| PayPal earmarks billions for acquisitions, Zelle uses disbursements to ignite P2P, Citi lures deposits with new app. | | | Zelle: How Faster Corporate Disbursements Will Ignite Its P2P Network Consumers hate waiting, particularly when it comes to getting paid by corporations that owe them. Zelle GM, Lou Anne Alexander, tells Karen Webster that leveraging Ingo Moneyâs on-demand network means that Zelle can get money into the hands of consumers faster, and acquire new users at the same time. Ingoâs Drew Edwards and Alexander dig into what that looks like, and the disruption to digital disbursements it could bring. |
| Fighting Fraud By Finding The Gaps The problem with fraudsters isnât that they are technologically adept evil geniuses, according to GIACTâs EVP of Product, David Barnhardt. Itâs that they are brazen, persistent and adaptable to any changes we put in place. Itâs why, he said, the future of fighting fraud is digging deep into consumer lifecycles â and behavior patterns â to find the two or three gaps that they inevitably overlook. |
| Why Tokenized Data Remains Vulnerable Beyond the buzzword that is tokenization, the reality is that replacing sensitive data with unique identifiers is not the bulletproof method that some may think it to be. Thatâs because standards are lacking, says GEOBRIDGE CTO Jason Way, who describes the âextra mileâ that firms must travel in making sure that tokens are unique and data is secure. |
| | Payments Innovation | | Has Unbundling Lost Its Cool? Unbundling is the future, or so it seems. Open banking spells the death of bundled banking services. Music has been unbundled for nearly 20 years. The physical shopping bundle, aka the mall, has been unbundled by the internet. All in the name of consumer choice. Karen Webster says that would be fine if unbundled products are what consumers want, which, if you look at what they are buying and from whom, youâll see that bundles are alive and well â and thriving. Theyâre just not called bundles. |
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