Payments Beats

In this engaging episode, Marcia Klingensmith, Director at Payments Consulting Network, guides us through the intricate evolution of 3D Secure, providing a comprehensive understanding of its inception and the subsequent evolution into a seamless and data-enriched experience. Joined by the CEO and Co-Founder of PAAY, Yitz Mendlowitz, our conversation extends beyond the historical context, delving into the global adoption of 3D Secure and the challenges inherent in its implementation. Discover how 3DS is adapting to new payment trends like CBDCs, cryptocurrencies, and instant payments, enhancing security and reducing friction. Join us for a concise yet insightful journey through the changing landscape of payments!

The payments and fraud risk landscape for merchants continues to undergo rapid change. In this interview between Julie Fergerson, CEO and Co-Founder and Tracy Brown, VP Programs and Technology of Merchant Risk Council, and Mangala Martinus, Managing Director at Payments Consulting Network and Merchant Advisory, we discuss predictions for the key themes and trends in merchant payments and risk in 2024, as well as the objectives and major initiatives for MRC for the year ahead. As the dynamics of the payments ecosystem continue to shift, this episode serves as an invaluable guide for merchants, professionals, and enthusiasts alike, offering a comprehensive exploration of the challenges and opportunities that lie ahead. Stay ahead in the game of navigating the complex intersection of technology, security, and commerce.

Achieving successful bank-fintech partnerships isn't easy. In this interview between Robert Keil, Chief Fintech Officer at FinWise Bank, and Mangala Martinus, Managing Director at Payments Consulting Network and Merchant Advisory, we discuss the importance of fintech partnerships for banks, the challenges for both sides of the equation, and the considerations for banks and fintechs in building successful long-term partnerships. In this episode, Robert also highlights the need for transparency, clear expectations, streamlined procedures, prioritising compliance, and treating FinTechs as vendors rather than customers.

In this episode Liz Beggs, Chief Operating Officer at Payments Consulting Network and Merchant Advisory, explores all things blockchain.

With guest and General Manager, Singapore of Crypto.com, Chin-Tah Ang, the episode dissects observations and insights into the evolution from Web1 to Web3, with emphasis on the shift from centralised control to decentralised ownership in Web3 as well as the various digital currencies, including stablecoins and central bank digital currencies (CBDCs). The conversation also explains the concept of blockchain as a technology that ensures data immutability and transparency through distributed networks and cryptographic protection.

In this engaging new episode, Marcia Klingensmith, Director at Payments Consulting Network, delves into the world of instant payments with Alloy Labs' Venture Partner, Peter Davey, a leader in real-time payments innovation. After driving product innovation at the Clearing House and now at Alloy Labs, he focuses on addressing challenges for community banks and credit unions, emphasizing the need to simplify and enhance connections to instant payment networks. Tune in to discover why institutions must take incremental steps toward modernization and think of the importance of partnerships and shared efforts in navigating the changing landscape of instant payments.

The Americas Cash and Payments Seminar 2023 will take place in Orlando Florida this November. In this episode of Payments Beats, Payments Consulting Network Associate for London, David Fagleman, is joined by Shaun Ferrari, Vice President & Director of Global Business Development at Currency Research, to discuss the changing payments landscape in North, Central and South America, highlighting the increasing focus on instant payments and the challenges of cross-border transactions. Shaun also predicts that cash will continue to be relevant, with digital payments playing a growing role, and emphasizes the importance of finding a balance between the two.

In this episode, Deborah Baxley, Director at Payments Consulting Network, sits down with Hitender Sachdeva, Vice President of Digital Products at Royal Bank of Canada to cover a broad spectrum of topics-- from SWIFT payments to real-time rails to open banking and global settlement, offering a meticulously detailed overview of the changes shaping the future of banking and financial transactions. With a wealth of experience spanning over two decades in corporate and retail banking, this makes a comprehensive look into the latest trends, developments, and the driving forces behind payment modernization.

In this episode Liz Beggs, Chief Operating Officer at Payments Consulting Network and Merchant Advisory, explores how payment infrastructure goes in cycles, shifting from merchant owned to an acquirer owned infrastructure.

With guest and CEO of the DataMesh Group, Mark Nagy, we gain essential insights on the emerging trends for those looking to achieve long-term growth for their businesses.

Ranging from mobile transactions to contactless payments, and from digital onboarding to data analysis, these payment innovations' functionalities exist across various segments.

In this episode, Mangala Martinus, Managing Director of Payments Consulting Network and Merchant Advisory, is in conversation with Justin Passalaqua, Country Director, Canada at Worldline. They delve into the growing significance of Independent Software Vendors (ISVs) within the payments acceptance value chain. The discussion also covers key considerations when selecting an ISV, various types of service providers falling into these categories, and the reasons why merchants are increasingly turning to ISVs to enhance the payments experience for their customers.

Payments orchestration is often misunderstood but it has several applications. In this interview with Rob Lincolne, CEO and Founder of Paydock, and Karthik Narayanan, Co-Founder of inai, Mangala Martinus, Managing Director at Payments Consulting Network takes a deep dive into exploring what payments orchestration encompasses, and examines its key benefits and use cases across various industries.