Serena Smith

The 5 Unavoidable Market Forces Driving Convergence in the Evolving Payments Ecosystem by Serena Smith

Payments convergence is presenting payment providers with new opportunities and pressures. Revenue is shrinking for many, but payment speed, volumes and processing complexity continue to…

How to Painlessly Modernize and Renovate ACH Processing for Decades – by Serena Smith

May 31, 2018

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While all the talk within the payment industry seems laser-focused on the march toward a world of real-time payments, established ACH payments ecosystems face a…

Beyond Instant P2P – Real-time Payments for Retailers, SMEs and Businesses – Serena Smith

April 5, 2018

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Real-time payments – systems that transfer and settle transactions almost instantly – are becoming the norm worldwide. Numerous countries already offer well-established services, and…

From Global to Local: Nine Ways That Payments Are Shrinking the World

October 12, 2017

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As payments technologies continue to evolve, we are seeing the boundaries between nations quickly disappear. It has been and will continue to be an amazing…

Convenience, Financial Inclusion and Advocacy: Part 1

June 22, 2017

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What do you view as the biggest challenge in serving unbanked markets? Focused on convenience, this is the first of a three-part series on convenience,…