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Instant Payments Maven™
Perspectives on instant payments, risk, and payments modernization
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The power of real time payments in payroll: Driving Financial inclusion
Through the power of real time payments, we have the opportunity to redefine financial inclusion ...

Marcia Klingensmith
Nov 2, 20232 min read


Getting Started with Instant Payments: Navigating Operational Impacts for Financial Institutions
By approaching real-time payments implementation strategically, financial institutions can stay ahead while meeting customer needs.

Marcia Klingensmith
Jul 30, 20233 min read


Real Time Payments: Empowering Financial Inclusion for All
In today's fast-paced world, economic mobility is declining, and unexpected events can leave many individuals struggling to recover. The...

Marcia Klingensmith
Jul 13, 20233 min read


Unleashing the Power of Instant Payments: Boosting Cash Flow and Meeting Customer Expectations
In this article, we delve into the world of instant payments and explore how small to mid-size financial institutions can benefit from...

Marcia Klingensmith
May 4, 20232 min read


US Instant Payments challenges not so different from those in EU
Last Tuesday I listened to Finextra webinar on “Instant Payments connectivity on the Cloud”, and found a lot of similarities to what...

Marcia Klingensmith
Apr 11, 20233 min read


Real-Time Payments Consumer Use Cases
Overview of trends driving the need for real-time payments and common use cases where real-time payments is used today.

Marcia Klingensmith
Jan 24, 20234 min read


What is Instant Payments (is it the same as real-time payments?)
A brief overview of Real-time payments, faster payments, and instant payments. Also discusses the key network rails TCH and the Fed.

Marcia Klingensmith
Jan 16, 20233 min read


Instant Payments: A 5-part series
Introduction to a 5 part series on real-time payments and instant payments.

Marcia Klingensmith
Jan 16, 20231 min read


MK FinTech Consultant predictions for 2023
As 2022 rolls to a close, we turn our eyes to the New Year and try to prepare for 2023. Based on my experiences and observations, these...

Marcia Klingensmith
Dec 26, 20226 min read


Open Banking vs Banking-as-a-Service
If you aren't too close to this space, you may have a little confusion about what the difference is between Open Banking and...

Marcia Klingensmith
Feb 2, 20223 min read


Increasing sales revenue through management of Cross-Border Payments in age of Covid
During covid we've seen an explosive growth B2B and B2C business. Organizations that may have done the bulk of their business face to...

Marcia Klingensmith
Aug 18, 20213 min read


Behavioral Biometrics – A Fingerprint for the Future
Data breaches have been increasing exponentially every year. In the first half of 2018, there were 4.5B consumer records exposed as a...

Marcia Klingensmith
Jun 17, 20214 min read


Strategies for Solving any Problem
In this crazy world of Covid, many of us spend more time at our desks, heads down, overwhelmed by work, with few excuses to take breaks. ...

Marcia Klingensmith
Mar 17, 20214 min read


The journey to passwordless - the person behind the device
2023? 2025? Later? When will we go passwordless? We've been saying "within the next five years" for more than five years now. Our...

Marcia Klingensmith
Feb 18, 20214 min read


Decentralized IDs - 8 areas of concern
Decentralized Identity is the concept that a user should be able to own their personal details ...what could go wrong?

Marcia Klingensmith
Dec 18, 20204 min read


How lessons from the pandemic is building resilience in 2021 and beyond
Much is still uncertain as we enter 2021, but resilience is key - the ability to change when something unexpected happens. To build "slack"

Marcia Klingensmith
Dec 8, 20203 min read


Detecting and combatting Synthetic Identity Fraud
If you deal with financial transactions, you are probably saying to yourself - what is synthetic fraud, how can I detect it...and prevent it

Marcia Klingensmith
Dec 27, 20197 min read


5 Questions to ask about GDPR and Protecting Customer Information in the Digital Age
There were 135 data breaches in 2018, with 126% more customer Personally Identifiable Information (PII) data exposed than in 2017, that’s

Marcia Klingensmith
Jun 25, 20194 min read


Friend or Foe? Universal currency may be a lot closer than you think!
Friend or foe? Plans for launch of global digital currency Libra, could disrupt payment ecosystem, but enable benefit millions of unbanked.

Marcia Klingensmith
Jun 20, 20195 min read


Touch Points on Contactless Payments
Contactless methods of payments, such as mobile wallets and tap and pay cards are growing in popularity due to their convenience and...

Marcia Klingensmith
Apr 21, 20194 min read
instant payments, payments risk, payments governance, payments modernization
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