Payments on Fire™
Podcast from Glenbrook Partners covering the latest developments in payments and fintech. Features interviews with opinion leaders, Glenbrook's own analysis of emerging technologies and industry trends, plus news and views on the dynamic payments industry.
Episodes
Episode 299 - The Evolving Payments Regulatory Environment in the European Union, with Scott McInnes, Bird & Bird
Glenbrook's Chris Uriarte and Samantha Gordon continue their global payments regulation series with Scott McInnes, Partner at Bird & Bird, focusing on the European Union. Tune in as they explore the EU's highly regulated landscape, the challenges of inconsistent national enforcement across 27 member states, and developments on current regulatory topics: Payment Services Directive - PSD2 to PSD3
Episode 298 - The Patchwork of Payments Regulation in the US, with Duncan Douglass, Alston & Bird LLP
Kicking off a series of regulation-related episodes, Duncan Douglass, payments attorney and Partner at Alston & Bird LLP, joins Chris Uriarte and Samantha Gordon to turn the confusing and sometimes tedious topic of US payments regulation into an entertaining and enlightening update. The conversation begins with who actually regulates payments in the US and how US payments oversight differs from th
Episode 297 - A New Era for Card Issuing, with Nikil Konduru, Lithic
Drew Edmond and Chris Uriarte chat with Nikhil Konduru, Chief Commercial Officer at Lithic, to discuss modern card issuing infrastructure and where the market is headed. They break down the issuing stack and discuss issuer-side tools to improve authorization outcomes, reduce fraud and servicing costs, and increase transparency. The conversation also covers cross-border approval and economics, and
Episode 296 - Fanning the Flames - Beyond Borders: Navigating Your Global Payments Strategy
Going global with your payments strategy requires far more than choosing a single payment provider: companies must weigh local acquiring versus cross-border acquiring, country-by-country payment preferences, entity structure, tax implications, compliance requirements, authorization performance, currency handling, and provider coverage. In this episode, Chris Uriarte joins Glenbrook colleagues Sama
Episode 295 - Fanning the Flames - 2026 Mid-Year Payments Industry Trends Update
The Glenbrook team is taking stock in June 2026 to see how the predictions from our January episode are holding up. Tune in for updates on trending topics in payments, including agentic commerce, stablecoins, cross-border and instant payments, risk and fraud, and the regulatory landscape. We also share insights on the "hot off the presses" news on tokenized deposits and the Visa/Mastercard interch
Episode 294 - Zelle's Evolution in the Payments Landscape, with Preston McCaskill, Early Warning Services
In this episode, Russ Jones welcomes Preston McCaskill, Chief Operating Officer for Zelle, an open loop fast payments network owned and operated by Early Warning Services that moves money directly between two bank accounts in the US. Listen in as they discuss network's growth into small business payments, the onboarding process for financial institutions, and Zelle's settlement process and alias d
Episode 293 - Unlocking Merchant Growth in Emerging Markets, with João Del Valle, EBANX
In this episode, Drew Edmond is joined by João Del Valle, CEO and co-founder of EBANX, to talk about the origin story of EBANX, why Brazil has historically been such a difficult market for non-Brazilian merchants, and what João has learned as the company has expanded into new regions. Listen in as they cover some of the biggest topics shaping the next phase of global payments, including Pix and Pi
Episode 292 - Modern Authentication and the Impact on Payments Cost and Performance, with Amandeep Batra, Stripe and Dewald Nolte, Entersekt
This episode is a follow-up to our 2024 discussion with Stripe and Entersekt on the use of 3-D Secure (3DS) in markets where strong customer authentication is not mandated, particularly the United States. That earlier conversation was grounded in Stripe's analysis of US 3DS transactions and explored a counterintuitive but important finding: when 3DS is deployed selectively in unregulated markets,
Episode 291 - The Complex and Growing World of Platform Payments, with Blake Breathitt, Adyen
In this episode, Chris Uriarte speaks with Blake Breathitt, Senior Vice President of Platforms and Financial Services at Adyen, about one of the biggest growth engines in the industry over the past few years - platform payments. Listen in as they discuss the nature of this interesting segment of the industry, the nuance behind platform payments, and just what's driving this platform payment phenom
Episode 290 - The Evolution of VAMP and Card Network Fraud Monitoring, with Keith Briscoe, MRC, and Allan Shearer, J.P. Morgan
In this episode, Chris Uriarte welcomes Keith Briscoe, VP, Advocacy and Education at the Merchant Risk Council, and Allan Shearer, Executive Director, Head of TMT Relationship Management at J.P. Morgan, to focus on the evolution of card network fraud monitoring programs, and in particular, VAMP, Visa's Acquirer Monitoring Program, which combines fraud and dispute metrics to better manage risk at b
