Podcasts from Glenbrook Partners on the latest developments in payments and fintech. Featuring interviews with opinion leaders, Glenbrook's own take on emerging technologies and industry trends, other news and views on this dynamic industry.
…
continue reading
Paymentseducation Podcasts

1
Episode 265 - Solving the Authentication Conundrum, with Rocky Scales, IDgo
40:04
40:04
Play later
Play later
Lists
Like
Liked
40:04Here’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 mu…
…
continue reading

1
Episode 264 - A PSP’s Guide to Maximizing Merchant Performance, with Brant Peterson, Worldpay
46:31
46:31
Play later
Play later
Lists
Like
Liked
46:31In 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…
…
continue reading

1
Episode 263 - Driving Digital Financial Inclusion: The Journey We’re On and the Road Ahead - Michael Wiegand, Gates Foundation
51:17
51:17
Play later
Play later
Lists
Like
Liked
51:17With 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 impac…
…
continue reading

1
Episode 262 - Bot Attacks Are Getting Smarter...Are You? - Nate Kharrl, Spec
38:42
38:42
Play later
Play later
Lists
Like
Liked
38:42Spec 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.
…
continue reading

1
Episode 261 - Fanning the Flames: Global Payments Acquisition of Worldpay
25:45
25:45
Play later
Play later
Lists
Like
Liked
25:45Glenbrook 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.
…
continue reading

1
Episode 260 - Scams, Stings, and Swindles in Payments #2 - David Maimon, SentiLink
21:33
21:33
Play later
Play later
Lists
Like
Liked
21:33David 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 f…
…
continue reading

1
Episode 259 - Using Real-Time Merchant Intelligence to Enhance Transaction Visibility, with Oban MacTavish, Spade
39:54
39:54
Play later
Play later
Lists
Like
Liked
39:54“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 mer…
…
continue reading

1
Episode 258 - Giving the Green Light to Surcharging, with Emily Tsitrian, Yeeld
29:43
29:43
Play later
Play later
Lists
Like
Liked
29:43As 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 …
…
continue reading

1
Episode 257 - Scams, Stings, and Swindles in Payments - Catching up with David Maimon, SentiLink
36:21
36:21
Play later
Play later
Lists
Like
Liked
36:21In 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 resurgen…
…
continue reading

1
Episode 256 - Banking on Fintech, with Anthony Sharett, Pathward
45:06
45:06
Play later
Play later
Lists
Like
Liked
45:06In 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 discrepanc…
…
continue reading

1
Episode 255 - Glenbrook’s On-Demand Learning Launch and Behind the Scenes with the Payments Education Team
31:59
31:59
Play later
Play later
Lists
Like
Liked
31:59In 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 …
…
continue reading

1
Episode 254 - Reshaping How We Move Money with Booshan Rengachari, Finzly
45:23
45:23
Play later
Play later
Lists
Like
Liked
45:23Booshan 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 …
…
continue reading

1
Episode 253 - Glenbrook Partners: 2024 Payments Industry Trends Wrap Up
50:54
50:54
Play later
Play later
Lists
Like
Liked
50:54The 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 payment…
…
continue reading

1
Episode 252 - Testing, Testing, 123: Payments has evolved in the past 20 years, what about payments testing? with Steve Semelsberger, Testlio
44:20
44:20
Play later
Play later
Lists
Like
Liked
44:20Real 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 u…
…
continue reading

1
Episode 251 - Bridging the Communication Gap Between Treasury and Payments with Debopama Sen, Citi Treasury and Trade Solutions
47:23
47:23
Play later
Play later
Lists
Like
Liked
47:23Payments 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 …
…
continue reading

1
Episode 250 - Fanning the Flames: Ten Years of Apple Pay
29:37
29:37
Play later
Play later
Lists
Like
Liked
29:37Yvette 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…
…
continue reading

1
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
51:26
51:26
Play later
Play later
Lists
Like
Liked
51:26One 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 eC…
…
continue reading

1
Episode 248 - The Ins and Outs of Payouts with Manish Vrishaketu, Tipalti
44:45
44:45
Play later
Play later
Lists
Like
Liked
44:45While “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 ab…
…
continue reading

