Glenbrook assisted the development of an interoperable, cross-border retail payments scheme across 16 countries. Read more: https://lnkd.in/gNjpxQ4k #payments #regulation #crossborderpayments #globalpayments
About us
Glenbrook Partners is a dedicated strategy consulting and advisory firm offering deep insights into how the payments industry is evolving and how advantages can be gleaned from this changing environment. We focus on strategic analysis, research and intelligence, and industry education to drive value creation and high-margin growth for clients. We are an ideal partner for any organization evaluating its next step in payments, refreshing corporate or department strategies, or solving a tough payments challenge. We work with operators of payments systems, businesses that use payments systems, and companies providing technology and services to the payments industry. We serve clients across the globe and are well versed in contemporary issues in payments infrastructure in both developed and developing markets. Our clients are professionals at all levels of experience and expertise, from product, operations, and treasury managers to marketers, customer experience leaders, and executives across the payments spectrum. For payments strategy consulting, custom research, or training that is comprehensive, trusted, and synergistic, look no further. Glenbrook can help guide your payments strategy, provide critical research to direct important decisions, and inform and educate your organization. Contact us at [email protected] PAYMENTS NEWS: Glenbrook's free daily curated news feed, paymentsnews.com PAYMENTS VIEWS: Glenbrook's commentary and opinion blog, paymentsviews.com PAYMENTS ON FIRE®: Glenbrook's podcast series featuring expert dialogue on payments industry issues and ideas, paymentsonfire.com PAYMENTS NOTES: Glenbrook's monthly email bulletin keeping you abreast of what's happening at Glenbrook, glenbrook.com/stayconnected GLENBROOK'S BOOK: Payments Systems in the U.S. - Third Edition, available on Amazon at https://www.amazon.com/Payments-Systems-U-S-Third-Professional/dp/0982789742/
- Website
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http://www.glenbrook.com
External link for Glenbrook Partners
- Industry
- Financial Services
- Company size
- 11-50 employees
- Headquarters
- United States
- Type
- Privately Held
- Founded
- 2001
- Specialties
- Payments Strategy Consulting, Mobile Payments and mPOS, Payments Education, Merchant Payments Optimization, Payments Consultants, Global Payments, Cross-Border Payments, Math-Based Currencies, Global ACH, Credit/Debit Cards, PaymentsNews.com, PaymentsViews.com, Financial Inclusion, Processing RFPs, Faster Payments, EMV, Contactless, QR Codes, Omni-Channel Processing, Go-to-Market Strategies, Emerging Trends - AI, IoT and The Blockchain, Digital Currencies, Strategic Consulting, Payment Rules and Regulations, and Payments Risk Management
Locations
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Primary
Get directions
United States, US
Employees at Glenbrook Partners
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Bryan Derman
Managing Partner at Glenbrook Partners
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Russ Jones
Payments Consultant, Analyst, Co-Author "Payments Systems in the U.S."
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Elizabeth McQuerry
Partner at Glenbrook Partners
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Christopher Uriarte
Partner at Glenbrook | FinTech & Payments Nerd | Former C-Level Exec at Four Public Companies | Experienced Consultant, Executive & Investor
Updates
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If you've been following along, you know that "The Future of Buy Now, Pay Later" is one of the topics on our 2024 watch list. In a new post, Glenbrook's Christopher Uriarte provides his observations on recent reports from the BNPL space. #payments #bnpl #buynowpaylater
Partner at Glenbrook | FinTech & Payments Nerd | Former C-Level Exec at Four Public Companies | Experienced Consultant, Executive & Investor
A lot of noise was made last week when JPMorganChase announced that their credit cards will no longer be allowed to fund BNPL payments. But it highlights a few issues: (1) This isn’t new among card issuers, and (2) Issuers want to be in the driver’s seat when it comes to BNPL loans - and consumers seem to be OK with this! First, it should be noted that this is not an unheard-of policy. In the US and Australia, Capital One has slowly turned off cardholders’ ability to use credit products to fund so-called “pay over time” loans, regardless of their shape. It should also be noted that some BNPL providers also do not allow credit cards to be used, with some allowing them for initial down payments, and others banning them altogether. Affirm, for example, allows the limited use of credit cards in some instances but typically requires payments via a debit card or direct debit from a bank account. However, traditional card issuers and wallet providers are familiar with the BNPL product space and see it as an opportunity to compete with standalone providers. The likes of American Express, JPMorganChase, Citi, and PayPal have made great strides in offering “behind the scenes” BNPL financing to their customers - pay over time options with little or no fees which are usually transparent to the merchant accepting the payment at checkout. In the case of PayPal, BNPL offers are made seamlessly within the PayPal redirected checkout flow, while traditional card issuers empower their customers to choose financing options through their online banking presence. Issuer-provided options often come with the additional benefit of providing rewards to customers, as they would with any typical card purchase. But what do consumers have to say about