Latest opinions that Penny Townsend has shared on Finextra

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Penny Townsend

Co-Founder & CPO

Qualpay

Member since

01 Feb 2022

Location

San Mateo

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Penny's opinions

Why Payment Analytics is Essential for Business Success

In a world where commerce is driven by data, merely processing payments is no longer enough. For businesses aiming to thrive, payment analytics—leveraging data from each transaction—has become an essential tool for sustainable growth and customer-centric strategies. As digital transactions surge and payment activity grows both domestically and int...

08 January 2025 /payments

Fostering Customer Loyalty Through Transparent Payment Reconciliation

In a world where businesses fiercely compete for customer attention and trust, cultivating loyalty has become more challenging than ever. While many companies focus on marketing strategies, product innovation, and superior customer service to win loyalty, one often overlooked factor can make a significant difference: transparent payment reconcilia...

17 October 2024 /payments

Unveiling the Power of Interchange Optimization for ISVs

In the fast-paced landscape of today’s industries, particularly within the technology sector, efficiency and streamlining operations are imperative. Every aspect of operations, including financial transactions, plays a crucial role in the success of anyone in the IT world, from developers to ISVs. ISVs, in particular, have an opportunity to take a...

21 May 2024 /payments The Payments Business

Checkout Payments Pages - They're Definitely Worth Checking Out

When it comes to designing your website, it's crucial that you make your checkout page as convenient, simple, and seamless to navigate as possible for your customers. After all, the checkout page is where the rubber meets the road, you might say. That is, it's where customers ultimately decide to buy what you are selling. There are two types of ch...

26 October 2023 /payments /regulation The Payments Business

Adding a surcharge fee: How to identify and capture untapped revenue

Over the last five years there has been a significant shift to digital across all business processes, not least accelerated by a global pandemic. The rollout across businesses and merchants is often piecemeal, different departments lead while other functions lag. Payments is often one area of the business that perpetually lags. In fact, 64% of the...

03 October 2023 /payments /cloud Fintech

Tackling PayFac: 3 Questions all ISVs and Developers Must Ask Themselves

As the broader economic landscape continues to challenge organizations and enterprises of all sizes, ISVs and developers must consider where there may be blindspots in their software. What are the opportunities that they’re missing? Where might they be losing out on key revenue-building opportunities? For many, a monetizing payments integration i...

10 May 2023 /payments /devops

Platform as a Service: Not just another industry buzzword

Since the explosion of fintech over the last several years, the industry has been a breeding ground for buzzwords and acronyms. Terms like “BNPL”, “neobanks” and “open banking” showcase how the industry has evolved at a breakneck pace with new innovations emerging on a near daily basis. With so much transformation, it can be challenging to forecas...

20 September 2022 /payments /predictions Fintech

Breaking Through The Noise: A Seamless Customer Experience is Key to Success

Processing payments is complicated. It’s even more so with outdated and disconnected software vendors and processes, keeping payment data fragmented and prolonging the challenge to incorporate, offer, and support new payment options seamlessly. The outcome is that businesses struggle to update payment offerings and, alternatively, are faced with s...

06 July 2022 /payments Embedded Finance

Empowering the Next Generation of Fintech’s Female Leaders

According to a recent McKinsey report, seventy-three percent of financial services C-suite executive positions are held by men. Within the payments industry specifically, gender diversity is even worse. The same study found that payments had the lowest share of female representation at the entry-level, manager, and senior-manager ranks. And repre...

14 April 2022 /payments /people

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