1
Episode 247 - From the Vault: Multiplayer Fintech Builds a Winning B2B Service – Robin Gandhi, TripActions (Episode 146)
36:09
36:09
Play later
Play later
Lists
Like
Liked
36:09It’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 “p…
…
continue reading

1
Episode 246 - Going Real-Time with Dimitri Dadiomov, Modern Treasury
40:20
40:20
Play later
Play later
Lists
Like
Liked
40:20The 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 Ho…
…
continue reading

1
Episode 245 - Shining a Light on the Dark Web with Dr. David Maimon, SentiLink
1:02:19
1:02:19
Play later
Play later
Lists
Like
Liked
1:02:19Sometimes 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 …
…
continue reading

1
Episode 244 - Fanning the Flames: Understanding Mastercard’s Announcement to "Reimagine Online Checkout" in Europe by 2030
34:03
34:03
Play later
Play later
Lists
Like
Liked
34:03In 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 cor…
…
continue reading

1
Episode 243 - Payments, Authentication, and Identification in the Era of AI with Ori Eisen, Trusona
56:57
56:57
Play later
Play later
Lists
Like
Liked
56:57Authentication 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 …
…
continue reading

1
Episode 242 - From the Vault: Who Are You, Really? FIDO’s Biometric Authentication (Episode 28)
23:25
23:25
Play later
Play later
Lists
Like
Liked
23:25As 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 comp…
…
continue reading

1
Episode 241 - How Open Banking is Reshaping the Financial Playing Field with John Pitts, Plaid
47:49
47:49
Play later
Play later
Lists
Like
Liked
47:49For 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 Pol…
…
continue reading

1
Episode 240: Fanning the Flames: Potential Winners and Losers in the Proposed Acquisition of Discover
38:13
38:13
Play later
Play later
Lists
Like
Liked
38:13In 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 -…
…
continue reading

1
Episode 239 - Talking Payments and Politics with Michele Alt and Adam Shapiro, Partners at Klaros Group
51:47
51:47
Play later
Play later
Lists
Like
Liked
51:47In 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 la…
…
continue reading

1
Episode 238 - Will Pay by Bank Really Compete with Cards? Trevor Nies, Adyen
37:01
37:01
Play later
Play later
Lists
Like
Liked
37:01The 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 wo…
…
continue reading

1
Episode 237 - Is Orchestration the New Normal In Payment Operations? A conversation with John Lunn, Gr4vy
53:15
53:15
Play later
Play later
Lists
Like
Liked
53:15In 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…
…
continue reading

1
Episode 236 - How to Make Money in Payments with Russ Jones, Glenbrook Partners
34:40
34:40
Play later
Play later
Lists
Like
Liked
34:40Glenbrook'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 payme…
…
continue reading

1
Episode 235 - Taking Stock in Fast Payments with Gregor Dobbie, CEO of TFPA and former CEO of Vocalink
50:41
50:41
Play later
Play later
Lists
Like
Liked
50:41Acquired 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 influ…
…
continue reading

1
Episode 234 - Partnerships in the Payments Industry - Insights, Musings, and Hard-Won Wisdom with Steve Klebe
57:43
57:43
Play later
Play later
Lists
Like
Liked
57:43Have 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 …
…
continue reading

1
Episode 233 - How unexpected technology combinations can lead to practical payment solutions with Glendy Kam, Tassat
41:19
41:19
Play later
Play later
Lists
Like
Liked
41:19As 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 bot…
…
continue reading

1
Episode 232 - Talking Payments and Fraud with Julie Fergerson, Merchant Risk Council
39:55
39:55
Play later
Play later
Lists
Like
Liked
39:55In 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…
…
continue reading

1
Episode 231 - Fanning the Flames: Payments Orchestration
35:17
35:17
Play later
Play later
Lists
Like
Liked
35:17In 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 som…
…
continue reading

1
Episode 230 - Talking Central Bank Digital Currencies with Jim Cunha, Former EVP, Federal Reserve Bank of Boston
54:27
54:27
Play later
Play later
Lists
Like
Liked
54:27Launching 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…
…
continue reading