Episode 289 - Stablecoin Infrastructure in Emerging Markets, with Chris Maurice, Yellow Card
Over the past several episodes, we've been building a conversation about how stablecoins are reshaping the global payments landscape. These conversations surfaced something important: this isn't just a technology story. It's a story about access. And there's another critical piece of the puzzle: the infrastructure that makes stablecoin payments actually work on the ground in emerging markets. In t
Episode 288 - The First 25 Years of Glenbrook - Fanning the Flames with our Founders
It's an auspicious year and month for us at Glenbrook as on March 1, 2026 we mark the 25th anniversary of the founding of our firm, celebrating a quarter-century of pushing forward the frontiers of payments knowledge and strategy and our continuing efforts to build the broader global payments community. A lot has happened in payments over the last 25 years and there could be no better way to celeb
Episode 287 - Fanning the Flames - State of Stablecoins 2026
Join Glenbrook's Russ Jones and Ashley Lannquist for a detailed discussion on the state of stablecoins, focusing on market developments, regulatory and policy impacts, usage patterns, and competition from other improved payments systems. Learn more about the stablecoin landscape in our 2-hour, self-paced course, Stablecoin Essentials.
Episode 286 - Understanding Trust in the Modern Agentic and Digital Economy, with Jenny Hadlow and Rory O'Neill, Checkout.com
Trust is fundamental to payments. Gaining and maintaining trust in the payments ecosystem has always been challenging, but it becomes increasingly difficult as the industry rapidly advances and innovates. How does our trust model evolve when we move from a world where consumers are always virtually or physically present to make a purchase to a new world where robots are doing their bidding? In thi
Episode 285 - Fanning the Flames - What We're Watching in Payments in 2026
2026 is set to be another dynamic year in payments. Join our Glenbrook partners as they discuss their perspectives on industry trends and what they'll be keeping an eye on this year, including: Agentic Commerce Tokenization Stablecoins Fast Payments Cross-Border Payments Subscription and Recurring Payments Card Interchange and Surcharging Regulation and Banking Trends Risk and Fraud
Episode 284 - Fanning the Flames - Advanced Payments Workshop Recap
If you missed our Advanced Payments workshop in San Francisco last month, tune in to this episode to hear Yvette Bohanan and Russ Jones discuss the key topics and conversations from the session, including card network updates, stablecoins, and agentic commerce. Join us for a live, virtual Advanced Payments workshop on May 12-13 for more updates and insights into critical industry topics, or deep
Episode 283 - Banking on Stablecoins, with Scott Southall and Will Artingstall, Citibank
In this episode, Yvette Bohanan and Ashley Lannquist welcome Scott Southall, Head of BaaS, and Will Artingstall, Head of Digital Assets Payments and e-Commerce at Citi, to dig into what recent stablecoin regulatory changes mean for the future of banking, how U.S. institutions are mobilizing behind digital dollars, why clients are asking about new forms of money, and what's next as stablecoins pote
Episode 282 - Why You Need a Stablecoin Strategy, with Ran Goldi, Fireblocks
In this episode, Yvette Bohanan welcomes back Ran 'Goldi' Goldshtein, Senior VP of Payments and Networks at Fireblocks, to provide his perspective on the evolution of the digital currency space. Tune in as they break down a stablecoin transaction, discuss the current state and adoption of blockchain technology, and review various use cases for stablecoins. They define terms like TradFi, Defi, and
Episode 281 - Fanning the Flames - Unpacking the Latest Proposed Settlement of the Payment Card Interchange Litigation
In this episode, Bryan Derman, Russ Jones, and Chris Uriarte share their first-take analysis of last week's proposed settlement of the long-running antitrust litigation between Visa/Mastercard and a group of merchants regarding Payment Card Interchange and Merchant Discounts. The discussion covers the basic parameters of the settlement proposal and then investigates some of the possible reactions
Episode 280 - Reflections on Fraud in 2025 and What Lies Ahead, with David Maimon, SentiLink
In this episode, Yvette Bohanan welcomes back David Maimon, Head of Fraud Insights at SentiLink, for the final episode of this year's fraud series. Listen in as Yvette and David reflect on state of fraud as 2025 comes to a close. They discuss rising identity theft reports, the persistent challenges of measuring fraud losses, and the alarming trends associated with synthetic identities, stolen ide
Episode 279 - Fanning the Flames - Money 20/20 2025 Recap
Chris Uriarte and Drew Edmond are back from Money 20/20 and join Yvette Bohanan on this episode to provide their insights on the prevailing themes and standout announcements. Tune in to also hear tips for navigating the conference and overall thoughts on the evolution of Money 20/20 and other industry events.
