IPA Payments Pod

In this episode Dr. Billy Hensley, the president and CEO of the National Endowment for Financial Education, discusses NEFE’s Personal Finance Ecosystem, which is a framework to show the different factors that affect a person’s financial well-being. 

You can find the ecosystem here: https://www.nefe.org/ecosystem. 

We discuss how the ecosystem can inform the efforts of financial companies, nonprofits, and policymakers who want to improve peoples’ financial situations. We also talk about why financial education alone cannot fix an individual’s financial problems.  

This podcast was recorded on February 15, 2024. Things may have changed by the time you hear it.  

In this episode Brian Tate, the IPA’s CEO, discusses the regulatory, legislative, and court actions that will shape payments in 2024. 

He discusses outstanding proposed rules on overdraft and interchange, proposed state laws on earned wage access, and court cases against the Consumer Financial Protection Bureau.  

This podcast was recorded on February 12, 2024. Things may have changed by the time you hear it.  

In this episode Sarah Craven, the product manager for transaction laundering detection products at G2 Risk Solutions, discusses how companies selling illegal or unsavory goods hide e-commerce transactions.  

We discuss how bad actors use various ruses to disguise what they are really selling, how transaction laundering threats have evolved, and why it pays to trust your gut. 

This podcast was recorded on January 18, 2024. Things may have changed by the time you hear it.  

In this episode of the IPA’s monthly government update podcast, the IPA’s CEO Brian Tate, and its COO, Ben Jackon, discuss the current state of regulation and what is coming in 2024.  

They talk about how payments companies should plan in light of the regulatory proposals from 2023 that are still active. They cover on-going court cases that could shape the industry. They also discuss how the election might affect the regulators’ plans for the rest of the year. 

This podcast was recorded on January 11, 2024. Things may have changed by the time you hear it.  

In this episode of the IPA book club, the IPA’s CEO Brian Tate, and its COO, Ben Jackon, discuss Malcolm Gladwell’s Outliers.  

The book explores how being successful can depend on context, and how success is not always just a matter of hard work or having the best idea or strategy. We look at what the factors for success are and what lessons the book has for business innovation. 

This podcast was recorded on December 11, 2023. Things may have changed by the time you hear it.  

Helping low- and moderate-income people build wealth is a long-term process, and Systems and Methods Inc., or SMI as they are known, has a plan to do that. 

In this episode, Bo Stone, the chief strategy officer of SMI, and Wesley Stone, SMI’s director of government affairs discuss the company’s decade to decade approach to growth and how its products are evolving to open up new opportunities for SMI and its customers. 

This podcast was recorded on December 12, 2023. Things may have changed by the time you hear it.  

Over the past few weeks, regulators have released a variety of regulations that could reshape the payments industry and have plans for more in the new year.  

In this episode, Brian Tate, the IPA’s CEO, discusses proposed rules on interchange, open banking, and big tech companies. We also talk about what may be coming in 2024. 

This podcast was recorded on December 14, 2023. Things may have changed by the time you hear it.  

Gift cards are expected to make up a larger part of holiday shopping budgets, according to new research from Blackhawk Network. In this episode, Jay Jaffin, chief marketing officer at Blackhawk, discusses the expected growth in gift card purchases, why cards benefit merchants and shoppers, and how banks and other companies can make use of the trend.  

This podcast was recorded on November 6, 2023. Things may have changed by the time you hear it.  

In this episode, Brian Tate, the IPA’s CEO, and COO Ben Jackson discuss the latest proposed regulations that care coming out of Washington. They cover the Fed’s proposal to reduce the cap on debit interchange for issuers with more than $10 billion in assets. They cover the CFPB’s proposed open banking rules, and look at a proposal to regulate earned wage access in California.  

This podcast was recorded on November 9, 2023. Things may have changed by the time you hear it.  

In this episode, the IPA talks with Heather McElrath, the founder of Sandbox Communications, about corporate giving. We cover when and how companies should give money and other support to charitable causes, what the benefits and drawbacks are, and how companies should communicate about their giving.  

You can learn more and contact Sandbox Communications here: https://www.sandboxcomm.com/ 

This podcast was recorded on November 3, 2023. Things may have changed by the time you hear it.  

In this episode, Brian Tate, The IPA’s CEO, and Chris Stromberg, the director of government relations, discuss both federal and state bills that could shape the payments industry. 

They discuss a potential bill on earned wage access, legislation on how banks can work with cannabis businesses, and a bill in California to ban plastic gift cards. 

This podcast was recorded on October 12, 2023. Things may have changed by the time you hear it.   

Criminals don’t respect borders, so their crimes and the money they make often move internationally.  

Whether it is human trafficking, antiquities smuggling, or just plain fraud, when crime crosses boarders, the Department of Homeland Security gets involved.  

In this episode, Raul Aguilar, Deputy Assistant Director for the Financial and Fraud division for Homeland Security Investigations describes what his agency does. HIS is the principal investigative arm of the U.S. Department of Homeland Security and is responsible for investigating transnational crimes and threats. It falls under the director of U.S. Immigration and Customs Enforcement and was created in 2003 when U.S. Customs and the Immigration and Naturalization Service merged.  

In the podcast, Deputy Assistant Director Aguilar referred to operation Cornerstone. Links to its LinkedIn page and Web page are below: 

HSI Cornerstone: Overview | LinkedIn 

U.S. Immigration and Customs Enforcement (ICE) - Welcome! (govdelivery.com) 

Information on the guide to organized retail crime can be found at these links: 

HSI, ACAMS take aim at organized retail crime | ICE 

Organized Theft Groups and Organized Retail Crime | ACAMS 

This podcast was recorded on October 4, 2023. Things may have changed by the time you hear it.   

As summer winds down Earned Wage Access products are in the spotlight at multiple levels of the government.  

In this episode, Brian Tate, the IPA’s CEO, and Chris Stromberg, our director of Government Relations, discuss what is happening in the world of EWA regulation at the state and Federal level and how the IPA is trying to inform the conversation. They also talk about the CFPB’s recent report on mobile payments, and the possibility of a government shutdown.  

You can find the earned wage access page mentioned in the show here: Home | Earned Wage Access 

You can see the IPA’s past advocacy on the topic here: Innovative Payments Association | EWA - Innovative Payments Association (ipa.org) 

This podcast was recorded on September 7, 2023. Things may have changed by the time you hear it.  

Is business just another form of war? 

In this episode the IPA book club returns with a look at the intersection of business and military strategy. We read the ancient classic “The Art of War,” by Sun Tzu, and to put it in a business context, we also discuss the Oliver Stone film “Wall Street.”  

In this episode, Brian Tate, the IPA’s CEO, and Ben Jackson, the IPA’s COO discuss both the book and the movie and what they say about modern business.  

This podcast was recorded on July 24, 2023. Things may have changed by the time you hear it.  

Canada might seem like an easy first step into international expansion for U.S. companies, but they should not fall into the trap of thinking it is the 51st state.  

In this episode, Ron Morrow, executive director of Supervision at the Bank of Canada, discusses the regulatory requirements around offering payments services there.  

We discuss the role of the Bank of Canada, how regulations are written there, and the upcoming regulatory changes under the Retail Payment Activities Act.  

This podcast was recorded on July 25, 2023. Things may have changed by the time you hear it.