

December 19, 2017

PAYMENTS LEADER

Managing Change in 2018 – It’s Not a Spectator Sport – by Maria Schuld

With so many competing technology trends – and so many competing predictions about them coming out this time of year – it’s tempting to give in to the status quo and wait until one form of technology proves to be the leader. Unfortunately, remaining on the sidelines in the midst of rapid change is unsustainable.

January 23, 2018

PAYMENTS LEADER

Artificial Intelligence: The Good, the Red Flags and the Bottom Line – by Maria Schuld

I will take my chances against a computer-generated decision any day of the week; it doesn’t have the biases that people have in making decisions.

March 20, 2018

PAYMENTS LEADER

Blockchain: Still in the Proof of Value Stage by Esther Pigg

Last May, I wrote an article entitled, “Blockchain: Mystery or Reality for the Financial Industry?”

November 08, 2018

PAYMENTS LEADER

Blockchain: Mystery or Reality for the Financial Industry? – by Esther Pigg

Blockchain is a complicated mystery to many, but it doesn’t have to be. Here’s a simple description I find helpful: Imagine a spreadsheet (ledger) that is duplicated (distributed) thousands of times across a network of computers (nodes).

May 29, 2018

PAYMENTS LEADER

Building Market Share in a Saturated Debit Card Market

Retail financial institutions (FIs) of all sizes are faced with a saturated debit market in the U.S.

April 03, 2018

PAYMENTS LEADER

Disaster Recovery: Preparing for the Perfect Storm

In the midst of chaos created by catastrophic events such as hurricanes, earthquakes, and terrorism, financial institutions must be able to deliver critical services and provide the short-term support their customers and employees need.

October 26, 2017

Can Predicting Cardholder Behavior Help Reduce Prepaid Costs?

Using behavioral analysis to extend the life of cardholders while reducing costs

March 02, 2017

PAYMENTS LEADER

False Positives: The Unintended Consequences of Mitigating Card-Not-Present Fraud by Maria Schuld

When EMV took hold in the United States, it came as no surprise that card fraud shifted to card-not-present (CNP) transactions.

October 18, 2018

PAYMENTS LEADER

U.S. Card Networks Set Their Sights on Their Larger Competitors by Bob Woodbury

The signature-debit market has been dominated by Visa and Mastercard since its inception over 30 years ago.

October 16, 2018

PAYMENTS LEADER

Are Your Priorities Right When Choosing a Loyalty Partner?

Your loyalty program is one of the key components affecting how consumers view your brand.

November 28, 2017

PAYMENTS LEADER

The Return of the Travelling Salesman: A Retro Retail Paradigm for the Connected Home by Dan Peacock

It may seem counter-intuitive, but today’s online economy is simultaneously leading to a rise in personal consumer contact

November 06, 2018

PAYMENTS LEADER

Ongoing Software Development, Continuous Rollout and No Down Time? Say Hello to DevOps. by Barbara Morgan

To compete with increasing demands around speed and reliability, many software developers have moved toward new DevOps techniques.

October 25, 2018

PAYMENTS LEADER

Convenience, Financial Inclusion and Advocacy: Part 1

Digital payments are evolving & focusing on overcoming the obstacles that keep many unbanked markets around the world to gain more financial inclusion.

June 22, 2017

PAYMENTS LEADER

Commercial Card Value Propositions: More Than Rebates

Commercial cards are prevalent in the market, but issuers have recently lost customers. Here are innovative ways issuers can improve their service value proposition to keep customers.

June 14, 2018

PAYMENTS LEADER

Creating Your Smart Technology Future

Smart technologies – mobile apps, voice control, artificial intelligence and more – are changing the retail landscape. From greater convenience and faster service for consumers to greater operational efficiency and improved customer loyalty for merchants, technology is creating a new world

September 14, 2017

PAYMENTS LEADER

Resolve to Embrace Change

As humans, we are biologically programmed to resist change. But studies show that our aversion to change can be dangerous. After all, everything in life is dynamic. If we’re not prepared for change, we cannot easily adapt to – let alone embrace – unknowns that lie ahead.

February 01, 2018

PAYMENTS LEADER

Financial Institutions Reap Rewards with Credit Card Loyalty Programs by Bob Legters

Google “best credit card rewards” and you’ll get 387 million potential answers, including links to hundreds of websites dedicated to “hacking” reward programs to help customers earn the greatest amount with the least possible effort.

March 19, 2019

PAYMENTS LEADER

Battling Goliath Takes More than a Slingshot – Kris Carrera

Smaller financial institutions face an uphill battle against top banks in attracting young consumers entering the market for financial products, including credit cards.

May 08, 2018

PAYMENTS LEADER

Curiosity as the Driver of Culture, Career Growth and Leadership Development: Part 2 by Dondi Black

Curiosity – that urge to ask, “What if?” – can be a strong driver of innovation, as I highlighted in a recent blog. That’s far from the only benefit, however. Leaders who foster a culture of curiosity within their organizations can use it to achieve stronger growth and improvement.

