PAYMENTS VIEWS
Glenbrook’s commentary and opinion blog: written by members of the Glenbrook team. We share our “rants and raves” on industry topics, large and small.

*Please note – We do not accept third-party articles or blog posts on our website. PaymentsNews is a curated news feed and PaymentsViews is Glenbrook’s own blog.
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Payments Post #18: The Year of the Anti-Regulator?
In this Payments Post, we're thinking about the tension that’s emerged in the regulatory space as a result of the recent change in government with an eye on the controversial CFPB. Read our (not legal advice!) thoughts on what we see playing out in Washington, and what it might mean for the payments industry.
Payments Post #17: Cutting Costs
In this Payments Post, we discuss the DOJ bringing a lawsuit against Visa that alleges the company operates an illegal monopoly in the debit card space. Does the argument have merit in our non-legal minds? And if so, what could the DOJ’s move mean for an evolving payments landscape?
Payments Post #16: The Apple Drops
It’s time for another edition of Payments Post and (surprise!) we’re thinking about the Visa Flexible Credential again. Now that Apple has plans to open up the NFC chip and Secure Element to third party developers, we’re scratching our heads. Who benefits from this newfound NFC access? What opportunities can fintechs unlock? How will conventional financial institutions react? And to tie it all back, does the VFC still matter?
Payments Post #15: BNPL Battles
In this month's Payments Post, we revisit the prime use case for Visa Flexible Credential (VFC): BNPL. How are buy now pay later providers positioning themselves in the current environment, how are consumers using their tools, and how are regulators and issuers responding?
Payments Post #14: Wallet World – WWDC, VFC, Tokens, and the Future of the “Card”
In this month's Payments Post, Glenbrook takes a look at recent changes to the Apple Wallet announced at WWDC, the Visa Flexible Credential (VFC), tokenization, and the future of card transactions.
Recent News
The Burritos You Bought With Installment Payments Will Now Appear on Your Credit Report
"As more and more products become available for purchase in installments—even takeout food and groceries—credit-reporting bureaus are moving to incorporate that data into consumers’ profiles. Affirm began sharing data with Experian and has been feeding information to...
Capital One’s $35 Billion Deal for Discover Clears Us DOJ Hurdle, NYT Reports
"Capital One Financial Corp got the greenlight from the Justice Department for its proposed $35 billion acquisition of Discover Financial Services, the New York Times reported. The approval came after the DOJ told other regulators looking into the acquisition that it...
European Payment Alliance Advances Instant Cross-Border Transactions
"The European Payment Alliance (EuroPA) has initiated a major shift towards instant cross-border payments by integrating mobile transfer schemes such as Italy’s Bancomat, Spain’s Bizum, Portugal’s MB WAY, and Iberia’s Sibs. This development allows users across Italy,...
JP Morgan Seeks Merchant Banking Licence in Nigeria to Expand Local Operations
"JP Morgan Chase & Co. is making a strategic move to deepen its presence in Nigeria by applying for a merchant banking licence from the Central Bank of Nigeria (CBN). This development will allow the American financial giant to transform its existing Lagos...

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