The Green Sheet Online Edition
April 13, 2026 • 26:04:01
Industry Update
ANNOUNCEMENTS
BHMI celebrates 40 years in business
BHMI is marking its 40th anniversary, highlighting four decades of innovation in enterprise and real-time, event-driven transaction processing software. Founded in 1986, the company has built a reputation for delivering scalable, mission-critical software, evolving from early deployments in transportation and telecommunications to a strong focus on electronic payments. Its Concourse Financial Software Suite, for example, supports global electronic payment processing with a flexible, rules-based architecture. BHMI credits its longevity to continuous innovation, strong client partnerships, and a skilled team focused on reliability and performance. The company said it remains committed to advancing real-time technologies and supporting customers with future-ready solutions.
CSG a Leader in Gartner Magic Quadrant
CSG was named a Leader in the 2026 Gartner Magic Quadrant for Customer Journey Analytics & Orchestration, recognizing its vision and execution. The company’s Xponent platform is designed to help businesses turn real-time data into actionable insights, enabling personalized, seamless customer experiences. By identifying and resolving issues as they occur, the platform can support improved engagement, reduced friction and measurable business outcomes. For example, one U.S. bank using Xponent reduced inbound calls, increased SMS responsiveness and lowered fraud cases. As customer expectations rise, CSG positions its technology as essential for delivering connected, data-driven interactions that build trust and loyalty.
Mews makes Single Sign-On free
Mews recently made Single Sign-On (SSO) available at no additional cost to all customers, expanding access to enterprise-grade security for hospitality businesses. The move, Mews said, addresses growing risks tied to compromised credentials, a leading cause of data breaches, while helping hotels manage challenges such as high staff turnover and shared systems. SSO enables secure, centralized access across applications, reducing phishing risk, simplifying workflows and supporting compliance, the company added. Removing cost barriers, Mews further noted, allows properties of all sizes to strengthen identity protection without added complexity, enhancing both operational efficiency and guest data security in an increasingly high-risk digital environment.
UnionPay launches agentic payment open protocol
UnionPay introduced the Agentic Payment Open Protocol (APOP), a framework designed to support secure, interoperable AI-driven payments. Demonstrated through an AI-assisted taxi booking in Hong Kong, APOP enables seamless integration among agents, merchants and financial institutions, UnionPay affirmed. The framework includes lifecycle management of agent identity, intent verification, user identity controls and payment authorization services. Built on principles of openness, security, compliance and scalability, APOP aims to establish industry standards for agentic payments. By fostering global collaboration, UnionPay seeks to create a trusted, efficient ecosystem that advances AI-powered transactions and strengthens connectivity across the payments landscape.
RESEARCH
FPC advises on opportunities in high-growth verticals
The U.S. Faster Payments Council released a white paper on instant recurring payments, highlighting their potential to improve efficiency across high-growth sectors. Combining real-time settlement with recurring billing, these payments leverage FedNow and RTP networks to enhance subscriptions, rent, insurance and more. The report identifies benefits such as reduced failures, improved cash flow visibility and better customer experience, while addressing challenges including fraud risk, compliance and integration costs. It outlines five key verticals and offers guidance for phased adoption, positioning instant recurring payments as a strategic opportunity for businesses and financial institutions to modernize and drive growth.
Tap-to-pay gaining tractions among consumers
Kurv’s recent report, Credit Card Confessions: Inside America’s Spending Habits, highlights shifting consumer expectations around payments. Nearly one in four Americans surveyed for Kurv's study avoid stores without tap-to-pay, signaling lost sales opportunities for businesses lacking contactless options. Convenience and speed are top priorities for half of respondents, while more than two in five emphasize security, underscoring the importance of seamless, trusted payment experiences. Generational differences are pronounced among survey participants, with Gen Z 120 percent more likely to prioritize tap-to-pay. As mobile payments become standard among younger shoppers, the checkout experience is emerging as a key differentiator influencing customer loyalty, repeat business and long-term brand preference, Kurv stated.
