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IT Sucks, but it doesn't have to! The tech experts from Burgess Technology Services share their wisdom on technology issues, especially related to business technology.

News

Tamara chats with Network Engineer Micah Simmler about his time with Burgess, tech-related hobbies, and what he'd like to see for the future of technology. Micah celebrates 10 Years with Team BTS in November of this year.  Find additional episodes at IT Sucks Podcast.com. Learn more about Burgess Technology Services at BTSMaine.com.       

Staff Spotlight: Micah Simmler

Mike and Matt share insights with regard to tools and discounts available to non-profits, (Microsoft, HP, Lenovo, Dell, Tech Soup, Quickbooks and others) and a few of our favorite non-profits share their tech wish lists and how our listeners can help!  For more information, visit: www.btsmaine.com www.bathymca.org www.bathfoodbank.org www.bbbsbathbrunswick.org www.midcoastyouth.org  

Tech Tools for Non-Profits

Matt and Tamara talk about Hunting Technology. Technology changes: https://community.legendarywhitetails.com/blog/3-technological-advances-that-changed-hunting-forever/ SpyPoint Cell Adapter: https://www.cabelas.com/shop/en/spypoint-cell-link-universal-cellular-adapter Outdoor Hub – Deer Hunting Tech: https://www.outdoorhub.com/deer-hunting-technology/ Quiver App: https://www.quiverapp.co/ GhostStop: https://www.ghoststop.com/rem-pod-with-temp/ ANT scope: https://www.atncorp.com/smart-hd-weapon-sight Hunt Stamp App: https://huntstand.com/ Trail Cams: https://www.digitalcameraworld.com/buying-guides/best-trail-cameras Hunting GPS: https://outdoorwilds.com/best-hunting-gps-under-200/ Deer on the trail cam. (referenced by Matt)   For more information on Burgess Technology Services and Maine Business IT Support, visit www.btsmaine.com or email podcast@btsmaine.com

Hunting Technology

Dr. Frank Appunn, Professor of Information Technology Management speaks to BTS about the evolution of Cybersecurity, relevant degree programs at Thomas College in Waterville, and the vast career opportunities in the field.   For more information on topics referenced:  www.thomas.edu www.btsmaine.com Security Awareness Training:  https://www.burgesstechnologyservices.com/business-it-support-services/security-awareness-training FireEye Breach: https://www.reuters.com/article/us-fireeye-cyber-idUSKBN28I31E Huawei:  https://www.forbes.com/sites/georgecalhoun/2021/09/27/the-huawei-hostage-crisis-is-not-over-it-has-escalated/?sh=537cd2af3e9f  

Dr. Frank Appunn on Cybersecurity

To mark Cyber Security Awarness Month, Mike and Matt explain the tools of Burgess Technology Services IT Security Suite, how they work in practical terms, and how they benefit our clients' network security.  This includes not only standard network security, but specific protections and monitoring reports required in highly regulated industries, such as financial, medical and municipal.  For more information on how these tools can help your secure your business, email podcast@btsmaine.com or visit  https://www.burgesstechnologyservices.com/business-it-support-services/bts-it-security-suite/ For previous episodes, visit www.itsuckspodcast.com  

IT Security Suite by BTS

IT Sucks Podcast

Follow-up with what's happening at FIRST Annual FIRST Conference. Chats, interviews and news will be broadcasted by this podcast.

Is content king? Fisher argues data alone can lead us astray, instead, it is the story we should focus on. With a presentation loaded with artwork and visuals, Fisher hopes to teach statistic savvy security responders to see the bigger picture. What patterns appear when we take a step back? What narrative does the evidence summon? Question your answers and dive into this discussion with Chris and Martin.

2019 Episode 9:  Seeing Clearly and Communicating Effectively to Address Event Overload– Thomas Fisher, FVT SecOps Consulting

Not EVERYONE who tweets from the toilet at 6 in the morning is a Narcissist.” In this episode, Chris and Martin dive into a discussion with data savvy Monica Whitty about how to spot and stop an insider threat. Unfortunately, most insider attacks we never see coming, but as Whitty explains, hindsight can be a tool. Realizing that not every perpetrator is evil or malicious, companies can begin to see the data for what it really is: people. Navigate psychological factors and learn to spot warning signs in this perceptive podcast! 

