Payments Strategy Breakdown by Dwayne Gefferie
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PayPal's Unbundling
What comes after you forget to turn your portfolio into a platform.
15 hrs ago
•
Dwayne Gefferie
5
Fiserv’s Unraveling
What happens when scale outlives strategy
Jul 23
•
Dwayne Gefferie
19
1
3
Transaction Foundation Models
Why Stripe, Adyen, Visa, Mastercard and Revolut are all training AI on payment data, what it changes for merchants and margins, and who actually gets to…
Jul 17
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Dwayne Gefferie
9
2
Three Things the Worldpay's Global Payments Report 2026 Made Me Rethink
I've read the Global Payments Report cover to cover for about a decade. This year, three numbers that look settled turned out to be telling a deeper…
Jul 9
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Dwayne Gefferie
11
Machine-to-Machine Payments
Why the next frontier in payments has no human in it. What it is, why it works now, and whether it's where the next payment companies get built.
Jul 2
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Dwayne Gefferie
7
1
June 2026
Usage-Based Billing
Why Adyen, Stripe, Airwallex and Salesforce are all buying the same software, and what they're really paying for.
Jun 24
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Dwayne Gefferie
14
1
The Great Re-Bundling
Why The Last Wave of Mega-Mergers Was About Scale, and This One Is About Scope.
Jun 16
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Dwayne Gefferie
9
1
2
The 2026 Payments Mid-Year Breakdown
Four shifts moved value to the edges of the payment. But one question that matters the most.
Jun 10
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Dwayne Gefferie
10
2
May 2026
500 Fraud Professionals Exposed the Mule Account Handover Problem.
Here's What They Found, and What You Can Learn From It.
May 27
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Dwayne Gefferie
3
The Credential Layer
Why a Compromised Card Number Defeats Every Layer Built to Stop It
May 15
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Dwayne Gefferie
6
2
The Authentication Challenge
Why the Authentication Layer is where the Issuer tests the claim the Merchant has sent.
May 5
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Dwayne Gefferie
8
April 2026
The Merchant's Decision
The merchant runs the most sophisticated fraud check in the chain. It also pays for being wrong twice.
Apr 28
•
Dwayne Gefferie
5
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