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Does Monitise genuinely have traction in mobile payments, or is its strength mostly in mobile banking? Jul 5, 2016 Payments (General) Who is likely to make the biggest leap in improving Bitcoin’s usability? Jul 5, 2016 Freelancers, Side Hustles and Getting Paid Online As Americans, what can we do to increase the strength or value of the U.S. dollar? Jul 3, 2016 Economics, Inflation and Monetary Policy What is the difference between the term “banking area” and “banking industry”? Jul 3, 2016 General Finance Questions Do any banks use processing rails other than ACH? Jul 3, 2016 Domestic Payment Rails, National Switches and Clearing Systems What risks would the Bank of Russia face if it ran its own SWIFT-alternative messaging system? Jul 2, 2016 Geopolitics of Money and the International Monetary System Bitcoin in 2015: With Bitcoin’s price dropping sharply, can it still be a sensible business decision? Jul 2, 2016 Crypto Exchanges, Trading and Markets How do mobile banking apps that support check-deposit-by-photo compensate for the loss of physical anti-fraud controls? Jul 2, 2016 Fraud and Scams I have a Visa Inc. interview next week—how should I prepare? Jul 1, 2016 Careers, Jobs and Working in Finance Is there a company that lets you accept bank transfers globally or across several countries? Jul 1, 2016 Merchant Accounts, Processors and Gateways What legal steps and requirements are needed to build a PayPal-like service in the U.S. and globally? Jul 1, 2016 US Money Transmitter Licensing and MSB Registration What is the difference between a current account and a savings account? Jul 1, 2016 Personal and Consumer Finance, Budgeting and Saving What is Google doing well in payments, and what is it doing poorly? Jul 1, 2016 Business Strategy, Case Studies and Lessons Learned What does a letter-of-credit issuing bank do if the buyer fails to repay after the credit period ends? Jul 1, 2016 Trade Finance, Letters of Credit and B2B Payments Is there market space for another major payment service provider like PayPal? Jul 1, 2016 Starting and Running a Fintech or Payments Business How do banks settle foreign-currency transactions—what mechanisms and steps are used? Jul 1, 2016 Correspondent Banking, Nostro and Vostro, and Settlement What are the key differences between conventional banks and Islamic banks? Jun 12, 2016 Islamic, Jewish and Faith-Based Finance What registrations and licenses are required to run an electronic money business? Jun 12, 2016 UK and EU Licensing, EMIs and Payment Institutions How do electronic payments companies operate? Jun 12, 2016 UK and EU Licensing, EMIs and Payment Institutions When might we see mainstream Bitcoin-based remittance that feels seamless for users and matches today’s experience for (a) bank-to-bank and (b) cash-to-cash transfers? Jun 11, 2016 Crypto Payments, On-Ramps and Off-Ramps When a card is swiped, what data does the reader capture and in what format is it transmitted? Jun 11, 2016 Credit, Debit and Prepaid Cards Bank accounts are verified via micro-deposits—who initiates those deposits and how does the verification process work? Jun 11, 2016 Cybersecurity, Digital Identity and Authentication What is the most common logo size used for Visa, Mastercard, AmEx, Discover, JCB, and UnionPay on standard bank cards? Jun 11, 2016 Card Networks and Card Issuing Why do bank transfers still take so long today? Jun 9, 2016 Domestic Payment Rails, National Switches and Clearing Systems What technology does Venmo use to pull funds from user bank accounts, and does it rely on bank APIs? Jun 9, 2016 Digital Wallets, Mobile Money and P2P Payments Is it plausible that an independent PayPal could acquire Square? Jun 9, 2016 Starting and Running a Fintech or Payments Business Where can I earn an annual return of 10–20% on my money? Jun 8, 2016 Capital Markets: Stocks, Bonds and Derivatives What conditions would need to be met for another virtual currency to overtake Bitcoin? Jun 6, 2016 Bitcoin and Cryptocurrency Basics What is the broader significance of Bitcoin in economics and technology? Jun 6, 2016 Blockchain and Distributed Ledger Technology What is the level of credit card penetration in the United States? Jun 5, 2016 Credit, Debit and Prepaid Cards Did Visa ever acquire Mastercard? Jun 5, 2016 Starting and Running a Fintech or Payments Business What is the general attitude of banks toward Bitcoin? Jun 5, 2016 Bitcoin and Cryptocurrency Basics If UnionPay and Apple work together on iWallet, what major opportunities could that create? Jun 5, 2016 Digital Wallets, Mobile Money and P2P Payments How do global platforms like Facebook maintain fast access speeds from almost anywhere in the world? Jun 4, 2016 General Finance Questions What factors drive Bitcoin’s price up and down on a daily basis? Jun 4, 2016 Crypto Exchanges, Trading and Markets How can I put together a proposal for a mobile banking service? Jun 3, 2016 Starting and Running a Fintech or Payments Business How can I test demand for a new online payment solution without actually building the product first? Jun 3, 2016 Starting and Running a Fintech or Payments Business How do services like PayPal and Square move money into and out of their users’ bank accounts? Jun 3, 2016 Domestic Payment Rails, National Switches and Clearing Systems How do card networks like Visa, AmEx, and Mastercard handle cross-border transactions? Jun 3, 2016 Card Networks and Card Issuing How do Bitcoin-based remittances work? Jun 3, 2016 Sending and Receiving Money Abroad What are the implications of a telco like Smart (Philippines) partnering with Rocket Internet to launch a payments product, and is it likely to succeed? Jun 3, 2016 Business Strategy, Case Studies and Lessons Learned How do debit and credit transactions flow between two different banks? Jun 2, 2016 Correspondent Banking, Nostro and Vostro, and Settlement How are nostro and vostro accounts reconciled? Jun 2, 2016 Correspondent Banking, Nostro and Vostro, and Settlement For an incorrect ACH transfer, how should the sender notify the receiving bank under UCC § 4A-205(b) to recover the funds? Jun 2, 2016 Domestic Payment Rails, National Switches and Clearing Systems What different methods can someone use to pay for a service via mobile phone? Jun 1, 2016 Digital Wallets, Mobile Money and P2P Payments How does PayPal manage cross-border payments in multiple currencies, who bears the FX risk, and which other payment companies offer similar cross-border handling? Jun 1, 2016 FX Rates, Spreads and Currency Markets During an IBAN wire transfer (sender bank → correspondent → recipient), what manual verification steps do humans perform? Jun 1, 2016 Correspondent Banking, Nostro and Vostro, and Settlement What happens behind the scenes when you withdraw cash from an ATM? Jun 1, 2016 Banking and Payments Technology Stack How do ATMs function internally? Jun 1, 2016 Banking and Payments Technology Stack Where do you do most of your banking today—branch, web, or mobile? Jun 1, 2016 Digital Banks, Neobanks and Mobile Banking