June 28, 2018

PAYMENTS LEADER

Curiosity as a Driver of Innovation Part I – by Dondi Black

Global companies, such as Disney, have used their customer's curiosity to further drive engagement and grow profit. Now, banks and other financial institutions are following the same path. Learn about the "3 C's" that will help influence your consumers' expectations, and behaviors.

April 19, 2018

PAYMENTS LEADER

Customer-centric Bill Pay by Mike Kresse

Consumers shouldn’t bear the burden of figuring out complicated banking applications and jargon to pay their bills.

November 02, 2018

PAYMENTS LEADER

How Loyalty Programs Could Revolutionize Commerce in India (Part 1) – by David Johnson

Customer loyalty rewards programs are a necessity for today’s payment providers.

December 14, 2017

PAYMENTS LEADER

How Data and Analytics Tools are Reshaping Modern Retail

If merchants want to remain relevant within their industry, it is essential for them to observe, evaluate and adopt emerging trends for long-term success.

November 21, 2017

PAYMENTS LEADER

Digital Transformation: Imperative for Success

Digital banking technology transformations are reshaping the customer's experience in banking. See what every bank must consider to refine their digital experience.

June 07, 2018

PAYMENTS LEADER

The Rise of Digital Cards for Instant Rewards and Incentives by Jerry Uffner

The on-going digitization of payments isn’t just about eliminating checks and cash, or even about the rise of digital cards and wallets.

October 11, 2018

PAYMENTS LEADER

Preparing for Payments Perfect Storm

Millennials have a growing need for digital payments and self-service banking. Learn how to get ready for the digital banking transformation here.

June 21, 2018

PAYMENTS LEADER

The Death of Cash and Checks? by Leah Middlebrook

Computers and smartphones have forever changed the way we make payments and manage finances. But their biggest change may be our expectations.

August 03, 2018

PAYMENTS LEADER

Grab the Wheel Before Connected Cars Drive Off by Dan Peacock

Big data and the Internet of Things are enhancing driver safety, car diagnostics and the delivery of new services through connected cars.

September 05, 2018

PAYMENTS LEADER

Cracking the eCommerce Checkout Code by Sri Kothur

Preference for online shopping is growing – particularly amongst younger consumers – and merchants must adapt. The digital experience must be at least on par and in sync with the in-store experience or retailers risk losing sales.

August 10, 2018

PAYMENTS LEADER

Driving B2B Electronic Payment Automation for Accounts Payable and Receivable

Accounts payable & receivable can be a long process, but B2B electronic payment automation can help. Here are payment solutions to improve these processes.

June 26, 2018

PAYMENTS LEADER

‘Alexa, Open EBT’ – by Naveen Nukala

Developed by FIS, this new skill will ease access for disabled and elderly recipients of government assistance, especially those who are housebound or lack family support.

February 15, 2018

PAYMENTS LEADER

EBT Payments Evolve to Enable Recipients

EBT recipients have faced problems in paying their bills & shopping, especially shopping online. Now, new technologies will solve many EBT recipients' problems.

August 10, 2017

PAYMENTS LEADER

Flipping the Model for EBT Transactions with QR Codes by Naveen Nukala

It can be hard for EBT recipients to buy fresh produce because farmer's markets usually only take cash. Find out how QR codes could help make this easier!

July 05, 2018

PAYMENTS LEADER

Time for a Smart EBT Upgrade to Improve the User Experience (UX) By David Johnson

All aspects of the financial world – from international cross-border payments to the distribution of federal benefits to low-income families – are digitizing.

July 10, 2018

PAYMENTS LEADER

The State of EMV: Card Not Present Fraud Escalates Globally Comments

Currently, 97 percent of FIS' credit issuers are issuing EMV cards, while just under 70 percent of debit issuers are issuing EMV cards.

August 08, 2017

PAYMENTS LEADER

Are You Ready for Contactless Payments?

“Get ready, get set for the contactless reboot” was the essence of a recent Payments Leader blog advising all issuers to prepare for enabling contactless payments.

July 17, 2018

PAYMENTS LEADER

EMV Phase Two: Contactless Payments

With EMV migration still ongoing, is the U.S. ready for dual-interface cards?

April 14, 2017

PAYMENTS LEADER

Enable a New Launch Mode for Product Adoption

FIS is driving the revolution in how financial institutions are launching new products & services. Learn about these new strategies that help drive fintechs toward success.

May 24, 2018

PAYMENTS LEADER

Energizing Communities in Declining Markets

Bringing the financially underserved into mainstream banking.

March 30, 2017

PAYMENTS LEADER

Enhancing the Customer Experience through Geolocation-based Engagement by Trevor Mast

The customer experience can be further personalized by utilizing geolocation targeting. Find out how this technology can help improve overall brand experience.

July 24, 2018

PAYMENTS LEADER

Making the Most of Your Investment in Fighting Cyber Fraud

A recent Krebs report of how employees at a regional community bank fell victim to phishing emails serves as a $2.4 million reminder of the difficulty in fighting cyber fraud.