2019 Episode 8:  Developing a Conceptual Model for Insider Threat – Monica Whitty, University of Melbourne

No computers, no worries! After favorable feedback from the 2018 Conference, Chiyuki and her team returned this year with even more tabletop fun. Chris and Martin get the inside scoop on how a little friendly competition creates an international platform for learning. Without technology, red and blue teams ultimately work together to solve a handful of security scenarios in this Choose Your Own Adventure style exercise.

2019 Episode 7:  Blue-Team vs. Red-Team Tabletop Exercise – Chiyuki Matsuda, DeNA Co., Ltd.

Join Chris John Riley and Martin McKeay live from annual FIRST conference in Edinburgh, Scotland as they interview Ken Munro. Ken is a partner and founder at Pen Test Partners, LLP and was the opening keynote for the 31st Annual FIRST Conference. 

2019 Episode 6: Recorded Live from FIRST 2019 – Ken Munro, Partner and Founder of Pen Test Partners, LLP

Missing out on #FIRSTCON19 this week! No worries! Join the interview in progress. Martin chats with Lisa Bradley (Senior Manager, NVIDIA PSIRT) and Jessica Butler (Senior Application Developer, NVIDIA) about their presentation at FIRST 2019 happening Monday, June 17 from 16:45-17:45.

2019 Episode 5: How to Manage the Tangled Web of Dependencies, Lisa Bradley and Jessica Butler of NVIDIA

FIRSTCON Podcast

Three Broke Mice is a show for and by Millennials that explores money issues, economic topics and cultural phenomena.

In this episode of Three Broke Mice, we’re navigating our way into the complex and increasingly profitable world of the emoji. If you’re not familiar with the concept, they’re colorful icons—from funny faces to food to symbols—loved by smartphone and social media users the world over. Aside from being fun and easy-to-use in day-to-day conversations, emojis are gaining more and more of our attention through products, advertising and a variety of media—meaning some industries are raking in the big

Three Broke Mice: The Emoji Show-ji

Welcome to Episode 1 of our summer season. This show is the Getting Your$elf Together checklist, for those recent grads and young professionals in the audience working on starting their careers. We cover navigating the job hunt, settling into your new workplace, creating an impact in your office and making adult life work. Keep posted each week for new stories and segments from this partnership, and feel free to give us your feedback here on KBIA, on Missouri Business Alert , and on Three Broke

Three Broke Mice: Getting Your$elf Together

During our last episode, we spoke with with Zach Heath, an MU MBA student, entrepreneur, and cancer warrior. Listen to Part 2 of the chat as Three Broke Mice's Siyu Lei and Kara Tabor and KBIA's Becky Smith talk with Zach about what it’s like to be an young adult and fighting the good fight against cancer. Keep posted each week for new stories and segments from this partnership, and feel free to give us your feedback here on KBIA, on Missouri Business Alert , and on Three Broke Mice's Facebook

Three Broke Mice: Part 2 of Millennials and Health with Zach Heath

Young people have a tendency to feel like nothing can stop them, that they are invincible. When you're full of energy and passion, that's not a hard thing to do. But even for the strongest and most determined Millennials, sometimes you have to be a warrior for your wellbeing. Zach Heath, a University of Missouri MBA student and an entrepreneur launching his own medical company, knows this fact to be true. On top of being a student and startup founder, he’s also a stage-four colon cancer patient.

Three Broke Mice: Millennials and Health

Going by our culture's obsession with culinary delights, cooking shows, and social media documentation of drool-worth meals, it's easy to say that food plays a pretty substantial part in many people's lives beyond plain nourishment. On this episode, the Broke Mice dig into the subject of quality food, its meaning to society and its costs. As usual, there's even a dash of cultural crossover thrown in to taste. Keep posted each week for new stories and segments from this partnership, and feel free

