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 […]

The Merchant Intelligence Revolution™ Why Commerce Needs a New Intelligence Layer For more than three decades, I have had the privilege of working alongside banks, payment processors, card brands, fintech innovators, regulators, merchants, and technology companies across nearly every segment of the payments ecosystem. During that time, I have witnessed extraordinary innovation in how commerce […]

The Most Expensive Merchant Is the One You Never Should Have Submitted How Merchant Risk Intelligence Is Transforming Sales Before Underwriting Ever Begins After more than 33 years in the payments industry, I've come to believe one of the biggest inefficiencies isn't found inside underwriting. It's found long before an application ever reaches an underwriter. […]

AI Isn't the Revolution. The Data Is. Why the Future of Merchant Underwriting Depends on Intelligence—Not Just Artificial Intelligence Over the past two years, Artificial Intelligence has become the hottest topic in financial services. Every underwriting platform claims to use AI. Every merchant onboarding solution promises automation. Every workflow tool advertises faster decisions. And they're […]

Determining the risk profile of a business feels like solving a complex puzzle with missing pieces. For payment processors, banks, and financial institutions, evaluating which merchants represent acceptable risks involves careful calculations that balance potential rewards against possible losses. This decision-making process becomes even more intricate when assessing merchants in regulated industries like cannabis, CBD, […]