San Diego provided a wonderful venue for another NACHA Payments conference from April 21-24. The theme this year was “Innovation,” and mobile was all the buzz. The keynote speaker was the noted Brett King, who spoke about the quick demise of the Pony Express when businesses didn’t quickly adapt to …

The incidence of fraud in Europe-based online transactions is up by 60 percent in 2012 from the previous year, according to a study by the Portland, Oregon-based consultancy iovation. The countries where the most online fraud originated were Romania, Lithuania and Croatia, according to the study. And according to a …

B2C e-commerce gets all the press. But the B2B e-commerce market is 50% bigger. It’s also growing faster, with a CAGR projected to be 12.4% over the next few years. And right now, it is ripe with opportunities—for those who know how to approach it. Take a look at the …

The Berlin Wall was erected starting in 1961, ostensibly to protect Eastern Bloc nations from “fascist elements.” For almost three decades it disrupted the flow of information, emigration, and business transactions between East and West, causing enormous cultural and economic damage. In 1987 Ronald Reagan famously exhorted Mikhail Gorbachev to …

Bank consolidations these days are producing fewer, bigger banks, resulting in increasingly homogeneous product and service offerings. The common wisdom among big bank CEOs—despite increasing calls to reduce the size of SIFI (Systemically Important Financial Institutions)—continues to be the pursuit of economies of scale as their mantra for success. One result of …