Episode 278 - From Prefunding to Flow: Rethinking Global Settlement, with Mouloukou Sanoh, MANSA
We've seen a big push in recent years to improve cross-border payments. And yet, cross-border payments remain problematic for consumers and businesses, particularly in emerging markets or parts of the world with volatile currencies or limited availability of correspondent banks. At the center of this challenge is a concept called liquidity. In this episode, Yvette Bohanan and Ashley Lannquist welc
Episode 277 - Fanning the Flames - Recent Developments in Agent Protocols
We joke that all conversations should be recorded at Glenbrook because they often lead to some interesting podcast episodes. If you have 15 mins, tune in for a fly-on-the-wall perspective in this bonus Fanning the Flames on recent developments in agent protocols. Russ Jones and Yvette Bohanan reflect on the history of the Secure Electronic Transaction (SET) protocol and how it compares to modern
Episode 276 - Fanning the Flames - Stablecoin Economics
The three major takeaways from stablecoins are that they are fast, global, and low cost. But why are they low cost? Thus began our quest to dive into the economic ecosystem of stablecoins. When creating material for our workshops or roundtable meetings, we're always thinking about how to give slides the "Glenbrook treatment" - how do we get past the headlines and down to fundamentals? In this Fann
Episode 275 - The Criticality of Optimizing the Payments Experience, with Anne Hay and Mike Kaplan, PayNearMe
In this episode of Payments on Fire, Chris Uriarte welcomes Anne Hay, Chief Marketing Officer, and Mike Kaplan, Chief Revenue Officer, from PayNearMe to discuss the evolution and optimization of the payments experience. They explore the broader concept of payments optimization and how improvements and customization in all aspects of the payments journey can lead to organizations getting paid faste
Episode 274 - Looking through the Fog: Investing in Times of Great Uncertainty, with Timothy Chiodo, UBS, and Christopher Kim, Capital Group
In this episode, Bryan Derman welcomes two highly respected members of the investment community who represent the two sides of that business: Tim Chiodo, Managing Director and Lead Analyst for Payments, Processors and Fintech at the global investment bank UBS, and Chris Kim, a public and private market investor who leads payments and fintech activities for Capital International, one of Capital Gro
Episode 273 - The Hard Science of Fraud Investigations, with David Maimon, SentiLink
"97.0% for those whose full personal information was freely available on the darknet" experienced identity theft attempts, according to a key finding in SentiLink's recent report on the probability of loss. In part three of our series on payments fraud trends and tactics, we welcome back David Maimon, Head of Fraud Insights at SentiLink, to dive into how David and his team use a "data-driven" app
Episode 272 - Fanning the Flames - 2025 Mid-Year Payments Industry Trends Update
In our 2024 Wrap Up episode, we looked into our crystal ball to predict how different payments themes may evolve in the coming year; however, this industry delivers headlines at a rapid-fire pace (by the way, are you subscribed to Payments News?) and it can be hard to keep up. To help you read the tea leaves in the mountains of publications, Yvette Bohanan rounded up Chris Uriarte and Drew Edmon
Episode 271 - Sufficiently Solving the Non-Sufficient Funds Puzzle with Chanan Lavi, Kipp
In this episode, Drew Edmond is joined by Chanan Lavi, CEO and Co-founder of Kipp, to discuss solutions to one of the most common card decline reasons - non-sufficient funds. Listen in as they talk about how to optimize these transactions and explore the implications for merchants, issuers, and consumers.
