One of the U.S. payments industry’s unfulfilled promises is that bank-to-bank transfers would one day loosen the grip of cards. The logic is straightforward: Moving money directly from a consumer’s bank account to a merchant should be faster, cheaper and more secure than routing payments...
Card programs have become tools in modern payments, enabling banks, FinTechs and non-financial brands to extend financial services, deepen customer relationships and unlock new revenue streams. However, as their reach expands, so does their complexity, turning program execution into a challenge rather than a back-office...
Digital credentials are reshaping payments as consumers gravitate toward payment methods that work instantly, securely and consistently across channels. That shift is creating a dynamic where issuers are exploring opportunities to build smarter onboarding processes that start customers on a personalized financial journey from day...
Picture the last time a payment “worked.” You probably don’t remember it. That’s the point: the best transactions vanish into the background. Now picture the last time a payment didn’t work. You remember that one. Because failure is rarely invisible when money is involved. In...
In 2025, payments, banking and commerce crossed a quiet but consequential threshold. Technologies that once promised efficiency or differentiation became nonnegotiable foundations, reshaping how money moves, how risk is managed and how trust is built at scale. Across dozens of Trackers published this year, a...
If 2025 felt like the year the future stopped “arriving” and started showing up in production, you are not imagining it. In payments and commerce, the most important shifts rarely announce themselves with a single product launch. They surface in how executives describe their constraints,...
Liquidity decisions for multinational enterprises have always been defined by timing. Treasury teams watch cutoff times, forecast balances and pre-fund accounts before weekends or bank holidays. Stephen Randall, global head of Liquidity Management Services at Citi, told PYMNTS in a recent interview that those days...
Watch more: What’s Next in Payments The systems behind the scenes of payments modernization are complex, and so are the teams that design and support them. For Green Dot, the force that keeps those parts aligned is not a technology layer but an insight engine...
Watch more: Live Roundtable: AWS and Form3’s Mark Smith and Mark Fieldhouse The cloud hasn’t just modernized payments. It’s made them programmable. The institutions embracing that shift are accelerating faster than anyone imagined even five years ago. Against this backdrop, the banking sector’s early experiments...