Podcasts

Blockchain. Is it the most revolutionary technology in value exchange ever or just the latest fintech buzzword enjoying its peak on the hype cycle? Or both? These young techniques are undergoing swift evolution, going from bitcoin and money transfer into new use cases such as identity management. There’s still truth in the cartoon’s joke that, […]

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Sending money in real-time is a capability that is growing around the world. “All bank” systems in the UK and Mexico are thriving. Mobile money services like M-Pesa are changing economies and individual lives in developing countries. But in the US, “things are complicated.” We have a crowded landscape in the US without, as in […]

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Since the first promise to pay was made, knowing who you’re dealing with has been a requirement. Authenticating the identity of a trading partner – a customer, an accountholder, a business or even a computer – is a burden that falls on the one extending trust because the giver takes on the transaction risk. In online […]

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The 3D Secure protocols, one for each network, that connect ecommerce merchants to the cardholder’s issuer, has had a rough go. But after ten years, smarter application of the tool and, in particular, risk-based usage makes it more attractive to both issuers and merchants. In this conversation with Mike Roche, VP of Consumer Authentication at […]

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The Internet’s designers quickly realized that no one’s very good at remembering IP address numbers. Unless you type the same number over and over again (and I did when I ran an ISP) a human readable version is a lot easier. That’s what the domain name system or DNS is all about, connecting human readable […]

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Every payment pro in the US is also a shopper and we all know that the largest retailers are poised to support EMV. Nearly all have EMV capable hardware. A few have turned it on. Most are waiting for the October liability shift so the temporary pain and awkwardness of clerk and consumer confusion is […]

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Host card emulation (HCE) was invented back in 2012. It was supposed to do for NFC on Android what Apple Pay has done for NFC in the iOS ecosystem. But it’s taken longer, a lot longer, for a robust Android-based NFC capability to get deployed. In this conversation with HCE inventor Doug Yeager, CEO of […]

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The domain of point of sale (POS) has three legs to its security stool: EMV, point to point encryption, and card number tokenization. Card not present (CNP) merchants and issuers have the more challenging task of assembling fraud mitigation tools on their own. The networks have had, until EMVCo’s move into payment card tokenization, not […]

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Decisions about point of sale transactions are largely made using card data alone but in e-commerce the merchant has to use a rich mix of data sources to manage fraud. The merchant is, after all, liable for both the transaction as well as the goods or services lost due to fraud. E-commerce merchants use publicly […]

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Paying invoices and moving funds aross borders for small and medium business (SMB) is expensive and full of uncertainties. How much does the recipient actually get once the transaction is finished? (Hint: it’s not always what was sent.)  How long does it take a San Francisco firm to pay an invoice to a contractor in Berlin […]

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EMV and its moving parts presents a far more complex payments method for merchants, ISVs, payment processors, and financial institutions than the good old magstripe. It continues to have ramifications throughout the payments ecosystem. As Executive Director of the Smart Card Alliance and director of the EMV Migration Forum, Randy Vanderhoof has shepherded a sometimes fractious […]

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Realtime, consumer-facing authorization of card payment transactions has been available for some time but few of us have it offered to us by our issuers. Today, there’s a number of technology providers selling truly realtime notifications and two-way approval requests based on the live authorization stream. Glenbrook’s Russ Jones takes us through what’s on offer while […]

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Join George Peabody in a conversation with Stockpile’s Dan Schatt on virtual banking, innovation, and the future of PayPal.  Dan is former GM of Financial Innovations at PayPal and the author of Virtual Banking: A Guide to Innovation and Partnering, a new book that includes a chapter on Bitcoin and math-based currencies by Glenbrook’s George […]

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In this Payments on Fire podcast, Russ Jones and I discuss last week’s Apple Pay announcement and how it fits with and compares to other checkout approaches. We begin looking at Apple Pay and Visa Checkout from the perspective of the checkout process because that’s what they are, ways to optimize checkout. We talk about […]

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Welcome to Glenbrook’s Payments on Fire podcast! This conversation between Glenbrook’s founding partner Scott Loftesness, Terence Spies, CTO of Voltage Security, and Glenbrook’s George Peabody is about virtual currencies.  It’s a discussion about Bitcoin, other math-based currencies and approaches like Ethereum, Nxt, and more. We’re calling Glenbrook’s podcast series Payments on Fire because, well, payments […]

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