Episode 270 - Fanning the Flames - Beyond "Behind": Rethinking US Instant Payments
How fast is fast enough? When we look at fast payments data across countries, the US comes in pretty far behind in transactions per capita. And on the surface, this makes sense. FedNow is still new, and RTP volumes are relatively low. Join Russ Jones and Will Eisler at the Glenbrook water cooler as they debate a looser definition of fast payments, explore challenges for adoption of traditional f
Episode 269 - Designing Digital Financial Services for Women is Designing for All, with Sonja Kelly, Women's World Banking Institute
In our third episode in a series to spotlight the latest in global developments in payment systems from a financial inclusion lens, Sonja Kelly, Global Head of Women's World Banking Institute, joins Joanna Wisniecka to dive into design principles for inclusive digital financial systems and how all end users benefit when design considers the specific needs of women. Listen in as they discuss barrie
Episode 268 - Rethinking Payment Optimization Through the Merchant of Record Model, with Rehman Baig, FlexFactor
In this episode, Rehman Baig, Chief Product Officer at FlexFactor joins Drew Edmond to talk about how FlexFactor is rethinking payments optimization through a Merchant of Record model. For most people in the industry, "Merchant of Record" is usually associated with global tax compliance and marketplaces, not optimization. But FlexFactor is using it to directly address failed payments and auth rate
Episode 267 - Fanning the Flames: Agentic Commerce
Would you let a software agent, powered by AI, search, select, and complete a purchase on your behalf? Will a merchant be able to tell if there's a human or robot behind the transaction? What about risk and regulation concerns? Russ Jones and Drew Edmond spent some time at the Glenbrook water cooler this week to consider the rapidly emerging topic of agentic commerce and agentic payments. Tune in
Episode 266 - Innovating Inclusive Financial Systems on the African Continent, Sabine Mensah, AfricaNenda
In a series of episodes, Glenbrook's Joanna Wisniecka will to bring you up to speed on what's happening globally as countries modernize payment networks and reach individuals and businesses through faster payment systems. In this episode, Joanna welcomes Sabine Mensah, Deputy CEO of AfricaNenda, a leader in financial inclusion, to explore Africa's dynamic path towards inclusive instant payment sys
Episode 265 - Solving the Authentication Conundrum, with Rocky Scales, IDgo
Here's a payments conundrum for you: We now have more ways to authenticate access to an online account or app than ever before. And yet, account takeover (ATO) - basically unauthorized access to an account - is at record levels. In this episode, Glenbrook's Yvette Bohanan and Chris Uriarte are joined by Rocky Scales, CEO of IDgo, to explore this multifaceted problem. Tune in as they discuss the v
Episode 264 - A PSP's Guide to Maximizing Merchant Performance, with Brant Peterson, Worldpay
In this episode, Brant Peterson, Head of Enterprise Product, North America at Worldpay, joins Drew Edmond to talk about payment optimization through the perspective of a payment service provider. Worldpay is one of the world's largest global PSPs - it processed over 2.5 Trillion Dollars in 2024, which was made up of 50 Billion transactions. Tune in to hear their perspectives on payment optimizatio
Episode 263 - Driving Digital Financial Inclusion: The Journey We're On and the Road Ahead - Michael Wiegand, Gates Foundation
With this episode, we are launching a series to explore the current state of global financial inclusion efforts from a payments perspective. Joanna Wisniecka joins Yvette Bohanan to chat with Michael Wiegand, Director of Inclusive Financial Systems at the Gates Foundation, about the work the Foundation is doing globally and the transformative impact of digital financial inclusion on economies and
Episode 262 - Bot Attacks Are Getting Smarter...Are You? - Nate Kharrl, Spec
Spec co-founder and CEO Nate Kharrl joins Yvette Bohanan on Payments on Fire to dig into some of the tactics and tech that is enabling today's fraud schemes, and how GenAI is redefining the payments risk landscape.
Episode 261 - Fanning the Flames: Global Payments Acquisition of Worldpay
Glenbrook partners Bryan Derman, Chris Uriarte, and Simon Skinner jump on a special Fanning the Flames episode of Payments on Fire to give a first take on the Global Payments acquisition of Worldpay. Tune in to hear their strategic perspective on the deal.
