PaymentsJournal

In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities.  In a PaymentsJournal Podcast, Tina Shirley, Senior Director of Product for Fiserv, and Brian Riley, Co-Head of Payments at Javelin […] The post From Cross-Border Payments to Community Banks: The Future of Zelle® appeared first on PaymentsJournal.

Paying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will […] The post Stablecoins and the Future of B2B Payments: Faster, Cheaper, Better appeared first on PaymentsJournal.

Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations. For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring […] The post Multi-Acquiring Is the New Standard—Are Merchants Ready? appeared first on PaymentsJournal.

The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In […] The post What’s Driving the Rapid Growth in ACH Payments appeared first on PaymentsJournal.

Fraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny. In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product […] The post Why the Future of Financial Fraud Prevention Is Passwordless appeared first on PaymentsJournal.

Banks are no strangers to artificial intelligence. For years, machine learning and deep learning models have quietly powered fraud detection, transaction monitoring, and risk analysis. But the industry is now approaching a more consequential shift: agentic AI—systems that don’t just analyze data, but can act on it. With that shift comes a fundamental question about […] The post When Can Payments Trust AI? appeared first on PaymentsJournal.

In today’s world, nearly anything a business or individual desires is available instantly. Yet, for most, receiving a payment still takes two to three days to clear, despite the availability of instant payments networks such as FedNow. What will it take for instant payments to reach a tipping point and become a standard expectation? In […] The post Getting Out in Front of Instant Payments—Before It’s Too Late appeared first on PaymentsJournal.

The rise of artificial intelligence is coinciding with a shift toward instant payments that are increasingly difficult to stop once fraud occurs. Real-time payments put a stopwatch on fraud prevention, leaving businesses with only moments to detect and respond to suspicious activity. Striking the right balance between frictionless customer experiences and strong controls is becoming […] The post Faster Payments Demand Faster Fraud Detection appeared first on PaymentsJournal.

Digital banking has trained consumers to expect speed, simplicity, and instant results. Yet, when those same expectations reach the commercial side of the house, many financial institutions fall short—leaving business clients stuck in slow, manual onboarding journeys that drive up costs and frustration. In a recent PaymentsJournal podcast, Penny Townsend, Co-Founder and Chief Payments Officer […] The post The Biggest Bottleneck in Commercial Banking? Onboarding appeared first on PaymentsJournal.

As payments have evolved from cash and checks to cards and digital payments, something essential has been lost: the human touch. Yet consumers are not data points—they crave a payments experience that is fast, secure, and effortless, and when they do need support, they want it to shift seamlessly into something personalized and attentive to their needs.  In a recent PaymentsJournal podcast, Robyn Burkinshaw, CEO and Founder at BlytzPay, […] The post Conversational Payments: The Next Big Shift in Financial Services   appeared first on PaymentsJournal.