August 07, 2018

PAYMENTS LEADER

Financial Inclusion – Learning Lessons from Emerging Markets

With mobile phone penetration in emerging economies at a higher rate than bank accounts, telecommunications companies have offered phone-based payment services

June 08, 2017

PAYMENTS LEADER

Bringing a Digital Smile to the Customer Experience

Banks and other financial institutions have been working to strike a balance in customer service between digital and physical channels.

March 27, 2018

PAYMENTS LEADER

Finding the Hidden Value of Your Loyalty Program’s Indirect Benefits

To make sure your loyalty program truly meets all the needs of your financial institution, it’s vital that you measure its direct benefits as well as its indirect ones.

March 14, 2017

PAYMENTS LEADER

Faster, Smarter, Cheaper: How Innovation Labs are Catalysts for Accelerated Hyper-growth by Leah Middlebrook

Fintech innovation labs are an effective part of creating value during product R & D. See how this strategy has inspired the payments technology we use today.

December 18, 2018

PAYMENTS LEADER

Javelin and FIS White Paper

Over the past several of years, credit card fraud has been on the rise making financial institutions and issuers more vulnerable.

April 24, 2018

PAYMENTS LEADER

FIS Success Guide: Now is the Time for Faster Payments

In 2017, the Federal Reserve’s Faster Payments Task Force set a goal to make faster payments an option for every customer and business transaction by 2020.

July 26, 2018

PAYMENTS LEADER

A Look Ahead to 2018: Grab the Handrail

From every direction, you can see the tremendous transformation that’s happening in payments. But blink for one moment, and you’ve missed another technology change in the payments ecosystem.

January 09, 2018

PAYMENTS LEADER

Four Pointers for Building a Purpose-Driven Institution by Ellyn Raftery

“Let purpose be your driving force.” FIS Chief Marketing and Strategy Officer Ellyn Raftery talks with Financial Brand readers about the need for brands to align with societal causes that are important to younger generations to differentiate themselves.

March 21, 2019

PAYMENTS LEADER

From Global to Local: Nine Ways That Payments Are Shrinking the World

As we see payments technologies evolve, the boundaries between nations are starting to quickly disappear. It will continue to be an amazing transition.

October 12, 2017

PAYMENTS LEADER

Financial Institutions Must Connect with Millennials and Gen Z Now

Their youth, coupled with the potential for deep student loan debt, makes it easy for financial institutions to consider postponing active pursuits of millennials and Generation Z.

July 12, 2018

PAYMENTS LEADER

Gauging Product Profitability: Don’t Let Intuition Stand in the Way of the Truth

Without a robust profitability model, companies have nothing but sales, margin and intuition to gauge product performance. The trouble is that sales and margins don’t tell the whole story and intuition often fails us. Data is what tells the truth.

March 12, 2019

PAYMENTS LEADER

Go-faster B2C Payments Dropping Checks and Cash

Automated Clearing House (ACH) payments reconcile faster than checks, they provide transparency, & their security and fraud protection is greater than paper.

July 25, 2017

PAYMENTS LEADER

Growing Loyalty Through Co-branded and Affinity Credit Cards

The interest in affinity & co-branding of credit cards is fast becoming a central pillar of customer loyalty, & cross-sell opportunities for merchants.

July 13, 2017

PAYMENTS LEADER

Good Bye Expedited Payments. Hello Real Time. by Mike Kresse

Real-time payments are poised to become part of financial institutions

January 17, 2019

PAYMENTS LEADER

Helping Your Customers Save by Rounding Up

New tools are launching that roundup payments to the next dollar to support saving and giving:when a payment is made, these tools take the money between the actual cost of the bill and the next dollar and deposit the difference in a savings account.

May 23, 2017

PAYMENTS LEADER

How to Painlessly Modernize and Renovate ACH Processing for Decades

As the world continues towards real-time payments, ACH payments could soon be outdated. See what banks are doing to renovate & modernize their ACH payment processing.

May 31, 2018

PAYMENTS LEADER

Identity Fraud: The Battle Continues

In today’s world of digital commerce, consumers expect to be able to bank and shop anytime, anywhere, but as we migrate to online and mobile channels, the potential for fraud and identity theft grows exponentially.

October 17, 2017

PAYMENTS LEADER

Implications of Europe’s GDPR & PSD2 on the United States

GDPR imposes new rules on organizations that store information on European citizens, & stipulates that they need customer consent before sharing data.

June 27, 2017

PAYMENTS LEADER

Improve your B2B payment with e-invoicing

The world of B2B payments has historically been slow to embrace the digital revolution. Electronic invoicing is still haphazard between small & large business

September 21, 2017

PAYMENTS LEADER

How Loyalty Programs Could Revolutionize Commerce in India (Part II) – by David Johnson with Kyle Lulofs

Happy New Year and welcome to the continuation of our discussion on India and the potential influence loyalty can have on consumers migrating toward digital commerce.