Three Broke Mice: Food, Funds and the Variables on the Side

Three Broke Mice

Episode 4 For double your wait, you get double the voices! We get do get really silly, lewd and crass this time. We start with a discussion about the future of hard drives. Then we touch on various iPhone 5s, iOS7, and iPad predictions, updates and stories. Next is our Entertainment segment, we cover various TV shows and movies (old and new). Finally, we revisit our looking forward to segment that ends in a big discussion about hamburgers and fast food. And of course at the end, what ended up on our cutting room's floor. Show Notes: Verizon activated 3.9M iPhones in Q3 2013, up 26% from 2012 http://appleinsider.com/articles/13/10/17/verizon-activated-39m-iphones-in-q3-2013-up-26-from-2012 Apple reportedly boosts iPhone 5s production by 75%, decreases iPhone 5c by 35% http://appleinsider.com/articles/13/10/18/apple-reportedly-boosts-iphone-5s-production-by-75-decreases-iphone-5c-by-35 Apple's iPhone 5c pricing seen as right move, holiday sales expected to pick up steam http://appleinsider.com/articles/13/10/17/apples-iphone-5c-pricing-seen-as-right-move-holiday-sales-expected-to-pick-up-steam Good: Apple leads business adoption with 72% mobile devices, 90% of tablets, 95% of apps http://appleinsider.com/articles/13/10/17/good-apple-leads-business-adoption-with-72-mobile-devices-90-of-tablets-95-of-apps iOS 7 seeing slower uptake than Apple's iOS 6 - report http://appleinsider.com/articles/13/10/18/ios-7-seeing-slower-uptake-than-apples-ios-6---report iPhone 5s motion sensor-gate http://gizmodo.com/the-iphone-5s-motion-sensors-are-totally-screwed-up-1440286727 http://appleinsider.com/articles/13/10/16/apples-iphone-5s-sensor-woes-may-be-linked-to-new-accelerometer-supplier Real Gold HTC phone http://www.engadget.com/2013/10/08/htc-to-offer-five-genuine-gold-one-smartphones-for-2-750-apiece/ Runtime: 53 minutes, 46 seconds email us at randomrant at vidcast-app.net You can listen to Episode 4 here: http://www.mixcloud.com/NeuroScr/random-rant-podcast-episode-04/ Podcast Feed: feeds.feedburner.com/randomrantpodcast Available on iTunes: https://itunes.apple.com/us/podcast/random-rant/id713705955  

Episode 4

  Episode3 We cover quiet a bit of ground this week, starting with some fan mail. Some iPhone coverage and some rare Samsung love. Then we cover Phone Bloks and Steam's new console and controller. And we get into a rant about fast food reviews on Yelp. And finally a new segment on what we're looking forward to. Also some added bloopers and out-takes after the end of the show. Show Notes: IFixIt iPhone 5s Teardown http://www.ifixit.com/Teardown/iPhone+5s+Teardown/17383/1?revisionid=HEAD Lumia Commercial http://www.youtube.com/watch?v=slf3GgxqusI iPhone 5s out sold the 5c 4 to 1 http://qz.com/127294/what-apple-wont-tell-you-the-iphone-5s-is-outselling-the-5c-nearly-four-to-one/ iOS7 Waterproof phone http://finance.yahoo.com/news/people-falling-fake-apple-ios-115719246.html Articles about iOS7 making people sick http://www.fastcompany.com/3018636/fast-feed/ios-7-is-reportedly-making-people-sick http://www.theguardian.com/technology/2013/sep/27/ios-7-motion-sickness-nausea http://www.theregister.co.uk/2013/09/26/apples_ios_7_makes_some_fanbois_want_to_puke_literally/ Choas Computer Club TouchID hack http://www.ccc.de/en/updates/2013/ccc-breaks-apple-touchid Samsung Galaxy S4 Gold http://www.theverge.com/2013/9/25/4769086/samsung-counters-iphone-5s-with-a-golden-galaxy-s4 Phone Bloks http://phonebloks.com/ Robot Kickstarter http://www.kickstarter.com/discover/tags/robots SteamBox & Controller http://store.steampowered.com/livingroom/SteamMachines/ http://store.steampowered.com/livingroom/SteamController/ Super Meat Boy / Stream Controller Review http://tommyrefenes.tumblr.com/post/62476523677/my-time-with-the-steam-controller Carls Jr Yelp Review Anti-Idle http://www.kongregate.com/games/Tukkun/anti-idle-the-game Cookie Clicker http://orteil.dashnet.org/cookieclicker/ Dragon Vail on iOS http://www.backflipstudios.com/games/dragonvale/ My Little Pony: Friendship is magic on iOS https://itunes.apple.com/us/app/my-little-pony-friendship/id533173905?mt=8 Taco Copter http://tacocopter.com/ Runtime: 44 minutes, 4 seconds email us at randomrant at vidcast-app.net You can listen to Episode 3 here: http://www.mixcloud.com/NeuroScr/random-rant-episode-03/ Podcast Feed: feeds.feedburner.com/randomrantpodcast Available on iTunes: https://itunes.apple.com/us/podcast/random-rant/id713705955  