Episode 260 - Scams, Stings, and Swindles in Payments #2 - David Maimon, SentiLink
David Maimon, head of Fraud Insights at SentiLink, joins Yvette Bohanan for another episode to raise awareness about different fraud tactics and their impacts. In this conversation, Yvette and David explore the intricacies and implications of Credit Profile Numbers (CPNs) and synthetic identity fraud, as well as "zombie debt" and assumed identity fraud. Listen in to hear the implications of the
Episode 259 - Using Real-Time Merchant Intelligence to Enhance Transaction Visibility, with Oban MacTavish, Spade
"Payments Performance Optimization" is a pretty broad term, and it might mean different things to different people. In a series of Payments on Fire episodes this year, Glenbrook's Drew Edmond will be talking to guests who are approaching payments optimization from a variety of different angles, with a focus on primarily online, card not present merchants. At the end of the day, a merchant wants
Episode 258 - Giving the Green Light to Surcharging, with Emily Tsitrian, Yeeld
As legal and regulatory restrictions have become relaxed in recent years, we've been noting the increasing prevalence of surcharges on payment cards here in the U.S. Perhaps it was inevitable that the practice would become more commonplace in our market, which is known around the world for relatively high rates of card interchange and a relatively light touch in financial services regulation. Sur
Episode 257 - Scams, Stings, and Swindles in Payments - Catching up with David Maimon, SentiLink
In 2024, to our great delight, we had a conversation with David Maimon, Head of Fraud Insights at SentiLink. We're fortunate to welcome David back for a quarterly series this year to check in on payments fraud writ large - to better understand what's happening and why. Listen in to this episode as Yvette and David discuss the evolution and resurgence of check fraud, the increasing sophistication o
Episode 256 - Banking on Fintech, with Anthony Sharett, Pathward
In this episode, Anthony Sharett, President of Pathward, joins Glenbrook's Bryan Derman to share insights on the evolving partner banking space, the importance of risk and compliance frameworks, and Pathward's mission of financial inclusion. Tune in as they also discuss potential policy and regulatory changes due to implications of major discrepancies in the banking-as-a-service arrangement betwee
Episode 255 - Glenbrook's On-Demand Learning Launch and Behind the Scenes with the Payments Education Team
In this episode, Debbie Bartoo and Russ Jones join Yvette Bohanan to discuss Glenbrook's focus on payments education and share some of the fun and fascinating things that have happened in facilitating workshops for 34,000 (and counting) payments geeks. Listen in to hear behind-the-scenes insights from their workshop experiences and highlights from the latest offering, On-Demand Learning, as Glenbr
Episode 254 - Reshaping How We Move Money with Booshan Rengachari, Finzly
Booshan Rengachari, CEO of Finzly, joins Glenbrook's Elizabeth McQuerry and Simon Skinner to discuss how software, fast payments, and open banking are reshaping the banking industry and the way we think about financial services. Tune in as they cover the challenges of modernizing legacy banking systems, the rise of fast payments, and the potential of open banking to integrate banking services into
Episode 253 - Glenbrook Partners: 2024 Payments Industry Trends Wrap Up
The Glenbrook partners reflect on key trends and challenges in the payments industry that shaped 2024 - from generative AI, open banking, the evolving regulatory landscape, and the rise of fast payment systems worldwide. And you can't get the Glenbrook team in a "room" without discussing ongoing fraud implications, orchestration in merchant payments, and the progress of tokenization. Tune in to he
Episode 252 - Testing, Testing, 123: Payments has evolved in the past 20 years, what about payments testing? with Steve Semelsberger, Testlio
Real end-to-end testing requires real-world transactions. Sometimes that's not too difficult to do if you are implementing payments in your own country. But step outside your border, and it gets a bit harder. People new to payments turn to logical solutions when faced with this problem. Can you call the acquirer? Won't they have test accounts for us to use? (Probably not.) Can't we just drip a fe