January 16, 2018

PAYMENTS LEADER

Embracing the New Payments Normal: Instant, Intelligent and Secure

The way people make payments is changing faster than any other area of financial services. Whether it’s that last Uber or Lyft ride, or the first trip to the Amazon Go store, your customers’ experiences in industries outside of financial services are driving new expectations when it comes to making payments.

February 27, 2018

PAYMENTS LEADER

Investing in Relationships – Using Resources Wisely

Recently, FIS launched its inaugural Retail Payments Summit as part of our annual FIS Connect client conference. Listening to so many clients discuss their successes, I was struck by how important it is for companies to invest in building relationships, not just solutions.

May 18, 2017

PAYMENTS LEADER

Maintaining Brand Identity as Payments Become Invisible by Kris Carrera

Contactless payments – widely used around the globe – are coming in full force to the United States. Tapping will replace dipping and swiping – a seemingly simple change for cardholders, many of whom are already tapping their phones at contactless-enabled terminals.

July 19, 2018

PAYMENTS LEADER

Is Loyalty the New Currency?

For over a hundred years, loyalty programs have changed the way consumers interact with the companies from which they purchase products and services.

June 29, 2017

PAYMENTS LEADER

ISVs Integrate Payments to Achieve a Holistic View by Sri Kothur

Today’s independent software vendor (ISV) market resembles the Wild

January 15, 2019

PAYMENTS LEADER

Loyalty Innovation Provides a Competitive Edge

What could other types of retail outlets use a real-time, POS-based customer rewards program to improve engagement? Immediate response and gratification are the expectation of almost every modern consumer. In the world of Amazon Prime, a survey by A.T. Kearney last year found that only seven percent of people reported that they were willing to wait six or more days for a delivery.

June 01, 2017

PAYMENTS LEADER

Loyalty Programs Evolve to Meet Changing Consumer Preferences – by Mladen Vladic

Loyalty programs remain an important tool for merchants to attract and retain top consumers. However, traditional programs – those where currency comes in the form of points or cashback – no longer work the way they once did. To motivate modern consumers, you must integrate with their lifestyles and that’s where technology can help.

February 06, 2018

PAYMENTS LEADER

Machines Are Key to Creating, Growing and Maintaining eCommerce Relationships by Sri Kothur

While ecommerce only accounts for about 10 percent of total retail sales

September 11, 2018

PAYMENTS LEADER

Making Payments Pay for Your Business – by Ernie Buday

Payments are the most relationship-oriented and offer the most frequent interactions with customers of all products offered by financial institutions. This is especially true as we continue the migration to fully digital payments. Yet, many financial institutions are leaving money on the table when it comes to payments.

April 12, 2018

PAYMENTS LEADER

Managing Card Compromises – Not One Size for All by Jennifer Gardner

It is a familiar story: a merchant database is attacked; an unknown number of cards are compromised and all cards are reissued. No one wins – the cardholders are inconvenienced and the card issuer pays the price – but the fraud, at least, is mitigated.

July 03, 2018

PAYMENTS LEADER

The 5 Unavoidable Market Forces Driving Convergence in the Evolving Payments Ecosystem by Serena Smith

Payments convergence is presenting payment providers with new opportunities and pressures. Revenue is shrinking for many, but payment speed, volumes and processing complexity continue to increase.

October 30, 2018

PAYMENTS LEADER

Market Segmentation: The First Step in Achieving Product Profitability by Sandra Blair

Market segmentation is based on the premise that companies don’t have sufficient resources to be everything to everyone.

July 31, 2018

PAYMENTS LEADER

Members Love Their Credit Unions, But Still Look to Banks and Other Financials…Why? by Maria Schuld

How a hyper-collaborative approach brings fluid flexibility to product releases.

November 27, 2018

PAYMENTS LEADER

Minimizing Risk to Maximize Return on Your Product Rollout

Financial institutions must work to understand how a product could fail, proactively address those risks and fully consider the needs of the customers for whom the product should have been designed.

March 21, 2017

PAYMENTS LEADER

Mobile Apps Give Instant Gratification in an On-Demand World: Part 1

The new, on-demand economy in the United States relies on a broad and highly engaged base of consumers attracted by mobile app technology, seamless payment transactions, customer convenience, and immediacy.

September 26, 2017

PAYMENTS LEADER

Mobile Wallets to Boost Convenience for EBT Recipients

Mobile wallets for EBT will support more convenient access to benefits for people who often have accessibility problems and help people optimize the limited funds they receive.

May 11, 2017

PAYMENTS LEADER

Highlights from the Best Retail Conference of the Year – The 2018 NRF Big Show! – by Dan Peacock

This year’s National Retail Federation (NRF) Big Show was particularly strong when it came to discussing how to shift your future to meet the needs of your customers. Here are some highlights of the event I thought were particularly interesting.