Episode 3

Episode 2 We cover a couple articles in the news about the new iPhone: http://www.anandtech.com/show/7335/the-iphone-5s-review http://daringfireball.net/2013/09/the_iphone_5s_and_5c http://www.cringely.com/2013/09/19/the-secret-of-ios-7 We share our experiences waiting in line for the iPhone 5s and start to review iOS 7 Runtime: 36 minutes, 51 seconds email us at randomrant at vidcast-app.net You can listen to Episode 2 here: http://www.mixcloud.com/NeuroScr/random-rant-podcast-episode-02/ Podcast Feed: feeds.feedburner.com/randomrantpodcast Available on iTunes: https://itunes.apple.com/us/podcast/random-rant/id713705955  

Episode 2

Episode 1 We discuss Apple's 2013 iPhone announcement. Runtime: 40 minutes, 50 seconds You can listen to Episode 1 here: https://soundcloud.com/neuroscr/random-rant-episode-1 email us at randomrant at vidcast-app.net Podcast Feed: feeds.feedburner.com/randomrantpodcast Available on iTunes: https://itunes.apple.com/us/podcast/random-rant/id713705955

Episode 1

Random Rant

QUÍMICA-COVID19

Kkkkkk

Focused Content, Expert Insights and Timely News


Organizations turn to fintechs for payment solutions that are as efficient and seamless as the transactions they facilitate. However, behind these smooth interfaces lies a labyrinth of challenges. Security concerns, regulatory compliance, and constant technological upgrades are just a few of the hurdles fintechs must navigate to provide what appear to be simple solutions. For clients, the expectation is straightforward: a payment solution that works flawlessly. The intricate complexity involved in meeting this expectation, though, often goes unnoticed.



It’s easy to make something simple complicated. But it’s difficult to make something complicated simple. In a recent PaymentsJournal podcast, Kieran Draper and Tom Jennings, the U.S. and EU/UK CEOs of B4B Payments, and Brian Riley, Co-Head of Payments at Javelin Strategy & Research, spoke about the strategies fintechs employ to ensure their solutions remain both effective and invisible to the user. Highlighted is the delicate balance between simplicity and complexity, especially in the world of international embedded payments.


PaymentsJournalMaking a Complex Payment Situation Simple for Your CustomersPaymentsJournal Making a Complex Payment Situation Simple for Your CustomersPaymentsJournaljQuery(document).ready(function ($){var settings_ap32613511 = {  design_skin: "skin-wave"  ,autoplay: "off",disable_volume:"default"  ,loop:"off"  ,cue: "on"  ,embedded: "off"  ,preload_method:"metadata" ,design_animateplaypause:"off" ,skinwave_dynamicwaves:"off"  ,skinwave_enableSpectrum:"off"  ,skinwave_enableReflect:"on",settings_backup_type:"full",playfrom:"default",soundcloud_apikey:""  ,skinwave_comments_enable:"off",settings_php_handler:window.ajaxurl,skinwave_wave_mode:"canvas",pcm_data_try_to_generate: "on","pcm_notice": "off","notice_no_media": "on",design_color_bg: "111111",design_color_highlight: "ef6b13",skinwave_wave_mode_canvas_waves_number: "3",skinwave_wave_mode_canvas_waves_padding: "1",skinwave_wave_mode_canvas_reflection_size: "0.25",skinwave_comments_playerid:"32613511",php_retriever:"https://www.paymentsjournal.com/wp-content/plugins/dzs-zoomsounds/soundcloudretriever.php" }; try{ dzsap_init(".ap_idx_449875_2",settings_ap32613511); }catch(err){ console.warn("cannot init player", err); } });


Fintechs Deal With a World of Complexity



Ideally, payments get processed with the press of a button, no different from dialing a number and knowing, without having to think about it, that the right person will answer. Customers making payments expect something simple and effective.