Episode 251 - Bridging the Communication Gap Between Treasury and Payments with Debopama Sen, Citi Treasury and Trade Solutions
Payments and treasury are two sides of the same coin. Payments teams are responsible for the customer journey - payments into a company and sometimes disbursements to sellers, app developers, content creators, or vendors. Their role usually includes working with banks and other providers to ensure money moves into and out of the company's accounts correctly and efficiently. Treasurers are respons
Episode 250 - Fanning the Flames: Ten Years of Apple Pay
Yvette Bohanan and Russ Jones celebrate the 10-year anniversary of the announcement of Apple Pay by reflecting on its origins, challenges, and successes. The episode highlights key features like tokenization, encryption, and biometric authentication, emphasizing Apple Pay's focus on security, privacy, and convenience. Tune in to take a look back at Apple Pay's significant impact on the payments in
Episode 249 - Two Decades of 3-D Secure: Can Strong Customer Authentication Succeed in the US and Unregulated Markets? with Dewald Nolte, Entersekt and Amandeep Batra, Stripe
One of the existential challenges remaining in payments is the need to accurately authorize transactions conducted online. While markets like the EU, UK and India have mandated strong customer authentication for online transactions, the U.S. is the largest market where such stepped-up authentication remains optional. Only a very small portion of eCommerce purchases utilize the 3-D Secure protocol
Episode 248 - The Ins and Outs of Payouts with Manish Vrishaketu, Tipalti
While "paying into" a company comes with nuance and complexity, it's really nothing compared to what is involved when a business attempts to make an outgoing payment. Most of us don't think very much about these "payouts". It's been the domain of ERP software for decades, often an asterisk mentioning "supported payments". Whether you are talking about B2B payments, expense reimbursements, or mass
Episode 247 - From the Vault: Multiplayer Fintech Builds a Winning B2B Service – Robin Gandhi, TripActions (Episode 146)
It's September 2024, and this month, we're focusing on business-to-business payments. B2B payments are difficult because so much information must be exchanged for them to process efficiently. But there's more to it than that. B2B payments are many things to many people - for finance teams, they are "payables"; for gig economy companies, they are "payouts"; for providers, like insurance companies,
Episode 246 - Going Real-Time with Dimitri Dadiomov, Modern Treasury
The introduction of real-time payments in the U.S. market has been unfolding for several years now, but it seemed to pick up momentum in the last year as FedNow came to market. We now have over 1,000 banks live with real-time payments (at least for receiving) and a solid majority of transaction accounts are now reachable via FedNow, The Clearing House's RTP system, or both. We wanted to understand
Episode 245 - Shining a Light on the Dark Web with Dr. David Maimon, SentiLink
Sometimes an episode sticks with me. It just keeps coming back in different ways. Reading an article, having a conversation, even watching TV can make me stop and reflect on a recording. This is exactly what has been happening since we sat down with Dr. David Maimon, Head of Fraud Insights at SentiLink, to talk about fraud. As always, we covered a lot of ground in this episode. As you might expect
Episode 244 - Fanning the Flames: Understanding Mastercard's Announcement to "Reimagine Online Checkout" in Europe by 2030
In this Fanning the Flames episode of Payments on Fire, Glenbrook's Bryan Derman, Chris Uriarte, and Russ Jones discuss Mastercard's bold June announcement to eliminate manual card number entry for eCommerce transactions in Europe by 2030, and explore the challenges and necessary steps to achieve this goal. The conversation centers around three core components from the announcement: tokenization,
Episode 243 - Payments, Authentication, and Identification in the Era of AI with Ori Eisen, Trusona
Authentication and identification are top of mind for payments professionals battling fraud these days. We've made progress over the past two decades in managing payments risk in the digital era, but fraud continues to evolve and often seems to be one or several steps ahead. The classic cat-and-mouse game has moved to a point where "Are you really you?" and "Should you have access to this account?