January 30, 2018

PAYMENTS LEADER

New Types of Loyalty Rewards Boost Cardholder Acquisition and Retention – by Mladen Vladic

Competition for credit card customers is heating up. To stay ahead of the pack, issuers are reinvigorating their programs with new loyalty rewards that reduce friction in communications, engagement and redemption experience.

March 06, 2018

PAYMENTS LEADER

Shed the Prepaid Stereotypes for New Possibilities – by Ernie Buday

Convenience and the ability to limit risk have dramatically expanded the draw for prepaid products.

January 04, 2018

PAYMENTS LEADER

Omnichannel at the Core of the Digital Bank Target Operating Model – by Kris Carrera

The environment in which banks operate today is increasingly complex, where fundamental definitions of how customers interact and experience a bank are being totally rewritten.

January 11, 2018

PAYMENTS LEADER

Easing the Path to Purchase with Customer Journey Mapping – by Dan Peacock

In a competitive environment where market share is driven directly by the customer, improving customer engagement is vital to develop lasting relationships.

December 21, 2017

PAYMENTS LEADER

Omnichannel Strategies For Merchants

Payments don’t deliver omnichannel strategy, but the ease with which they can be made is key to omnichannel success. So how can payments support a seamless omnichannel strategy and frictionless customer experience?

May 04, 2017

PAYMENTS LEADER

Open Up to Stay Relevant by Bruce Jennings

Today’s banking customers no longer compare financial institutions themselves. They compare experiences.

October 23, 2018

PAYMENTS LEADER

A Path to P2P Revenue by Mike Kresse

Person-to-person (P2P) payments are growing in popularity. While that’s driving financial institutions to compete and offer it, P2P comes at a significant expense.

October 04, 2018

PAYMENTS LEADER

Payment Processors & the “Nines”

As a payment processor, we've assumed that any cash equivalent payment – debit cards, prepaid cards & EBT cards – should be as reliable and immediate as cash.

August 01, 2017

PAYMENTS LEADER

The Year in Review: How the Payments Ecosystem Evolved – by Jim Johnson

This year was predicted to be a time of focused transition in the payments arena. FIS’ EVP of payments, Bruce Lowthers, said he expected companies would change direction from chasing the latest technology trend to focusing on connecting innovation to consumer value propositions.

December 28, 2017

PAYMENTS LEADER

Re-engineering for Consumer Expectations – by Jim Johnson

Two important shifts recently occurred in the United States: Gen X surpassed baby boomers in spending power and Millennials became the largest segment of the workforce.

March 13, 2018

PAYMENTS LEADER

Payments Summit 2018 – Empowered Success!

This past week in Orlando, FL was a whirlwind of client meetings, breakout sessions, special speakers and events, and an overall great time at the 2018 Payments Summit at FIS Connect!

April 17, 2018

PAYMENTS LEADER

2019 Look Forward: Payment Transformation Keeps Up the Record Pace by Jim Johnson

As a runner and history buff, I’ve considered how it took decades

January 08, 2019

PAYMENTS LEADER

Line-Busting Technology: The Waiting Is Over

Consumers in a hurry often avoid restaurants where they’ve experienced a long wait when paying their bill.

November 07, 2017

PAYMENTS LEADER

Personalization and Credit Cards are Changing the Face of Credit Unions – by Kris Carrera

Once regarded as the preserve of lower-paid families who would otherwise struggle to obtain a mortgage or bank account, the credit union market is booming.

February 22, 2018

PAYMENTS LEADER

Prepaid NOW: The New Bank Account – Webinar with FIS and Aite – by Payments Leader

Watch the Prepaid Now: The New Bank Account webinar and use the password FISrecording2018 when promoted.

March 01, 2018

PAYMENTS LEADER

Rethinking Easy Money Through Prepaid by Jerry Uffner

Despite years of predictions about its demise, prepaid continues to gain momentum. Increasingly, millennials, Gen-Xers and those in new markets are turning to prepaid as a frictionless way

August 17, 2018

PAYMENTS LEADER

The QR Code Resurgence: How Street Vendors in Asia Lead the Digital Payment Revolution

Asian economies have surpassed supposedly more advanced markets in the number and value of mobile transactions and it’s all thanks to QR codes.

October 02, 2018

PAYMENTS LEADER

Beyond Instant P2P – Real-time Payments for Retailers, SMEs and Businesses

Real-time payments – systems that transfer and settle transactions almost instantly – are becoming the norm worldwide. Numerous countries already offer well-established services, and more are under development.

July 05, 2018

PAYMENTS LEADER

Reinvigorating Your Digital Strategy

Get your digital game face on – added-value marketing with a sense of fun

March 16, 2017

PAYMENTS LEADER

Differentiate Your Brand and Reward Your Customers with Financial Education by Maria Schuld

Consumers’ financial aspirations do not meet reality, as the 2018 FIS PACE™ report firmly demonstrated.

August 21, 2018

PAYMENTS LEADER

Retailers Combat the “Amazon Effect” with New Technologies by Dan Brames

Amazon has quickened the pace of retail evolution and redefined the retail landscape, just as Walmart did decades ago when it moved onto Main Street.

