Serena Smith

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

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,…