Episode 242 - From the Vault: Who Are You, Really? FIDO's Biometric Authentication (Episode 28)
As scams, ransomware, account takeovers, and old-fashioned data breaches persist in our personal and business lives, we are all pondering how to get ahead in the cat-and-mouse game that global fraud rings seemingly have mastered. With this episode, we're setting the stage for a series of discussions on authentication and identity, the critical components of tackling this pervasive issue. We're emb
Episode 241 - How Open Banking is Reshaping the Financial Playing Field with John Pitts, Plaid
For decades, technology, regulations, and dissatisfaction with the status quo have formed a powerful triad, driving payments innovation. This triad is fueled by investors and innovators seeking to disrupt and legislators and agencies seeking to enforce compliance, increase transparency, and enhance fairness. In this episode, John Pitts, Head of Policy at Plaid, sat down with Yvette Bohanan to disc
Episode 240: Fanning the Flames: Potential Winners and Losers in the Proposed Acquisition of Discover
In this episode, we fan the flames to get Glenbrook's hot takes on the proposed Capital One acquisition of Discover. Now that the dust has settled a bit on the February announcement, and while we wait with bated breath to see if the regulators will sign off on this deal, we wanted to debate the potential winners and losers - and possible outcomes - of an acquisition. We spend some time discussing
Episode 239 - Talking Payments and Politics with Michele Alt and Adam Shapiro, Partners at Klaros Group
In this episode, Yvette Bohanan is joined by Glenbrook Managing Partner Bryan Derman and guests Michele Alt and Adam Shapiro, Partners at the Klaros Group. The result is a lively discussion about regulators and the impact of the current regulatory environment on banks and fintechs, a topic of utmost relevance in today's rapidly evolving industry landscape. The economy and all that is at play durin
Episode 238 - Will Pay by Bank Really Compete with Cards? Trevor Nies, Adyen
The process of accepting payments is a labyrinth of complexity, and payment service providers are the guiding lights that help merchants navigate this maze. They assist in deciding which payments to accept, how to connect to networks, and, most crucially, how to optimize revenues and reduce risk. But what about the providers themselves? Is their work getting more or less complicated? We sat down w
Episode 237 - Is Orchestration the New Normal In Payment Operations? A conversation with John Lunn, Gr4vy
In Episode 231, Samantha Gordon and Simon Skinner discussed the orchestration framework they developed to help our clients decipher a somewhat overused term in the industry. It was a great discussion, and if you missed it, I recommend you give it a listen. We covered a lot of ground in that episode that sets up this conversation with John Lunn, CEO and Founder of Gr4vy. While preparing for this p
Episode 236 - How to Make Money in Payments with Russ Jones, Glenbrook Partners
Glenbrook's Russ Jones often chats with professionals working for companies inside the payments industry who are providing payments and services to end users such as businesses, enterprises, governments, and individuals. Or they may be working at an enterprise, a merchant, or a biller. And they're all trying to figure out how to save money in payments. In this episode, Russ joins Yvette to talk th
Episode 235 - Taking Stock in Fast Payments with Gregor Dobbie, CEO of TFPA and former CEO of Vocalink
Acquired by Mastercard in 2017, the UK's Vocalink manages the UK's Bacs payment system, ATM LINK switching platform, and the Faster Payments System, FPS. To make this more tangible, consider these statistics: Vocalink processes over 90% of UK salaries, more than 70% of household bills, 98% of state benefits, and powers 60,000 ATMs. Vocalink's influence goes beyond the UK, with technology that pow
Episode 234 - Partnerships in the Payments Industry - Insights, Musings, and Hard-Won Wisdom with Steve Klebe
Have you ever wished for a "payments sherpa"? Someone who would share their experiences, opinions, and advice about this industry - the uncut, "real real" of what can happen and what to remember as you move along your payments journey. In this episode, we sit down with one of our favorite payments industry sherpas - Steve Klebe. No stranger to our podcasts, this time Steve talks about payments pa
Episode 233 - How unexpected technology combinations can lead to practical payment solutions with Glendy Kam, Tassat
As humans, our brains like to organize things - classify them, put them in silos. This thinking often works to our advantage - enabling deep analysis and understanding. Sometimes, though, it can work against us. We can be bound to a siloed thought process - a "this or that" false choice that causes us to miss the greater value inherent in doing both. In searching for guests who will inspire us to
Episode 232 - Talking Payments and Fraud with Julie Fergerson, Merchant Risk Council
In this episode, Glenbrook Partners Yvette Bohanan, Russ Jones, and Chris Uriarte sat down with Julie Fergerson - a long-time payments professional who co-founded the Merchant Risk Council in 2000 and returned a few years ago to take on the role of CEO for what is now an industry-leading, global non-profit. We talk with Julie about how the payments industry has changed over the last two decades,
Episode 231 - Fanning the Flames: Payments Orchestration
In this episode, we are exploring one of the "buzziest" buzz words in payments today - orchestration. If you have been in the payments space for a long time, your reaction to hearing about orchestration might be "What's all the fuss about? We've been evolving these capabilities for decades." If you are new to the industry, you may think this is some kind of high-performance jet fuel that is painfu
Episode 230 - Talking Central Bank Digital Currencies with Jim Cunha, Former EVP, Federal Reserve Bank of Boston
Launching a payment product requires big moonshot thinking alongside a lot of agonizing over the details. Understanding the market, the customer journey, and the technology - from every angle requires patience, persistence, and a beginner's mindset to learn from every success and failure. Thinking about launching a new form of currency, however, is on another level altogether. There's an entire po
Episode 229: What Glenbrook is Watching in Payments in 2024
It is a rare occurrence when we get to have ALL the Glenbrook partners in one episode of Payments on Fire! Glenbrook is kicking off the new year with a (lengthy) conversation on what payments industry trends and developments we think are the most interesting, compelling, and controversial at the moment, and what to watch as we move into 2024.