November 14, 2018

PAYMENTS LEADER

Is POS Headed to the Graveyard? – by Dan Brames

Large sums of money have been applied to securing and speeding up payments at the point of sale – implementation of EMV and investment in NFC, for example. Juniper Research predicts that more than half of global transactions and one-third of U.S. transactions will be contactless by 2022, requiring more investment in POS technology.

February 13, 2018

PAYMENTS LEADER

Contactless Payments Reboot: Get Ready, Get Set

From retail stores to mass transit systems, the use of contactless payments is on the rise, but there are still many merchants and card issuers that have yet to adapt.

May 17, 2018

PAYMENTS LEADER

Augmenting the Retail Reality In-store and Online – by Dan Peacock

Retailers don’t have to sit back and watch as their customers leave their stores to buy online or via digital channels.

May 01, 2018

PAYMENTS LEADER

Revolutionizing Retail with Wearables

New wearable technology represents the POS frontline

May 25, 2017

PAYMENTS LEADER

Reinvigorating Education Through Rewards – by Trevor Mast

On the surface, the growing number of reward schemes being introduced into educational establishments may seem somewhat trivial. While you may be tempted to ask if students will start receiving medals simply for showing up, these schemes are intended to improve the entire educational ecosystem

February 08, 2018

PAYMENTS LEADER

Serena Smith Named One of the Most Influential Women of the Year

Serena Smith has been named one of PaymentsSource’s Most Influential Women of the Year!

March 07, 2017

PAYMENTS LEADER

Sharing Funds Across Families, Groups and Small Business with Prepaid & Mobile

Companies of all sizes have daily needs for which employees must purchase goods and services. But transferring the funds so that expenses reconcile quickly and efficiently has been anything but easy.

August 03, 2017

PAYMENTS LEADER

Shopping in the Moment with Contextual Me-commerce

Retailers put their efforts to compete against the e-commerce giants, their survival may depend on using online & mobile to better know who their customer.

July 20, 2017

PAYMENTS LEADER

Six Steps to Enable A Successful Product Launch by Sandra Blair

Across industries, one-quarter of revenues and profits come from launching new products and services, according to McKinsey & Company. However, failures rates of launches remain high – around 40 percent – regardless of product complexity or the amount of money spent on introducing a new product.

November 29, 2018

PAYMENTS LEADER

Why Are Card Based Authentication Technologies Not Gaining Traction? – by Bastian Knoppers

While EMV chip cards were designed to reduce card-present fraud, combatting card not present (CNP) fraud remains a problem for merchants and issuers.

June 05, 2018

PAYMENTS LEADER

NEXT ARTICLE Merchant Service Hubs: The One-stop Shop for Small Business Owners

From managing the books to social media marketing, small business owners have a lot on their plate. Learn how merchant services hubs can benefit small business owners.

May 22, 2018

PAYMENTS LEADER

Smart Card Alliance Features FIS Senior VP, Bob Woodbury

In this first issue of 2017, Smart Card Talk spoke with Bob Woodbury, senior vice president of FIS.

February 13, 2017

PAYMENTS LEADER

Smart Payments: An Imperative for IoT Lifestyles

The tasks consumers can ask voice assistants to perform continues to grow as manufacturers & service companies integrate skills into a wide range of products.

April 10, 2018

PAYMENTS LEADER

The Changing Face of Retail Marketing in a Digital Marketplace

The digital marketplace has created a new breed of retail consumers and merchants have never been more challenged to reach them.

November 09, 2017

PAYMENTS LEADER

Revisiting Streamlined Expense Management with Prepaid Cards

We turned out to be correct when we described opportunities available in the market for prepaid as an expense management solution, last year

October 10, 2017

PAYMENTS LEADER

The Path to Collaboration by Brian O’Neill

When collaboration works well, companies win big through improved client experiences, engaged workforces, higher productivity, faster decisions and more agile product development.

June 19, 2018

PAYMENTS LEADER

Target Operating Models to Get Your House in Order – by Kris Carrera

A solid foundation is as important to your house as it is to your financial institution.

November 30, 2017

PAYMENTS LEADER

Delivering a Frictionless, End-to-End Consumer Experience – by Dan Brames

Creating a frictionless consumer experience requires more than ease of payment at the point-of-sale.

December 07, 2017

PAYMENTS LEADER

The Art of the Invisible Payment

Invisible payments are quickly becoming mainstream, with a variety of approaches designed to make paying invisible and effortless.

February 16, 2017

PAYMENTS LEADER

The Future of POS – From Payment Origination to Business Management Tool

Modern POS systems have changed radically from simple card readers to a vital piece of the in-store retail experience.

June 20, 2018

PAYMENTS LEADER

Three Big Drivers of the Payments Revolution: Lean In or Lose Out by Dondi Black

From global markets to Mainstreet U.S.A., the payments ecosystem transformation is happening at a quickening pace driven by a variety of factors including changes in regulations, emerging technologies, and shifts – sometimes subtle, sometimes dramatic – in consumers’ attitudes and behaviors.