AI redefining the role of merchant acquiring
RS2’s latest white paper, AI in Merchant Acquiring: From Fraud Mitigation to Revenue Generation, explores how artificial intelligence is transforming acquiring into a strategic driver of revenue and performance. As payments grow globally, AI enables real-time decision-making through advanced risk scoring, intelligent routing and predictive analytics to improve approval rates and reduce declines. The report highlights emerging capabilities such as dynamic pricing, churn prediction and personalized services, supported by an “AI control tower” integrating data and operations. By leveraging intelligence-driven platforms, acquirers can move beyond transaction processing to deliver greater value, enhance merchant outcomes and strengthen their competitiveness, RS2 said.
Credit card debt reaches $1.33 trillion
WalletHub’s analysis of recent Federal Reserve data shows U.S. credit card debt reached $1.33 trillion in February 2026, a record for the month in nominal terms but about 10 percent lower when adjusted for inflation. The average household balance was $11,036, still below peak levels, suggesting some financial breathing room, WalletHub found. The debt-to-deposit ratio stood at 7 percent, well below historical highs, indicating improved overall positioning. However, high interest rates persist, with average APRs at 21.52 percent. Looking ahead, WalletHub projects total credit card debt will increase by approximately $50 billion by the end of 2026, reflecting continued reliance on credit.
PARTNERSHIPS
BDIA, Cashflows to enhance BDIA member benefits
Cashflows partnered with the British Dental Industry Association to deliver payment solutions tailored to UK dental providers. The collaboration aims to replace legacy merchant services with modern, flexible options that streamline billing, support prepayments and recurring plans, and improve cash flow. Cashflows offers fast onboarding, real-time transaction visibility and PCI-compliant security, helping to reduce administrative burdens while enhancing patient experience. By joining BDIA’s Business Services portfolio, Cashflows provides dental practices with trusted, purpose-built payment tools and greater choice, supporting operational efficiency and long-term financial health, the partners stated.
FIBT launches Giftly's digital gifting on Kavinu
Kotapay, a division of First International Bank & Trust, onboarded Giftly to its Kavinu banking-as-a-service platform, supporting the digital gifting company’s payouts with cloud-based infrastructure and ACH processing. The transition included transferring $21.8 million in balances while maintaining uninterrupted operations, Kotapay stated, noting that Kavinu’s bank-direct, API-driven model enables scalable embedded finance while strengthening compliance, risk management and oversight. The partnership, Kotapay added, supports Giftly’s growth and expansion of payout options, while providing FIBT and Kotapay with increased deposits and transaction volume.
Paysecure, N365 to deliver smart payment orchestration
Paysecure said it partnered with Nucleus365 to deliver its payment orchestration suite as a white-label solution, enhancing N365’s platform with AI-driven smart routing, customizable checkout and real-time resilience features. The integration enables improved transaction acceptance, reduced costs and seamless scaling across global markets while maintaining compliance, according to the partners. As demand grows for faster, more flexible payment experiences, the collaboration strengthens N365’s cross-border capabilities and technology stack. For merchants, they added, it offers a unified, future-ready infrastructure supporting multiple payment functions, while positioning N365 to expand its reach with a more intelligent, resilient and competitive payments ecosystem.
Fastboy connects BambooPay gateway to Visa's Cybersource
Fastboy Payments said it partnered with Cybersource to integrate its BambooPay Gateway into the Cybersource platform, enabling merchants to access digital commerce and fraud management tools through a single integration. The collaboration leverages services such as token management, account updater, Decision Manager and Visa 3-D Secure to improve authorization rates and strengthen fraud prevention. By combining payment performance with advanced authentication capabilities, Fastboy noted, the integration helps reduce operational complexity and enhance efficiency across online and recurring transactions. The partnership also delivers a more scalable, resilient infrastructure to support evolving digital commerce and security demands, Fastboy added.