But it’s a challenging environment for fintechs right now as they try to deliver that experience, with their funding drying up and regulators coming down on them. On the upside, it’s also a vibrant market. Demand is expanding, as more and more businesses seek to make payments across geographic boundaries and across platforms.



“For a fintech like us, there are a tremendous number of things that we need to take into consideration,” Draper said. “The transactions need to be secure, we have to be compliant in multiple jurisdictions, and the solution needs to be auditable. The trick is to try and figure out how to present a solution to these businesses that shields them from all of this complexity.”



One area with great complexity for companies is offering services across borders and the need to juggle varying regulations and payment methods. To take one example, B4B works with maritime businesses that make and receive payments in multiple currencies,

Making a Complex Payment Situation Simple for Your Customers


With gift card spend projected to reach $267.3 billion by 2028, it’s clear that gift cards  are an influential force in the market. And the rise of digital gift cards, a trend that continues to gain momentum, is opening up new avenues to engage younger generations.



During a recent PaymentsJournal podcast, Blackhawk Network’s (BHN) Sarah Kositzke, Director of Research and Hilary Spidaliere, Director of Product Marketing, as well as Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, explored, analyzed, and amplified the insights from this year’s Benchmark Report: 2024 Digital Gift Card Leaders, conducted by NAPCO research in partnership with BHN. This market-leading report on the gift card industry, which evaluated the digital gift card programs of 100 U.S. merchants, identifies best practices and opportunities for how retailers can optimize their own gift card programs.  


PaymentsJournalBuilding Brand Advocacy Through Gift Card ProgramsPaymentsJournal Building Brand Advocacy Through Gift Card ProgramsPaymentsJournaljQuery(document).ready(function ($){var settings_ap36229806 = {  design_skin: "skin-wave"  ,autoplay: "off",disable_volume:"default"  ,loop:"off"  ,cue: "on"  ,embedded: "off"  ,preload_method:"metadata" ,design_animateplaypause:"off" ,skinwave_dynamicwaves:"off"  ,skinwave_enableSpectrum:"off"  ,skinwave_enableReflect:"on",settings_backup_type:"full",playfrom:"default",soundcloud_apikey:""  ,skinwave_comments_enable:"off",settings_php_handler:window.ajaxurl,skinwave_wave_mode:"canvas",pcm_data_try_to_generate: "on","pcm_notice": "off","notice_no_media": "on",design_color_bg: "111111",design_color_highlight: "ef6b13",skinwave_wave_mode_canvas_waves_number: "3",skinwave_wave_mode_canvas_waves_padding: "1",skinwave_wave_mode_canvas_reflection_size: "0.25",skinwave_comments_playerid:"36229806",php_retriever:"https://www.paymentsjournal.com/wp-content/plugins/dzs-zoomsounds/soundcloudretriever.php" }; try{ dzsap_init(".ap_idx_449338_5",settings_ap36229806); }catch(err){ console.warn("cannot init player", err); } });


Gift Card Industry Trends



During the 2023 holiday season, the average individual received around three gift cards, totaling roughly $160 in value. However, when recipients made their purchases, they spent an average of $78 more than the card’s value1. Leveraging a gift card to purchase a bigger-ticket item is commonplace and one of the reasons why gift cards are so valuable to retailers – driving that additional overspend and store visits.



“About a third of people said their favorite gift was a gift card,” Kositzke said. “Most people are still getting single-branded cards, like Starbucks or Amazon, which account for 75% of gift card buys. The Visa and Mastercard options and multi-branded cards are picking up steam though1.”



According to BHN, 77% of purchases were physical cards, even when the transactions occurred online. Physical cards are considered more personal, especially when there’s an option to customize the card. Despite the increasing popularity of online shopping, most gift card transactions still happen in-store, making up 85% of purchases1. But that is likely to change.



“Looking a little further out to 2030, digital cards are going to continue to gain ground,” Hirschfield said. “By the end of the decade, it’s likely to be a 50/50 split. That’s driven by Gen Z and Millennials, who are also significantly more likely to extend their purchases beyond the gifted amount.

Building Brand Advocacy Through Gift Card Programs


Reconciliation is an essential aspect of the accounting process that improves transparency, maximizes decision-making, and ensures regulatory compliance. However, many merchants and payments organizations still rely on inefficient processes that can result in errors, financial losses, or violations.