December 04, 2018

PAYMENTS LEADER

EBT Eligibility: Three Steps to Fight Fraud from the Get Go

Although the number of cases continues to drop, fraud among supplemental nutritional assistance program (SNAP) beneficiaries, there are still challenges when it comes to verifying EBT eligibility. Learn about these three helpful steps on how EBT processors can fight against EBT eligibility fraud.

May 15, 2018

PAYMENTS LEADER

To Beacon or Not to Beacon

Beacons allow merchants to send deals, & advertisements to a customer's smartphone based on their location. They also help collect consumer shopping data.

July 11, 2017

PAYMENTS LEADER

Thoughtful Leadership: Top Banks Do the Right Thing for EBT Recipients

Did you know the average EBT cardholder only receives about $125 monthly in supplemental food benefits – about $1.40 per meal? Or that the average ATM surcharge is about $3 – two meals worth?

February 21, 2019

PAYMENTS LEADER

Where to Start to Transform and Modernize? Revisit Your Strategy

Among the many discussions about how to modernize and transform companies in response to disruptive forces, Dell EMC CTO John Roese states that the IT industry faces a critical transitional phase:

March 07, 2019

PAYMENTS LEADER

Convergence in the New World of Unified Payments by Bruce Jennings

Old payment mechanisms may never die. But the digital revolution has created ever-increasing numbers of mechanisms.

August 15, 2018

PAYMENTS LEADER

A Unique Loyalty Promotion to Differentiate Your Brand

Customer loyalty is important to any brand, but the soft benefits of some customer loyalty programs & promotions leave lasting advocacy and positive word of mouth.

June 12, 2018

PAYMENTS LEADER

Upselling Through Prepaid

Encouraging prepaid customers into a lifelong banking relationship

April 25, 2017

PAYMENTS LEADER

Welcome aboard! Navigating leadership

Ships come in all shapes and sizes and serve many different purposes. That said, there is only one ship that you build, operate and most importantly, navigate – that is your leadership.

May 02, 2017

PAYMENTS LEADER

What’s Up with Your Social Media Presence That You Don’t Know About?

How do you keep track of your company’s social media presence?

June 15, 2018

PAYMENTS LEADER

Why Your Gift Card Program Needs a Christmas in July

Most merchants don't start their holiday gift card program until the after school rush. To truly take advantage of this opportunity, merchants should start now!

July 18, 2017

PAYMENTS LEADER

The Fast-Closing Window for Going Digital – by Bob Legters

Almost half of the banking customers already can be considered digital-only, according to The Financial Brand.

March 08, 2018

PAYMENTS LEADER

Want to Retain Valuable Women in Your Company? Start at the Grassroots

Women are exiting the financial services industry faster than men, & faster than they leave other industries. What is being done to stop this trend?

August 15, 2017

PAYMENTS LEADER

Is Zelle the Payment Platform to Keep Banking Providers in the Game? by Mike Kresse

Growth of person-to-person (P2P) payments shows no signs of slowing.

August 30, 2018

PAYMENTS LEADER

Financial Institutions Go Open with API Hubs

An Open Application Program Interfaces (APIs) Hub is key to delivering exceptional customer experiences. Learn why this is the foundation for better customer service.

May 23, 2019

PAYMENTS LEADER

Three New Reasons Direct Banks Are Dominating

New data shows that direct banks outpace competitors when it comes to customer satisfaction -- but what makes that customer relationship so unique?

May 16, 2019

PAYMENTS LEADER

Multi-layered and Interlaced Digital ID’s are an Easy, Secure Way to Identify Customers by Matt Collicoat

Multi-layered and interlaced digital ID's are an easy, secure way to identify customers. Learn how this technology is shaping the new world of payment technology.

May 02, 2019

PAYMENTS LEADER

How New Data Control Changes Will Impact Banks and Consumers By Bob Legters

In the past year, topics surrounding consumer controls and how data can be used came front and center.

April 23, 2019

PAYMENTS LEADER

Latest Trends in Retail Payments Puts Consumers in the Driver’s Seat by Ernie Buday

To stay competitive, retailers are shifting their investment strategies from growth via new stores to big investments in new digital-first sales models.

April 11, 2019

PAYMENTS LEADER

Client Enablement Onboards with Agility by Michael Tostrud, FIS SVP, General Manager of Client Enablement

Innovations from fintechs have greatly expanded the array of choices for both consumers and businesses.

April 09, 2019

PAYMENTS LEADER

Artificial Intelligence & the Fight Against Card Fraud

Machine learning and artificial intelligence are two tools being harnessed in the financial world to protect consumers from fraud. See how fraud prevention is changing.

FEATURED STORIES

Staying the course with crypto

ESG factors in commercial lending

How will climate risk impact insurers?

