Questions

In online payments, what does tokenization mean?

What is 3D Secure, how does it protect transactions, can it increase checkout drop-offs, and are there alternatives?

What advantages does Stellar offer compared with Ripple?

How common is it today for employees to receive salaries paid in Bitcoin?

What are some potential disruptions that could significantly change credit card usage?

What is your opinion of the BitLicense regulations proposed by Ben Lawsky?

If a bank claims to be building a more customer-centric culture, what should customers actually experience?

What is the current state of banking regulation across African countries?

Will virtual currencies eventually replace physical cash?

Do P2P remittance firms like TransferWise require large amounts of capital to sustain their very low pricing?

How many Asian countries use real-time gross settlement systems similar to India’s Aadhaar-enabled payment system?

Do large international companies move money globally using the same banks and tools like PayPal that individuals use?

What value does a global acquiring bank bring to merchants and payment businesses?

Which startups are currently active in the money transfer and remittance space?

Why do electronic payments get authorized in seconds but take 2–3 days for clearing and settlement?

What wireless or hardware solutions exist for international money transfer agents, and are there Stripe-like platforms for payments?

Why do US banks typically charge around $30 for sending a wire and $12 for receiving one between businesses?

Is it possible to open a US bank account remotely while living outside the United States?

Which payment gateways are available in Pakistan?

What are the steps involved in setting up a remittance or money transfer business?

How can someone launch a prepaid debit or credit card program with a bank without being a resident of that country?

What exactly are ACH fees and who charges them?

What do customers typically expect from an online payment gateway?

What is the most efficient way to pay Elance freelancers from Pakistan if I don’t have PayPal or a credit card?

Can non-US citizens open bank accounts in the United States, and which banks are generally more foreigner-friendly?

Is it legally necessary to be a bank to move money, or can individuals or companies transact money if they build their own system?

How common is coordination or cooperation between central banks across different countries?

Is it possible to transfer foreign currency between two local bank accounts in another country, and if so how, or why not?

How can we build a proof of concept for an agent-banking solution?

What is the best way to receive money anonymously?

I’ve designed a card that could replace credit and debit cards—how can I bring it to market?

Why do payments like Chase QuickPay show a “pending” status?

Do you need to link a credit card to Bitcoin in order to use it for payments?

Do Bitcoin exchanges sell or share user data?

Which financial API should be used to build a free or near-free bank ACH transfer app similar to Venmo or Square Cash?

What are the implications of providing personal information to Xoom when sending over $10,000 within six months?

Why does the U.S. have so many banks compared to many Asian countries dominated by a few large banks?

In Europe, what is the best way to regulate Bitcoin under financial law—fit it into existing frameworks or create dedicated regulation?

What is Bitcoin, how does it function, is it legal, and who created it?

Do direct banks such as Ally Bank follow the same regulatory requirements as traditional banks?

How are savings handled by Automated Savings apps like Digit insured by the FDIC?

If we build a ticketing platform like Eventbrite that rewards users for sharing sales, do we need an MSB license?

If I beta-launch a marketplace that holds funds in escrow or for 24–48 hours, would I need a money-transmitter license?

What types of companies and business models are built around Bitcoin?

With BitPay, are bitcoins collected from customers deposited into a business bank account via ACH?

If global GDP is around $71.83 trillion but derivatives total about $350 trillion, why is the derivatives market so much larger than the real economy?

Mobile payments have launched in Pakistan, but I rarely see merchants using them—how do these systems work and who is accepting them?

Given the huge compliance fines banks have paid, how can they reduce human error—perhaps with checklists—to avoid such failures?

How does an online money transfer actually work from a technical and process standpoint?

How can mobile wallets save consumers about 1% on every purchase compared to card payments while improving the shopping experience?

What steps can the RBI take to strengthen the Indian rupee?

What is the most efficient way to send money from the UAE to India?

How will PayPal’s acquisition of Xoom influence the remittances market?

What is the best option for a website that needs to receive low-volume but high-value ACH payments?

Is there an off-the-shelf EMV (chip-and-PIN) Bluetooth card reader I can buy to build my own iOS payment solution?

In a world of smart tech, Faster Payments (UK), ACH, and EPN (US), why can’t bank accounts show truly real-time balances based on all posted transactions?

How can I start and operate an acquiring bank?

How does PayPal Here compare to Square?

Will Facebook eventually introduce its own person-to-person money-transfer feature?

Are Bitcoins likely to become the future of currency?

What will money look like 35 years from now?

What is the difference between a SWIFT transfer and a wire transfer?

Can MCB Lite or UBL Wiz cards be used for purchases on AliExpress in Pakistan?

Which technology companies around the world are building tools to help customers switch their primary bank?

What is the best way to start an online business?

What are the top five consumer problems that mobile POS systems help solve?

What are the strongest arguments for and against treating Coinbase as a true exchange?

Which mobile payments startups map phone numbers to underlying Visa card numbers or IBANs?

Can you walk through the full credit-card payment flow from the payment terminal and swipe to the issuing bank returning an authorization code?

What monthly income would I need to comfortably buy a $5 coffee daily in the U.S.?

Since many people have debit cards but not credit cards, is there or could there be a debit-based online payment option in Pakistan?

Which bank in Pakistan is the best option for opening a personal account?

Is online credit-card shopping in Pakistan truly risky, or is the fear mainly due to perception and lack of awareness?

How do employers pay freelance writers located in other countries?

Where are national bank accounts actually held?

For global B2C transfers, what banking details are needed to send winnings from a European gaming bank to users in 190+ countries?

Which payment gateways are best in the Middle East, and is a local company required for approval?

What is the next major fintech disruption expected in the payments industry?

How can I track an international wire transfer if I am not a bank employee but have the SWIFT copy?

Which APIs exist for transferring funds between accounts?

What is the best international address verification service?

What revenue layers exist between a U.S. institution holding an MSB license and the end customer?

Where can I find information about Greece’s anti–money laundering laws related to money-transfer services?

Why does Dwolla require users to provide a Social Security Number?

How can someone start a business that provides payment processing like Stripe, WePay, or Square?

Does Xoom provide next-day credit for transfers to India?

What are common compliance-related reasons banks reject wire transfers?

What does a domestic wire transfer actually cost a bank to execute behind the scenes?

Would Cuba’s economy improve significantly if the U.S. embargo were lifted?

If the SWIFT code is entered incorrectly, how long does it usually take for an international wire to bounce back?

How would you convince a government to accept Bitcoin and recognize it as a legal commodity?

Many Wall Street figures face pending cases for fraud or money laundering but remain free—is this due to their power, and would jailing them do more harm than good?

What advantages does using Bitcoin provide compared with holding funds in a Swiss bank account?

How do countries repay debts worth millions, and is the money moved electronically or physically?

Are there infographic-style “periodic tables” that explain money concepts?

Why do extremely poor countries often remain extremely poor despite continuous foreign aid and support?

Online Payments: Why isn’t Adyen more widely known in Silicon Valley?

Will Facebook be able to significantly disrupt the online payments industry?

I want to build a payment gateway in a developing country—what software options are available?

How much do bank exchange rates deviate from mid-market rates like those shown on XE.com?