PaymentsJournal

Tokenization: From Security Tool to Future-Ready Payments

High-profile data breaches at major retailers exposed thousands of consumers’ personal account numbers (PANs), spurring the adoption of tokenization—a...

Despite Fintech Encroachment, Banks Can Remain the Go-To for SMBs

For many small business owners, the workday doesn’t end when customers leave. It continues late into the evening—logging into multiple dashboards,...

From Reaction to Prevention: Rethinking Payment Fraud

From Reaction to Prevention: Rethinking Payment Fraud

With the advent of faster payments, many financial organizations have prioritized speed over fraud...

ACH and the Path Toward Future-Ready Payments

ACH is a critical part of the U.S. payment infrastructure, driving a significant portion of transaction volumes and supporting important use cases such...

Not Just Another Bank: How Credit Unions Can Reach Younger Members

Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital...