john dunne

Migrating to the Cloud - 5 Steps to Take

BroadSoft's recent research predicted cloud UC market penetration would jump from 7% percent today to 41% by 2020 of the overall UC space. 

Communications Blog

Enterprise Connect 2016 - Mean Time to Ownership [vlog]

Enterprise Connect - Mean Time to Ownership

Communications Blog

Could the digital card save your wallet?

Hands up anyone whose wallet or purse, is straining to contain the ever increasing number of cards we struggle to carry around? For all the advances in FinTech, we are still left with a multitude of cards to carry. Well, strain no longer, because digital cards are seeking to solve this problem by consolidating all your credit cards into a single physical card.

Payments Blog

Minimizing Fraud with Real-time Payments

As payments processing continues to move toward real-time settlement, what does this mean for fraud prevention? Do the smaller approval windows mean the attack surface for fraudsters grows? And how can processors tackle this challenge? We discuss this, and more, in the latest FinTech Podcast with John Dunne.

Payments Blog

Amazon steps up in the battle for online payments

Amazon is stepping up in the battle for your digital wallet. In this post to the FinTech podcast, John Dunne shares his thoughts on what this means to the consumer, the market and other players.

Payments Blog

How real-time payment technology is delivering better customer experience

Peer to peer payments may be new to some people, but it's a payment option that has a bright future. John Dunne, Vice President of Products with IR joins us to talk about it in this post to the FinTech podcast.

Transcript

Scott: Peer to peer payments may be new to some people, but it's a payment option that has a bright future. John Dunne, Vice President of Products with IR joins us to talk about it. John, what's the current status of peer to...

Payments Blog

Turn payments data into customer delight [podcast]

As payment options and big data explode, how can this be used to deliver a better customer experience? In this latest FinTech Podcast, John Dunne discusses how one IR customer used this data to offer a differentiated service to delight their customers.

Payments Blog

The State of Electronic and Mobile Payments

As the payments market evolves, we continue to see momentum with electronic and mobile payments, although the growth in this area is beginning to slow somewhat. While we look at these trends it's important to understand how they're impacted by different geographies with different regulatory requirements and economic conditions.

Payments Blog

Preventing Fraud with Real-Time Payments

The risk of fraud increases as real-time payments gain widespread adoption. Once you move over to a real-time model, there's typically only a six-second window to decide if a transaction will be authorized. Since there's such a short amount of time to come to a decision, fraud rules can't be overly complex. There's a prime opportunity for us to find new ways to streamline fraud analytics and make them more efficient.

Payments Blog

Need for Speed: Real-Time Peer to Peer Payments

Peer-to-peer payments is one of the key elements of next generation payment platforms. There's a huge pent up demand for the ability to make...

Payments Blog

Delivering a Great Payments Experience [podcast]

Ever dined out and wanted to split the check, only to be told 'no split bills'? The service may have been great, the food exceptional and yet with this lack of flexibility when it comes to settling the bill, you are left with a bad taste in your mouth. In this podcast we discuss the ability for payments processors to be able to delight the customer while making life easier for all concerned, including the restaurateur or retailer.

Payments Blog

Death of the Credit Card Number

I remember when I got my first credit card. It had raised numbers that were meant to be used with a little machine called a manual credit card imprinter. To use the machine, merchants would place the customer's card underneath a piece of carbon paper. A manual slider would then make a click-clack noise as it pressed the raised credit card number into the paper. I haven't seen one of those machines in a long time. They're mostly used as backups...

Payments Blog

Apple Pay: where to from here?

Apple Pay went off to a roaring start almost 18-months ago. In the first 72 hours there were more than a million cards activated with Apple Pay in the US. That's a huge uptake from a card enablement scheme. At that point they became the largest initiative launched in the US so far. Apple Pay has been on quite a journey since then. Not only can you use it for physical in-store purchases, but you can also use it to make purchases online. You now...

Payments Blog

Amazon Payments: The Now Big Thing

Amazon Payments is a great example of how dynamic the payments market can be. Amazon began its life as an online bookstore with one-click buying capabilities. They quickly expanded upon their selection of products and eventually decided to make their infrastructure available to others. One key offering they've created over the years is a fully featured payment platform. The platform is a convenient way for anyone with an online store to use...

Payments Blog

The Dark Side to Innovation [podcast]

FinTech is all about innovation, but does innovation have a dark side? In this FinTech Podcast John Dunne, IR Chief Solutions Officer, shares his thoughts on how innovation is also leading to an increased payments attack surface, opening up new fraud opportunities.

Payments Blog

The Battle for your Virtual Wallet

PayPal, Apple Pay, and Google Wallet are three behemoths vying to be the service you choose as your virtual wallet. What are the differences between each service, and which one is the most promising? Let's take a look.

Payments Blog

Simplifying Multi-Party Transactions

Purchasing a new car should be a great experience. You get that shiny new car feel and wonderful new car smell. Years of trouble-free motoring, with the latest safety features to protect you and, if you're at that stage of life, your family. It should be a fantastic day when you take that new car off the lot, so why is it such a headache to pull the transaction together to make it happen? And how can advancements in payments technology be...

Payments Blog

Payments Innovation and the Increasing Attack Surface [podcast]

It seems almost every other day there is a new innovation in payments, but do these innovations always lead to a great outcome? Sure, they may offer great flexibility to the end user, but in many instances it can open up a whole new 'attack surface' for the fraudsters. In this post to the IR-Podcast, John Dunne, Chief Solutions Officer at IR discusses the dark side of innovation and the potential threats to be aware of.

Payments Blog

Managing Multi-party Transactions in a Complex Payments Ecosystem

John Dunne, IR Chief Solutions Office, discussed the emergence of multi-party transactions as consumers and processors demand a better experience. As payment technologies continue to evolve, how will multi-party payment processing change to provide a better experience?

