Over on our sister blog PaymentsViews.com, I share some of my thoughts about today's announcement of American Express acquiring Revolution Money. It's a bold move towards innovation by a company that's been slow to move in the past. Read my post and share your comments - would love to know what you think!

Over on our PaymentsViews.com blog, Glenbrook's Carol Coye Benson reflects on yesterday's announcement by the Federal Reserve of new rules prohibiting banks from charging overdraft fees on debit card and ATM transactions without first obtaining consumer opt-in. Carol speculates on what retail banks will do to deal with the potential loss of overdraft fee revenue that could result.

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Over on our PaymentsViews.com sister blog, Glenbrook's Russ Jones shares his perspective on what he found to be the most interesting item to come of our PayPal's Developer Conference earlier this week: PayPal Adaptive Accounts.

Over on PaymentsViews.com, Glenbrook's Allen Weinberg reports on his recent interview with Jason Hogg, CEO of Revolution Money. READ MORE

Over on PaymentsViews.com, Glenbrook's Carol Coye Benson takes a look at mFoundry with her interview of CEO Drew Sievers.

Carol writes:

In the short-term, the killer app for mFoundry will be frequent-use, closed-loop stored value cards – delivered not by NFC but by the use of 2D bar codes. The Starbucks test announced last week is the first of what Sievers claims will be multiple announcements coming from mFoundry in the near future. 

Over on PaymentsViews.com, Glenbrook's Carol Coye Benson takes a look at mobile payments provider Payfone.

"Instead of using SMSs and short codes like ringtone merchants and existing bill-to-carrier payment providers, Payfone operates within the carrier signaling network, a global network that allows carriers to communicate and exchange information between each other." Read the full article here.

In her latest post titled "Countdown to IAT: Are You Ready?" on our sister site PaymentsViews.com, Glenbrook's Erin McCune examines the new International ACH format – IAT – and accompanying NACHA rule changes that take effect next month on September 18th. If you are not sure how IAT affects you and your company, read on.

In a new PaymentsViews.com post, Glenbrook's Jacqueline Chilton updates her earlier post that described her personal experience trying to use her US-issued mag stripe (non-chip) credit card during a recent visit to the UK.

It's been a busy day today on Glenbrook's PaymentsViews.com where the following new articles have just been posted:

• Broken Windows and Card Payments Fraud - by Scott Loftesness
• The End of Cards as We Knew Them? - by Jacqueline Chilton
• Mobile Payment Gateway? – a Look at Billing Revolution - by Carol Coye Benson
• Digital Content & Mobile Phones – a Look at Zong - by Carol Coye Benson
• Wallets and Stickers and Phones, Oh My! – a Look at Blaze Mobile - by Carol Coye Benson
• Carriers United – a Look at Canada's Zoompass - by Carol Coye Benson

Today over on our sister site PaymentsViews.com, our Glenbrook colleagues Carol Coye Benson and Erin McCune have each published articles about ACH. Carol recently interviewed NACHA CEO Jan Estep - see her article ACH: Big Questions for the Biggest Network. Erin's article discusses her thoughts on the future of ACH.

Over on PaymentsViews.com, Glenbrook's Carol Coye Benson takes a look at the UK's Faster Payments Service. Carol spoke with David McFarlane, Company Manager, CHAPS Clearing Company about FP - and said she was surprised by much of what he said: FP is not what you thought!

Newly available over on our PaymentsViews.com sister site is a new Glenbrook research brief titled "Credit Card Acceptance for B2B Payments" by Glenbrook's Erin McCune and Carol Coye Benson.

This new research brief is based findings from a series of interviews conducted with business-to-business suppliers about credit card acceptance conducted earlier this year. There's a form in the article for you to request a download of the report.

On PaymentsViews.com, Glenbrook's Carol Coye Benson takes a look at CashEdge's new POPmoney person-to-person money transfer service. Carol interviewed CashEdge's Neil Platt, SVP & General Manager - US Banking, about the new service.

In a post titled "Beaucoup Bucks" over on our sister PaymentsViews.com website, Glenbrook's Carol Coye Benson takes a look at Boku, the new online payments service that was announced yesterday. Carol begins: "Boku is drop-dead easy for the consumer. The online demo is stunning in its simplicity. Never, ever, underestimate the importance of ease of use for a consumer. Especially for spontaneous purchases. In my opinion, this is right up there with 1-Click."

This week, NACHA's Payments 2009 Conference is being held in Orlando. Our Glenbrook colleagues Erin McCune and Bryan Derman are attending the conference and will be sharing some of their learnings and reactions over on Glenbrook's PaymentsViews.com. Erin kicks off the coverage with an update on the latest B2B payments stats - and she'll also be tweeting her observations from her Twitter account (@erinmccune) using the hashtag #pay09. Bryan's on Twitter too: @bdermanct. If you'd like to meet with Erin or Bryan in Orlando this week, drop them an email!

A couple of new posts from your friends at Glenbrook over on PaymentsViews.com:

• The Problem with B2B Payments - Glenbrook's Carol Coye Benson laments the slow progress in B2B payments - and her view of some of the myths and realities about why movement is slow.
  
  In particular, she asks "Why can’t you just look up ACME Widget Co. and find out what kind of electronic payments ACME supports, and how to pay them electronically?"
  
  
• What Does Payments as a Service (PaaS) Mean to You? - Recently a number of ecommerce merchants and traditional companies have asked us, “Can I just outsource ALL of my payment processing? I’ve had it!”
  
  Glenbrook's Erin McCune explores the issue - and asks If you were to buy Payments as a Service - which processes, services, and/or functions would be included in your dream solution?

Got more ideas or comments? Post them over on PaymentsViews.com! You can also sign up for PV's daily email distribution or subscribe to its RSS feed.

Over on our new PaymentsViews.com blog, Glenbrook's Scott Loftesness writes about his current research focus: Innovation in Payments. Scott kicks off a series of posts this week with a look at organizational risk tolerance - and how the cultural risk tolerance either enables or constrains successful payments innovation.

Dave Birch picks up the discussion about the question we asked a few weeks ago in our Creating Wealth from Payments Innovation post: why isn't there a Wal-Mart for payments? Dave blames regulation - and that's certainly a factor. Reminds me of the days when airline fares in this country were heavily regulated, preventing a Southwest from emerging. On the other hand, the most successful new entrant in payments in recent history - PayPal - navigated the regulatory waters (state money transmitter laws primarily) relatively easily. One could argue regulation wasn't much of a barrier for their entry. Google Checkout - acting not like PayPal as a money transmitter but, rather, as a master merchant - seems to have avoided any financial regulatory issues. On the other hand, mobile payment provider Obopay's job description for a VP Treasury Operations includes being responsible for "compliance with Federal banking regulations such as Anti Money Laundering, Patriot Act, Regulation D and E, and the FFIEC guidelines" and for "state money transmitter regulations".

One of our research initiatives at Glenbrook this fall has been exploring innovation in electronic payments - how payments innovations happen, the characteristics of the most important drivers of them (including the impacts of key people, industry structure, and any important technologies) that enable innovations, and how to best measure and define their success.