What's changing in online shopping

WHAT WE THINK

Getting in Front of the Boomer Brain Drain

The Year of Living Digitally – Transformation, IDs and Credit Trends for 2018 – by Kris Carrera

2018 Forecast: What’s Next in Payments and Commerce – by Payments Leader

2019 Javelin ID Fraud Study: Targets Move with Increasingly Adverse Effects

Don’t Treat SMB Credit Card Clients like Consumers

Agile Development for the Digital Age

Part 2: Alternative Data – Casting a Wider Net to Unleash Improved Credit-Scoring by Ron Whyte

A Realistic Approach to Omnichannel Banking

Artificial Intelligence – The New Frontier in Banking, Part 1: Machine Learning Fights Fraud

Artificial Intelligence – The New Frontier in Banking, Part 2: Extending Through the Payment Ecosystem – by Maria Schuld

Rise of the Machines: Robots Enhancing Retail Experience – by Dan Peacock

Artificial Intelligence Enters the Loyalty Space

Where do I…AI? AI as a Service Helps Smaller FIs Compete by Ernie Buday

Long Live ATMs

Smart Technology Without a Smartphone – by Naveen Nukala

SMB Recruiting and Onboarding…for Profit!

An Rx for Healthy Payments Processing – by Dan Brames

B2B Payments: What Magic Will It Take to Make Paper Disappear?

FIS White Paper

Bank Portals Can Streamline Digital Charitable Giving

How to Disrupt the Disruptors in 2018 – by Esther Pigg

Managing Change in 2018 – It’s Not a Spectator Sport – by Maria Schuld

Artificial Intelligence: The Good, the Red Flags and the Bottom Line – by Maria Schuld

Blockchain: Still in the Proof of Value Stage by Esther Pigg

Blockchain: Mystery or Reality for the Financial Industry? – by Esther Pigg

Building Market Share in a Saturated Debit Card Market

Disaster Recovery: Preparing for the Perfect Storm

Can Predicting Cardholder Behavior Help Reduce Prepaid Costs?

False Positives: The Unintended Consequences of Mitigating Card-Not-Present Fraud by Maria Schuld

U.S. Card Networks Set Their Sights on Their Larger Competitors by Bob Woodbury

Are Your Priorities Right When Choosing a Loyalty Partner?

The Return of the Travelling Salesman: A Retro Retail Paradigm for the Connected Home by Dan Peacock

Ongoing Software Development, Continuous Rollout and No Down Time? Say Hello to DevOps. by Barbara Morgan

Convenience, Financial Inclusion and Advocacy: Part 1

Commercial Card Value Propositions: More Than Rebates

Creating Your Smart Technology Future

Resolve to Embrace Change

Financial Institutions Reap Rewards with Credit Card Loyalty Programs by Bob Legters

Battling Goliath Takes More than a Slingshot – Kris Carrera

Curiosity as the Driver of Culture, Career Growth and Leadership Development: Part 2 by Dondi Black

Curiosity as a Driver of Innovation Part I – by Dondi Black

Customer-centric Bill Pay by Mike Kresse

How Loyalty Programs Could Revolutionize Commerce in India (Part 1) – by David Johnson

How Data and Analytics Tools are Reshaping Modern Retail

Digital Transformation: Imperative for Success

The Rise of Digital Cards for Instant Rewards and Incentives by Jerry Uffner

Preparing for Payments Perfect Storm

The Death of Cash and Checks? by Leah Middlebrook

Grab the Wheel Before Connected Cars Drive Off by Dan Peacock

Cracking the eCommerce Checkout Code by Sri Kothur

Driving B2B Electronic Payment Automation for Accounts Payable and Receivable

‘Alexa, Open EBT’ – by Naveen Nukala

EBT Payments Evolve to Enable Recipients

Flipping the Model for EBT Transactions with QR Codes by Naveen Nukala

Time for a Smart EBT Upgrade to Improve the User Experience (UX) By David Johnson

The State of EMV: Card Not Present Fraud Escalates Globally Comments

Are You Ready for Contactless Payments?

EMV Phase Two: Contactless Payments

Enable a New Launch Mode for Product Adoption

Energizing Communities in Declining Markets

Enhancing the Customer Experience through Geolocation-based Engagement by Trevor Mast

Making the Most of Your Investment in Fighting Cyber Fraud

Financial Inclusion – Learning Lessons from Emerging Markets

Bringing a Digital Smile to the Customer Experience

Finding the Hidden Value of Your Loyalty Program’s Indirect Benefits

Faster, Smarter, Cheaper: How Innovation Labs are Catalysts for Accelerated Hyper-growth by Leah Middlebrook

Javelin and FIS White Paper

FIS Success Guide: Now is the Time for Faster Payments

A Look Ahead to 2018: Grab the Handrail

Four Pointers for Building a Purpose-Driven Institution by Ellyn Raftery

From Global to Local: Nine Ways That Payments Are Shrinking the World

Financial Institutions Must Connect with Millennials and Gen Z Now

Gauging Product Profitability: Don’t Let Intuition Stand in the Way of the Truth