 How do you secure bank to bank transfers between counter parties when the payment system itself lacks strong authentication? Can you balance the cost, speed, and security of transactions across multiple payment networks?  In this episode of the Payments on Fire® fintech series, join Glenbrook’s Nicole Pinto and George Peabody as they speak with Eli Polanco, CEO and Founder of Nivelo. Her company offers risk scoring for ACH transactions to improve payment success rates and reduce fraudulent transactions. Listen as she speaks to her entrepreneurial experience and insight into the evolution of bank-to-bank payments.   Show notes include:  A look at the ACH and its advantages Useful links to other sources Podcast transcript Video snapshot The Payments on Fire® episode catalog The Glenbrook Education schedule   

Episode 149 - Bringing Data to Secure A2A Transactions - Eli Polanco, Nivelo

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In this episode, Yvette Bohanan is joined by Glenbrook Managing Partner Bryan Derman and guests Michele Alt and Adam Shapiro, Partners at the Klaros Group. The result is a lively discussion about regulators and the impact of the current regulatory environment on banks and fintechs, a topic of utmost relevance in today's rapidly evolving industry landscape. The economy and all that is at play during a major election year create a fascinating backdrop for this conversation.

Episode 239 - Talking Payments and Politics with Michele Alt and Adam Shapiro, Partners at Klaros Group

The process of accepting payments is a labyrinth of complexity, and payment service providers are the guiding lights that help merchants navigate this maze. They assist in deciding which payments to accept, how to connect to networks, and, most crucially, how to optimize revenues and reduce risk. But what about the providers themselves? Is their work getting more or less complicated? We sat down with Trevor Nies (SVP, Global Head of Digital) who leads Adyen’s digital payments organization, to explore this question as it relates to pay by bank. We discussed the pay by bank landscape in the US compared to other countries and why the US seems to be facing some headwinds. And, more importantly, what merchants should be thinking about when it comes to implementing pay by bank.

Episode 238 - Will Pay by Bank Really Compete with Cards? Trevor Nies, Adyen

In  Episode 231, Samantha Gordon and Simon Skinner discussed the orchestration framework they developed to help our clients decipher a somewhat overused term in the industry. It was a great discussion, and if you missed it, I recommend you give it a listen. We covered a lot of ground in that episode that sets up this conversation with John Lunn, CEO and Founder of Gr4vy. While preparing for this podcast, John observed that “every merchant has an orchestration platform; they just don’t call it that.” That struck a chord as incredibly insightful. Merchants, at least those with the engineering resources to do so, have been adding software infrastructure to their operations to improve authorization rates, handle tokenization, route to different networks, and a host of other capabilities that simply do not come with the basic developer API toolkit. Those without engineering teams to help automate these capabilities are left to manual or ad hoc means to manage their operations. Either way, operational gaps often lead to lost revenues, increased costs, and sub-optimal customer experiences. Using the orchestration framework to guide our conversation, we discuss how orchestration is enabling merchants to do things differently—with more latitude and agency over their payments operations. We invite you to delve into this episode, which shifts the conversation from “What is orchestration?” to “Why is orchestration so powerful?” It's a valuable discussion you won't want to miss.

Episode 237 - Is Orchestration the New Normal In Payment Operations? A conversation with John Lunn, Gr4vy

Glenbrook's Russ Jones often chats with professionals working for companies inside the payments industry who are providing payments and services to end users such as businesses, enterprises, governments, and individuals. Or they may be working at an enterprise, a merchant, or a biller. And they’re all trying to figure out how to save money in payments. In this episode, Russ joins Yvette to talk through 8 simple ideas about how you make money in payments.

Episode 236 - How to Make Money in Payments with Russ Jones, Glenbrook Partners

Acquired by Mastercard in 2017, the UK’s Vocalink manages the UK’s Bacs payment system, ATM LINK switching platform, and the Faster Payments System, FPS. To make this more tangible, consider these statistics: Vocalink processes over 90% of UK salaries, more than 70% of household bills, 98% of state benefits, and powers 60,000 ATMs.  Vocalink’s influence goes beyond the UK, with technology that powers fast payments infrastructure in countries such as the US, Thailand, Sweden, the Philippines, Peru, and Saudi Arabia - just to name a few. Vocalink’s origin story, which began in 1998, spurred payments modernization efforts worldwide. For this episode, we sat down with Gregor Dobbie, former CEO of Vocalink, to discuss what we can learn from Vocalink’s journey and what the future holds for core payment systems.

Episode 149 - Bringing Data to Secure A2A Transactions - Eli Polanco, Nivelo

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