“Customer insult” is on the rise, and it has big costs.

How can merchants catch more fraud while stemming the growth in false positives?

Jun 24 • Ryan Healy

May 2026

Agentic Payments Fraud is Highly Asymmetric and Favors the Bad Guys in Basically Every Way

In a game of ever-bigger walls vs ever-bigger ladders, every single aspect of agentic AI currently favors the ladders. That’s going to have serious…

May 29 • Ryan Healy

March 2026

Payments IQ: Merchant Underwriting in an Age of Bad Agents

Agents are changing the way fraud impacts the payments space at an alarming rate, and underwriting needs to be ready to adapt quickly.

Mar 25 • Ryan Healy

Reflections on my reading: Stripe’s vision of the five levels of agentic commerce

Stripe’s 2025 annual letter from its co-founders included a new five-level model for agentic AI that isn’t very agentic and should probably only be two…

Mar 22 • Ryan Healy

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August 2025

Why Money Moves Across Borders – Part 1: B2B and B2C

Business-initiated payments represent by far the biggest cross-border payments opportunity.

Aug 7, 2025 • Ryan Healy

July 2025

Payments IQ: Cross-Border Payments in 2025 and Beyond

In a shrinking world where international commerce is the norm and work is borderless, the importance of cross-border payments is increasing rapidly.

Jul 23, 2025 • Ryan Healy

The Pain Points of Cross-Border Payments: Four Key Problems Next-Gen Providers Need to Solve

Download the free 40-page report Payments IQ: Cross-Border Payments in 2025 and Beyond.

Jul 23, 2025 • Ryan Healy

A Primer on Network Tokens – More Secure, More Trusted, Catching on Fast and Easy to Sell

Executive Summary:

Jul 22, 2025 • Ryan Healy