ACQUISITIONS
ePayResources and ATMIA finalize merger
ePayResources and the ATM Industry Association completed a merger, effective April 1, 2026, combining payments education, compliance expertise and global ATM industry advocacy. Both organizations will continue operating under their respective brands, with ATMIA operating as a division of ePayResources. Existing leadership will remain in place. The combined entity represents more than 1,600 institutions across 65 countries, and is expected to have a strong role as a unified industry voice. The partnership aims to expand education, research and innovation while helping members navigate evolving technologies such as real-time payments and AI.
ETA acquires ATPC
The Electronic Transactions Association acquired the American Transaction Processors Coalition to strengthen its role as a leading voice in the payments industry. The association stated the integration enhances its advocacy, education and member engagement efforts, expanding its ability to address federal and state policy issues. ATPC Executive Director Jay Morgan will join as an adviser, bringing expertise in public policy. The combined organization aims to advance innovation, trust and industry representation while building on the ATPC’s legacy in payments education and thought leadership, including initiatives like the FinTech Academy, benefiting the broader payments ecosystem.
Plaid to acquire This Week in Fintech
Plaid agreed to acquire This Week in Fintech, a global fintech media and community platform with more than 200,000 subscribers and a growing events and digital presence. The deal reflects Plaid’s role in supporting fintech innovation and TWIF’s mission to inform and connect the industry, TWIF stated. TWIF will operate as an independent subsidiary, maintaining its editorial voice while expanding its reach. The companies noted they share a focus on advancing fintech through content, community and collaboration.
APPOINTMENTS
Olga Damiron joins Ingenico
Olga Damiron signed on with Ingenico as chief people & culture officer, where she will oversee talent strategy and employee development across more than 3,000 employees in 32 countries. Damiron brings to Ingenico more than 20 years of experience in global, technology-driven organizations, most recently serving as chief people & talent officer at Vantiva. She has also held senior HR leadership roles at ESI Group and Algeco Scotsman. At Ingenico, she will focus on leadership development, culture and employee growth. The company said her appointment supports its commitment to building a strong workplace culture and advancing its long-term strategy.
Flywire taps Christine Katziff
Flywire appointed Christine Katziff to its Board of Directors, where she will also serve on the Audit Committee. Katziff brings 38 years of experience from Bank of America to this role, having most recently served as chief audit executive, overseeing global audit, risk, cybersecurity and compliance functions. Her leadership in innovation and risk management supported large-scale financial operations and disciplined growth. In addition to her corporate career, Katziff has held governance roles in healthcare, education and nonprofit organizations. Flywire said her expertise in financial oversight, digital transformation and AI will support the company’s continued global expansion and client-focused growth strategy.
i2C expands leadership team by four
i2c appointed four senior executives to its leadership team to support global expansion, strategic partnerships and product innovation. Dean Scharmen Jr. joins as chief growth officer, bringing to i2c experience from Fiserv, where he led North America sales for issuing solutions. He will oversee global revenue strategy and go-to-market initiatives, with a focus on driving growth across i2c’s platform. Mickey Lynch, formerly of FIS, was named senior vice president of strategic partnerships and will lead corporate development and ecosystem expansion, leveraging more than two decades of fintech and embedded finance expertise.
Candace Davies, appointed chief marketing officer, brings over 25 years of experience to i2c, including a senior leadership role at Mastercard. She will lead global marketing strategy, brand positioning and sales enablement to support i2c’s continued market expansion. Meredith Carlo joins as general counsel. Most recently, she advised FIS on legal, compliance and risk matters across banking and payments. At i2c, she will oversee legal strategy, regulatory compliance and governance.
Peter Theunis to advise Paymentology
Paymentology chose Peter Theunis as its principal advisor. Theunis brings to the company over 25 years of experience spanning digital banking, financial inclusion and cross-border payments, having held senior roles across Europe, the Middle East, and APAC. Previously he served as Visa country manager for Belgium and Luxembourg. He also held leadership positions at BPC Banking Technologies, Endava, the UAE Ministry of Finance, TAS Group, OpenWay and Clear2Pay. Paymentology said the appointment signals the company's continued investment in strategic leadership as it scales its platform across more than 60 countries. 
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