Short-term cash flow problems are a common woe of consumers and smaller businesses alike. Overdraft — and its high fees — often served as the main safety net. But in a new PYMNTS interview with Karen Webster, Fiserv’s Ken Patrick and Victoria Dougherty talk about how digital technology, algorithms and other tools can provide more liquidity, and why a proactive approach to cash flow can work much better for everyone than a reactive take.

Demand keeps increasing for quick access to funds and via various digital channels. And the business that cannot keep up risks losing customers. In the latest edition of the “PYMNTS Walk to the Elevator” podcast series, Karen Webster talks to Fiserv executives about the best ways to make those quicker disbursements a reality, and the risk management and other factors that go into a successful payments program that is fast and digital.

In the latest Walk To The Elevator podcast, executives from Christian Horizons, Fiserv and DailyPay discuss paying wages to workers now instead of waiting.

Banks and credit unions certainly need to follow the digital tracks left by consumers to meet and anticipate customer demands. But as Fiserv’s Jon Rosner tells Karen Webster during this "Walk to the Elevator”, a fresh attention to service can also lead to more revenue.

Spending on credit cards will continue to outpace spending on debit cards for the foreseeable future, even as data and other signs point to millennials having an enduring loyalty to cash over credit. However, issuers will have to work hard to ensure the health of their credit card offerings. Chad Peck, vice president of credit product strategy at Fiserv, talks with Karen Webster about how to make credit cards attractive to more consumers.

Fiserv’s Victoria Dougherty discusses the business case of offering immediate access to check funds in this installment of the “Walk To The Elevator” series. The check market may be declining, but enhanced services still have the power to win over consumers.

Only 5 to 10 percent of cards whose data is exposed in a breach end up getting used in fraudulent transactions, Patrick Davie, VP of risk solutions for card services at Fiserv says in a new PYMNTS podcast series “A Walk to the Elevator”.