Episode 228 - Fanning the Flames: 2023 Payments News in Review
Debbie Bartoo, the editor of Glenbrook's daily Payments News, guest hosts this Fanning the Flames episode of Payments on Fire alongside colleagues Justin Pituch and Will Eisler. Listen in as they discuss some of the top payments headlines of the year - fast payments, rising interest rates, BNPL, mobile wallets, identity, CBDCs, and (just a bit of) regulation. If you want to stay on top of the rapi
Episode 227 - EMVCo: A Textbook Example of Collaboration with Oliver Manahan, EMVCo
What if every time you went to pay for something at a store, the clerk behind the counter had a different terminal for each card network - one for Visa, another for American Express, and a few others for local domestic networks? That was what much of the world was like decades ago - and it still is a bit like that in some countries today. But in 1999, collaboration entered the picture when Europay
Episode 226 - From the Vault: Talking EMV in the USA (Episode 16)
Debit routing - once again, all the rage. On July 1, 2023, the US Federal Reserve's clarification on Reg II went into effect. The clarification confirms that Reg II - which required unaffiliated debit network routing as part of the Durbin Amendment - also applies to CNP environments. What were we thinking in 2015 when debit routing at POS, contactless payments, and chip and PIN were "of the momen
Episode 225 - Fanning the Flames: Money 20/20 Recap
Glenbrook's Bryan Derman, Chris Uriarte, and Drew Edmond are back from a few days of learning, networking, and speaking (including a live broadcast from the Money Pot) at this year's Money 20/20 conference in Las Vegas. Chris and Drew talk with Yvette Bohanan about the noteworthy payments trends they observed at the show and what related themes our team is paying attention to.
Episode 224 - Creating Best-in-Class Payment Experiences at Scale with Luda Sokolov and Aarti Bharathan, Google
Creating a great purchase experience may start with a frictionless checkout process, but it doesn't end there. In fact, it takes a lot of effort to create a well-functioning payment platform and a cross-functional operations environment to keep a business running smoothly and customers happy. Like most things in life, it's easier to talk about doing this than to do it. So it helps to learn from so
Episode 223 - Fanning the Flames: Merchant Fees and Surcharging
"So, have fees gone up?" Yvette Bohanan starts with the tough question in this Fanning the Flames episode. In our August Payments Post, Chris Uriarte and Justin Pituch observed an underlying theme of broad downward pressure on the cost of merchant processing as well as fee backlash directed towards card networks. Tune in to hear our thoughts on these fees and the impact on stakeholders across t
Episode 222 - Fanning the Flames: Involuntary Churn
We get the opportunity to work with many different types of merchants in our Merchant Practice at Glenbrook: Global omnichannel retailers, marketplaces, commerce platforms, utilities, you name it. One of the major categories that we work with is subscription merchants, and they come with their own unique needs and perspectives. Subscription merchants and merchants that have recurring payments as
Episode 221 - The Future of Fast Payments in the U.S. with Bernadette Ksepka, Federal Reserve Financial Services and Elena Whisler, The Clearing House
Last week, we hosted the first Payments on Fire Live Stream event on the future of fast payments in the U.S. This episode highlights the panel conversation with Bernadette Ksepka, Federal Reserve Financial Services, Elena Whisler, The Clearing House, and Bryan Derman, Glenbrook Partners.
Episode 220 - Stay Ahead of the Game: Understanding and Countering Policy Abuse with Eyal Elazar, Riskified
Policy abuse, a form of first-party fraud, occurs when a customer - whether legitimate or a professional posing as a legitimate customer - manipulates a business's policies for financial gain. In this episode, Yvette Bohanan and Chris Uriarte sit down with Eyal Elazar, Head of Product Marketing at Riskified, to discuss policy abuse trends and the implications of consumers and professional crimina
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