Payments Blog

It's my money and I'll spend how I want to

Before the 'customer experience' revolution, there existed the simple notion of 'customer service'. The cornerstone of good, old fashioned customer service was the time honored belief - 'the customer is always right'. There is no better example of the customer being right than when they want to spend their money in a way that is convenient to them. Convenience for the customer does not always translate over to convenience for retailers,...

Payments Blog

How the Virtual Card Could Eradicate Fraud [podcast]

As long as the credit card has existed, fraud has been a challenge, often as a result of having credit card numbers copied. More recently, the security code was introduced to try and reduce this, but what if virtual card technology could remove the requirements for numbers all together? In this Blogcast, John Dunne, Chief Solutions Officer, shares his thoughts on how the virtual credit card could offer a better user experience all while helping...

Payments Blog

Apple Pay and the Changing Payments Landscape [podcast]

Apple Pay has made a significant impact on the payments landscape - offering unparalleled flexibility in how people manage their payments. In this installment from the IR-Podcast, John Dunne, VP of Products, shares his thoughts on how Apple Pay is empowering consumers to embrace technology, like EMV, their everyday card won't allow and what this means for security and the digital wallet.

Payments Blog

Apple Pay and the Benefits of Being Second

Apple Pay wasn't the first digital payment platform in the market, nor was Apple the first to introduce NFC capability to their handsets. But then, they didn't develop the first MP3 player either and we all know how that played out.

Payments Blog

Will we see the death of credit card numbers? [podcast]

Since their inception, credit cards have relied on the unique identified number to process payments. Over time - as fraud increased and with the advent of online shopping - more security measures have been introduced like the CSC and use of the expiry date. But, with tokenization and the introduction of newer payment technology, could we remove card numbers all together?

Payments Blog

The Second Mouse Gets the Cheese

When it comes to being first to market, my favorite saying is, "Sometimes the second mouse gets the cheese." I think Samsung put an NFC chip in an Android phone around two years before Apple Pay launched. Even so, you've probably never seen as much publicity, buzz, or even that many people out there using it. If you're going to try to be first to market with an innovation, you've really got to think it through from end to end.

Payments Blog

The Delicate Balance of Safe Innovation

The challenge with the one-in-a-hundred gamble of increasing your margins begins with the need to innovate in order to stay ahead of the competition and grow your market share. In an established market, it becomes a game of percentage points. Each percentage point can be worth millions or even billions of dollars.

Payments Blog

The Dark Side of Innovation

It seems as if new payment innovations are unveiled almost every day. There is a rapid rate of change happening, which can at times be difficult to keep up with. Apple Pay, Google Wallet, EMV, NFC – the list, and acronyms, goes on. There is, however, a dark side to these innovations - the people who are always looking for ways to defraud others and steal their money. Every time a company creates new products and payment methods, there are people...

Payments Blog

On The Frontline of Mobile Payments

Mobile payments is the front-line for the battle of the brands. If we were looking at the biggest players a few years ago, we'd be talking about brands like Visa, MasterCard or American Express. The first companies that jump into mind today are Apple or Google. Microsoft proved long ago that whoever owned the desktop would own the entire ecosystem. Now, whoever owns the mobile device platform is going to be in control of payments of the future.

Payments Blog

Innovating Safely: Staying Ahead of the Competition (and Fraudsters)

John Dunne, Chief Solutions Officer at IR shares his thoughts on the fine line of innovating safely. FinTech is all about innovation, but how can your organization innovate without opening the doors to fraudsters?

Payments Blog

Increasing Satisfaction with Multi-Party Transactions

Let's say you and a group of your friends have decided to go to tonight's concert and you've found a great deal online. What does the payment process look like for everyone? This is one of those classic situations where multiple consumers need to make a single transaction with the vendor. There's definitely room for improvement here, and in my recent experiences, we're starting to see some of those improvements come to fruition.

Payments Blog

Goodbye to the Credit Card

The entire concept of having a card in your pocket that you use to spend money is rapidly becoming obsolete. It just doesn't make much sense anymore to own a dedicated piece of plastic with an embedded chip or mag strip. We're already capable of making online purchases without using a physical card. Making in-person purchases from a mobile device we already carry with us is where things are headed.

Payments Blog

EMV in the USA - Part 2

In part one of this blog, I talked about how banks have been slow to issue cards with chips in them. They don't hold all the blame when it comes to the astonishingly slow EMV rollout, however. Merchants themselves are also well behind the 8-ball in terms of upgrading their infrastructure. In fact, figures show that only about 27% of point of sale terminals are equipped to handle EMV transactions.

Payments Blog

EMV in the USA - Part 1

Even though EMV payments are commonplace in other parts of the world, adoption in the US is severely lagging. Payment processors have been required to support EMV transactions since April 2013. That means that we've had the ability to process chip & signature transactions in the US for two-and-a-half years now. That should have been enough time for merchants to meet the key deadline of October 1, 2015 for EMV's rollout. As of that date, any...

Payments Blog

Deliver VIP Customer Experience in Real-time

In a competitive market, the winning edge can often come from finding a unique way to deliver a truly VIP customer experience.

Payments Blog

An Apple a Day Keeps the Fraudsters Away

I was in Sydney, Australia, the day that Apple Pay launched. Early that morning, I stopped by a convenience store for breakfast on the way to the office. However, because Australia has adopted the chip and pin system, many terminals no longer support older mag strip cards - like my Chase credit card.

Payments Blog

Clash of the Titans: Apple Pay vs PayPal vs Google (Android)

Check out the latest from the FinTech podcast.

Payments Blog