The Death of MCC Codes We Cannot Build the Future of Merchant Acceptance Around Four Digits ""After more than 30 years in payments, I believe one of the biggest constraints on our industry's future is something we've become so accustomed to using that we've stopped questioning it." - Noah Fitzgerald, CPP, CRO Qredible, Inc. […]
Why Products Matter More Than Businesses The Next Evolution of Merchant Risk Is Happening at the Product Level. ""You cannot fully understand the risk of a merchant without understanding the products behind the merchant." - Noah Fitzgerald, CPP, CRO Qredible, Inc. Introduction For decades, merchant underwriting has started with the business. Who owns it? […]
What Every Chief Risk Officer Should Know About the Future of Merchant Risk Merchant Risk Is No Longer a Department. It's an Enterprise Strategy. ""The organizations that will lead the next decade won't simply manage risk more efficiently. They'll understand it more intelligently." - Noah Fitzgerald, CPP, CRO Qredible, Inc. Introduction For decades, merchant […]
Why Risk Teams Need Intelligence, Not More Reports Reporting Documents the Past. Intelligence Shapes the Future. ""The goal of a modern risk organization isn't to produce more reports. It's to produce better decisions." - Noah Fitzgerald, CPP, CRO Qredible, Inc. Introduction Walk into almost any risk department today and you'll see an impressive collection […]
The 781 Hemp Rule Is a Wake-Up Call for Payment Processors and Banks Why Product-Level Intelligence Is Becoming the New Standard for Merchant Risk For the past several years, the hemp industry has operated in one of the most complex and rapidly evolving regulatory environments in commerce. Federal guidance, state laws, card brand policies, and […]
""You can monitor a merchant every minute of every day and still fail to understand what's actually changing." - Noah Fitzgerald, CPP, CRO Qredible, Inc. Merchant Intelligence™ vs. Merchant Monitoring Why Watching Merchants Is No Longer Enough Introduction Ask almost any payment provider, acquiring bank, or compliance technology company whether they monitor merchants, and […]
The Business Case for Continuous Merchant Intelligence™ Why the Most Valuable Merchant Intelligence Is the Intelligence You Never Stop Building ""The organizations that win tomorrow won't simply process more merchants. They'll understand their merchants better than anyone else." - Noah Fitzgerald, CPP For decades, merchant intelligence has been viewed primarily as a compliance function. […]
Why Static Merchant Profiles Create Dynamic Risk The Biggest Risk in Merchant Underwriting May Be Assuming Merchants Don't Change ""Risk doesn't become dangerous because it exists. It becomes dangerous when it changes without anyone noticing." - Noah Fitzgerald Introduction One of the most common questions asked during merchant underwriting is remarkably simple. "What does […]
The Death of Merchant Files Why Tomorrow's Commerce Cannot Be Managed by Yesterday's Documents ""The merchant file isn't disappearing because documents no longer matter. It's disappearing because merchants no longer fit inside documents." - Noah Fitzgerald Introduction Walk into almost any underwriting department today and you'll find a familiar process. A merchant applies. Documents […]
Five Warning Signs Your Underwriting Process Is Already Obsolete Why the Future of Merchant Risk Management Looks Nothing Like the Past ""The problem with legacy processes is not that they were poorly designed. The problem is that they were brilliantly designed for a world that no longer exists." - Noah Fitzgerald Introduction Take a […]