In a recent PaymentsJournal podcast, Nick Botha, Global Payments Sales Manager at Autorek, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed the importance of optimizing the payments reconciliation process and explored the influence of automation on its efficiency.


PaymentsJournalAutomation’s Impact on Payments ReconciliationPaymentsJournal Automation’s Impact on Payments ReconciliationPaymentsJournaljQuery(document).ready(function ($){var settings_ap41125010 = {  design_skin: "skin-wave"  ,autoplay: "off",disable_volume:"default"  ,loop:"off"  ,cue: "on"  ,embedded: "off"  ,preload_method:"metadata" ,design_animateplaypause:"off" ,skinwave_dynamicwaves:"off"  ,skinwave_enableSpectrum:"off"  ,skinwave_enableReflect:"on",settings_backup_type:"full",playfrom:"default",soundcloud_apikey:""  ,skinwave_comments_enable:"off",settings_php_handler:window.ajaxurl,skinwave_wave_mode:"canvas",pcm_data_try_to_generate: "on","pcm_notice": "off","notice_no_media": "on",design_color_bg: "111111",design_color_highlight: "ef6b13",skinwave_wave_mode_canvas_waves_number: "3",skinwave_wave_mode_canvas_waves_padding: "1",skinwave_wave_mode_canvas_reflection_size: "0.25",skinwave_comments_playerid:"41125010",php_retriever:"https://www.paymentsjournal.com/wp-content/plugins/dzs-zoomsounds/soundcloudretriever.php" }; try{ dzsap_init(".ap_idx_449163_8",settings_ap41125010); }catch(err){ console.warn("cannot init player", err); } });


An End-to-End Process



The reconciliation process is often fragmented among business divisions, which can lead to inaccurate reporting.   



“It should be viewed as an end-to-end process,” Botha said. “That includes financial controls, operational processes, payment flows, the whole of financial operations. Reconciliation has become integral to the success or failure of a middle and back office these days, and it must be a single, continuous process.”






Another pain point is the reliance on legacy-based processes or manual workarounds to process complex financial data. As a business scales, inefficient methods increase the potential for a costly reconciliation error.



“A function of paying money out is reconciling it,” Apgar said. “There’s been so much growth in the fintech space, and so many companies have stepped in that don’t realize how complex it is. They don’t understand the sheer number of data sources there are, the number of categories, and how many feed types to apply.”



The move to faster payments is likely to compound reconciliation challenges. As instant payments rails like FedNow and RTP gain traction, companies will be compelled to adopt reconciliation processes capable of operating in real-time environments.



Fit for Purpose



Mastercard and Visa recently settled with merchants, agreeing to relax certain restrictions and reduce credit card interchange fees. The settlement is expected to save merchants $30 billion over the next three years.



“It’s a splashy headline,” Apgar said. “It boils down to a four-basis-point rate reduction for merchants, which is not much. The big news was the rules changes that allowed large enterprise merchants to negotiat...

A Single Source of Truth: Automation’s Impact on Payments Reconciliation


The United States is a unique banking market, with more than 11,000 financial institutions and some of the most stringent regulations in the world. With the launch of FedNow last year, The Clearing House’s RTP network, and a new messaging standard in ISO 20022, U.S.real-time payments have finally arrived. There’s only one problem: The infrastructure here is not ready. 



In a recent PaymentsJournal podcast, Himanshu Pujara, Managing Director for Euronet Worldwide, and Elisa Tavilla, Director of Debit Payments at Javelin Strategy & Research, spoke about how instant payments are happening around the globe today, and how banks can develop payment platforms that take advantage of increased standardization and interoperability, as regulatory bodies push for a more interconnected financial ecosystem.