these issuer-led BNPL options? Not only do they see these as favorable options, but consumer satisfaction ranks higher for issuer-provided BNPL products when compared to standalone options offered by the likes of Klarna, Afterpay and Affirm. A recent study by the well-respected J.D. Power demonstrated this. It highlighted the flexibility to use these options at any retailer, ease of management, and low fees. (See graphic below) As I’ve previously discussed regarding Apple Pay Later, which has recently been pulled from the shelves in favor of support for third-party providers embedded in the Apple Pay checkout flow, these scenarios are interesting because the ultimate payment mechanism is hidden from the merchant. The merchant only decides to support Apple Pay. Or PayPal. Or American Express. But they have no way of knowing whether the consumer has chosen the path of a “behind the scenes” BNPL offer to ultimately fund the transaction. But if it helps conversion, do merchants really care? We’ll continue to hear much about BNPL before the year ends. Regulation, growth, and Klarna's big pending IPO will all be hot topics. #payments #bnpl
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Less than 2 weeks until our next Payments Boot Camp Intensive workshop - register today! https://lnkd.in/gQ5QmYju
Need a high-level, concise overview of the payments industry? Glenbrook's 4-hour Payments Boot Camp Intensive workshop gets you up to speed on the latest payments trends, key concepts, and what they mean in today’s market. 📆 Upcoming Sessions: Tuesday, July 30 - https://lnkd.in/gQ5QmYju Wednesday, November 6 - https://lnkd.in/gntSwuah #payments #paymentsindustry #paymentseducation
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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?” are the questions that are both increasingly critical and elusive to answer. In this episode with Ori Eisen, CEO and Founder of Trusona, we reflect on what the payments industry has gotten right, the current challenges, and the future of authentication and identity. And, to pay attention to the here and now, we asked Ori to share his best practice tips for implementing passkeys. 🎧 Listen here: https://lnkd.in/gT6Hc83A #passkeys #fraud #riskmanagement #authentication #identity #digitalpayments #GenAI #passwordless #payments
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>>> to see how Glenbrook helped a central bank in an African country better understand regulatory approaches to fraud risk management. Glenbrook partners with organizations to develop policy and regulatory guidelines, or to understand what those guidelines mean for you as a provider. Learn more: https://lnkd.in/giZFmtMH #payments #regulation #policy #fraud #riskmanagement #centralbanks
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Over the last decade, the digital financial services ecosystem has transformed. Policies and regulations have also adapted. What does this mean for you? We've put together this playlist of episodes from our Payments on Fire podcast library to help keep you up to speed on regulatory activity and trends: 🛥 Steering the Fintech through Regulatory Waters - Cameron Peake, Restive Ventures 🎧 Listen here: https://lnkd.in/gSVbMqN9 💵 Understanding US Payment Regulation with Jennifer Aguilar, APRP, Alston & Bird 🎧 Listen here: https://lnkd.in/gqKMCC8s 🔒 Data Security and Privacy with Michael T. Borgia, Davis Wright Tremaine LLP 🎧 Listen here: https://lnkd.in/gTuwSBs9 #payments #regulation #regulatory #policy
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The policy and regulatory landscape is responding to the rapidly changing payments landscape. Digital currencies, fast payments, buy now pay later, open banking. What do these mean for your organization? For your market? Glenbrook can help you develop your policy and regulatory guidelines, or understand what those guidelines mean for you as a provider. Learn more: https://lnkd.in/giZFmtMH #payments #regulation #policy
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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. In this 2015 “from the vault” episode of Payments on Fire, listen as Philip Andreae converses with George Peabody about the FIDO Alliance and its mission to bolster and streamline authentication. We’re setting the stage for a series of discussions on authentication and identity, the critical components of tackling this pervasive issue. We’re embarking on a journey of perspective gathering from some of the industry’s leaders in risk management, authentication, and digital identity As you listen to this episode, consider the progress made since 2015 — have we come far enough, fast enough? 🎧 Listen here: https://lnkd.in/gFCRvbui #passwords #passkeys #ATO #FIDO #authentication #identity #digitalidentity #authorization
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The regulatory evolution was a major theme in our first Payments on Fire episode the year, "What Glenbrook is Watching in Payments in 2024". From the CCCA to CFPB and DOJ domestically and PSD3 beyond - how will the landscape evolve? Catch up on some reading over the holiday weekend with two of our Payments Views posts: 🔻 2nd “Year of the Regulator" | Justin Pituch 🔻 https://lnkd.in/ghrDFC5X 🔻 PSD3: Implications for the U.S. | Simon Skinner 🔻 https://lnkd.in/gpHFNJBm #payments #regulator #regulation #PSD3 #CCCA #CFPB
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Drew Edmond observes why marketplaces and platforms often come to Glenbrook for guidance with their payments strategy - through assessments, research, advisory engagements, and education. Learn more about how we can help: https://lnkd.in/guJRb5Hm #payments #marketplaces #platforms #ecommerce #paymentsacceptance #riskmanagement
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