1
Episode 229: What Glenbrook is Watching in Payments in 2024
54:59
54:59
Play later
Play later
Lists
Like
Liked
54:59It 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.…
…
continue reading

1
Episode 228 - Fanning the Flames: 2023 Payments News in Review
35:36
35:36
Play later
Play later
Lists
Like
Liked
35:36Debbie 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) …
…
continue reading

1
Episode 227 - EMVCo: A Textbook Example of Collaboration with Oliver Manahan, EMVCo
1:01:41
1:01:41
Play later
Play later
Lists
Like
Liked
1:01:41What 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 19…
…
continue reading

1
Episode 226 - From the Vault: Talking EMV in the USA (Episode 16)
38:56
38:56
Play later
Play later
Lists
Like
Liked
38:56Debit 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, contactl…
…
continue reading

1
Episode 225 - Fanning the Flames: Money 20/20 Recap
30:06
30:06
Play later
Play later
Lists
Like
Liked
30:06Glenbrook'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…
…
continue reading

1
Episode 224 - Creating Best-in-Class Payment Experiences at Scale with Luda Sokolov and Aarti Bharathan, Google
52:41
52:41
Play later
Play later
Lists
Like
Liked
52:41Creating 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 doin…
…
continue reading

1
Episode 223 - Fanning the Flames: Merchant Fees and Surcharging
24:12
24:12
Play later
Play later
Lists
Like
Liked
24:12“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 the…
…
continue reading

1
Episode 222 - Fanning the Flames: Involuntary Churn
45:27
45:27
Play later
Play later
Lists
Like
Liked
45:27We 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 merchan…
…
continue reading

1
Episode 221 - The Future of Fast Payments in the U.S. with Bernadette Ksepka, Federal Reserve Financial Services and Elena Whisler, The Clearing House
49:45
49:45
Play later
Play later
Lists
Like
Liked
49:45Last 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.
…
continue reading

1
Episode 220 - Stay Ahead of the Game: Understanding and Countering Policy Abuse with Eyal Elazar, Riskified
55:26
55:26
Play later
Play later
Lists
Like
Liked
55:26Policy 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 i…
…
continue reading

1
Episode 219 - Smart Takes on Cross-border Payments - Ryan Zagone, Head of Americas, Wise for Banks, and Joanna Wisniecka, Glenbrook
49:47
49:47
Play later
Play later
Lists
Like
Liked
49:47Government leaders, policymakers, and a host of incumbent and new providers are focusing on cross-border payments. Innovating to increase transparency, lower cost, and make funds available in near real-time is showing up on agendas and roadmaps across the globe. Money and resources are being thrown at this problem from every possible angle. Yet fri…
…
continue reading

1
Episode 218 - The Technologies, Policies, and Realities of Cross-border Payments
46:09
46:09
Play later
Play later
Lists
Like
Liked
46:09Globally, cross-border payments represent $156 trillion annually - roughly 25% of global GDP - and are projected to reach nearly $250 trillion by 2027. From a payments industry perspective, these transactions account for approximately $40 billion of $2.1 trillion in fee-generated revenues, excluding foreign exchange (2022 McKinsey Global Payments R…
…
continue reading

1
Episode 217 - Talking Moonshots with Jared Isaacman, Founder and CEO, Shift4
43:27
43:27
Play later
Play later
Lists
Like
Liked
43:27The payment provider space is a complex and crowded field in the payments universe, particularly when it comes to supporting merchants. Independent Sales Organizations, Payment Facilitators, and Commerce Enablers all work to simplify payment acceptance for merchants, yet they each craft specific go-to-market strategies and differentiated value prop…
…
continue reading

1
Episode 216 – Fanning the Flames: Payments Post #5
23:58
23:58
Play later
Play later
Lists
Like
Liked
23:58Each month, Justin Pituch recaps the news that got Glenbrook talking in his Payments Post. In a "double feature" for June and July, Justin covered two major themes: 1) organizations responding to greenfield opportunity in fast payments and 2) organizations recalibrating their post-COVID fintech bets. In this Fanning the Flames episode, Justin and Y…
…
continue reading