Once a humble piece of plastic tied to a single merchant, gift cards have evolved into flexible ecosystems that sit at the forefront of many brands. A major driver of this transformation has been digital gift cards, which have reshaped the way the industry views prepaid products. Today, gift cards are not only central to loyalty programs and employee engagement efforts but also remain consumers’ go-to choice for gifting. Yet, the evolution of the gift card industry is far fro

Emerging rails like real-time payments, stablecoins, and central bank digital currencies have quickly created a fragmented payments ecosystem. This environment presents both an opportunity and a challenge for digital wallet companies: they could become the nexus for all payment types if they can build mechanisms to connect disparate sources into a single solution.  Although digital wallets have gained solid momentum in peer-to-peer and e-commerce spaces, they are not yet an a

Celebrating the holidays is still a top priority for consumers, but several factors make this season unique. Shoppers are balancing tighter budgets, adapting to a rapidly evolving digital landscape, and carrying ever-higher expectations. At the same time, many employers are grappling with how best to show appreciation to their teams. In a recent PaymentsJournal webinar, BHN’s Director of Global Research, Sarah Kositzke , Head of Global Commerce, Brett N arlinger,  and Head of

Great CX doesn’t require perfection—it requires intention. A genuine commitment to listening, learning, and putting people first will always make a difference. Customer experience is no longer just a part of your business—it is your business. In a world where expectations are higher than ever, overlooking the importance of delivering excellent service can be one of the most costly mistakes a company makes. Why? Because we know that the true cost of poor customer experience (C

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