PaymentsJournalGetting the U.S Banking Market Ready for Instant PaymentsPaymentsJournal Getting the U.S Banking Market Ready for Instant PaymentsPaymentsJournaljQuery(document).ready(function ($){var settings_ap24255405 = {  design_skin: "skin-wave"  ,autoplay: "off",disable_volume:"default"  ,loop:"off"  ,cue: "on"  ,embedded: "off"  ,preload_method:"metadata" ,design_animateplaypause:"off" ,skinwave_dynamicwaves:"off"  ,skinwave_enableSpectrum:"off"  ,skinwave_enableReflect:"on",settings_backup_type:"full",playfrom:"default",soundcloud_apikey:""  ,skinwave_comments_enable:"off",settings_php_handler:window.ajaxurl,skinwave_wave_mode:"canvas",pcm_data_try_to_generate: "on","pcm_notice": "off","notice_no_media": "on",design_color_bg: "111111",design_color_highlight: "ef6b13",skinwave_wave_mode_canvas_waves_number: "3",skinwave_wave_mode_canvas_waves_padding: "1",skinwave_wave_mode_canvas_reflection_size: "0.25",skinwave_comments_playerid:"24255405",php_retriever:"https://www.paymentsjournal.com/wp-content/plugins/dzs-zoomsounds/soundcloudretriever.php" }; try{ dzsap_init(".ap_idx_449017_11",settings_ap24255405); }catch(err){ console.warn("cannot init player", err); } });


Playing Catch-Up With the World



The state of global payments varies depending on where you look.






“We’ve connected to many RTP networks and have been processing instant payments for over a decade now,” Pujara said. “In India, the Unified Payments Interface has been a game-changer, enabling billions of transactions monthly with its simple, mobile-driven approach. Then there’s the EU’s SEPA Instant Credit Transfer, which streamlines cross-border payments efficiently within Europe. In Brazil, the Pix system has revolutionized the speed of payments, quickly becoming a mainstay in their financial ecosystem. We process millions of transactions every single month for our customers in the emerging markets, and in all of these markets real-time payments has become a dominant form of payment in the day to day lives of consumers.”



These global trends have not yet matured in the U.S. market. While the United States has had limited access to instant payments in the past, FedNow has sped up the timeline for banks to offer such payments to consumers and merchants. This gives banks the opportunity to enhance transaction efficiency, financial inclusion, and economic growth.  



Seeking Harmony



Although there are different U.S. regulatory and market environments, the future points toward more collaborative efforts to harmonize regulations and technical standards, making it easier to transact instantly and across borders. Financial institutions have the opportunity to use the real-time payment rails to launch innovative use cases for custome...

Getting the U.S Banking Market Ready for Instant Payments


The end-of-the-year flurry of holiday shopping is a classic example of business seasonality. As fraud professionals have long observed, fraud activity also follows seasonal patterns, with seasonal upticks and slow-downs. The challenge has been reacting to seasonality with precision in real-time, instead of just recognizing them in the rear-view mirror. And new data shows that this seasonality doesn’t correlate to the business year as much as one might expect—fraudsters have a seasonal calendar all their own



In a recent PaymentsJournal podcast, NeuroID Head of Operational Strategy Nash Ali and Tracy Kitten, Director of Fraud & Security at Javelin Strategy & Research, discussed the seasonality of fraud. They analyzed the methods criminals use and offered solutions to keep businesses safe.


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Winter Fraud



Fraud attempts are rising overall, up 57% from 2022 to 2023. Due to the holiday frenzy, December might seem like the logical peak of fraudulent activity.



“In fact, it’s January,” Ali said. “January has a 78% higher fraud attack rate than the average monthly rate. That includes a 59% increase in application fraud, where criminals falsify data or misrepresent themselves to business owners. There’s also an 85% increase in the hours businesses are under attack in January compared to the rest of the year.”






After a February slowdown, there’s a 44% higher fraud attack rate in March compared with the typical monthly average. A higher portion of March attacks consists of identity fraud, identity theft, or creating synthetic identities with bots and scripts. After another lull in April, fraud picks back up in May.



“We see 50% more application fraud in May compared to monthly averages,” Ali said. “A lot of that fraud is concentrated fraud attacks committed via fraud rings. After a slow summer, fraud rates pick back up in the fall, peaking again in October.”



Identify the Compromise



Criminals are constantly looking for weaknesses, and seasonal fraud trends are no doubt spurred by company vulnerabilities. Business owners should also understand that there can be a delay between when their business is breached and when fraud actually occurs.



“Company information is likely being compromised during these high-usage months, like the holidays,” Kitten said. “Then we don’t start to see the fraud until several weeks to a couple of months later.

Seasons of Fraud: How Fraud Patterns Shift Throughout the Year

The PaymentsJournal Podcast

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