Payments Blog

Greg Esser

Greg Esser is currently fully responsible for Product and Sales Engineering for the Global Financial Institution Services Division, where he manages Technical Sales, market analysis and product enhancements across the issuing platform. With more than five years of industry experience, Greg has been a leader in many aspects of the Cardinal organization, spearheading inter-departmental and cross-functional groups tasked with evaluating and building solutions, direct merchant sales, global market services and the Management of Strategic Alliances. Greg’s sales mentality and product experience has played a key role in Cardinal's expansion in the global Card Not Present space. Greg has a B.S degree in Psychology from Heidelberg University.

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Recent Posts

Issuing vs. Acquiring: What's the Difference?

Posted by Greg Esser
Jun 21, 2016 8:30:00 AM

Two players that are in the payments space are the issuing and acquiring banks. Both are underwriting parties in the payments landscape, and are in the transaction flow when information is being sent for authentication and authorization.

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Topics: CardinalCommerce, chargebacks, issuing, acquiring

A Financial Institution's Guide to Consumer Authentication Tips for Success Part 2

Posted by Greg Esser
Dec 8, 2015 8:30:00 AM

In case you missed last week’s blog, we are sharing tips for success for a bank that is implementing a Consumer Authentication solution. Cardinal’s Consumer Authentication provides a consumer centric shopping experience. Managing consumer friction during checkout = increased sales, and no one likes to turn away good consumer.  Here are some more tips, built on the first 7 from last week’s post:

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Topics: Consumer Authentication

A Financial Institution's Guide to Consumer Authentication Tips for Success

Posted by Greg Esser
Dec 1, 2015 8:30:00 AM

 Making sure you keep the crooks away is important, but ensuring your consumers a seamless check out is just as important. Your loyal and routine consumers will appreciate Cardinal Consumer Authentication because of the improved authorizations, and no one wants to turn away a good consumer. Cardinal’s Consumer Authentication provides a consumer centric shopping experience. Managing consumer friction during checkout = increased sales, and no one likes to turn away good consumers. Everyone wins, the bank authorizes more transactions, the merchant accepts more orders, the consumer gets the product and the crooks lose! 

 

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Topics: Consumer Authentication

EMV for Financial Institutions: The Closed Loop Approach

Posted by Greg Esser
Sep 22, 2015 8:30:00 AM

 

In our last two blogs, we discussed EMV and how issuers can use a risk/rule-based approach to authenticate cardholders and increase authorization. In our final blog of the series, we will pull it all together with why financial institutions need Consumer Authentication.

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Topics: EMV

EMV for Financial Institutions: The Risk-Based Approach

Posted by Greg Esser
Sep 15, 2015 10:30:00 AM

 

In our last blog, we talked about the U.S. EMV liability shift, (those that adapt gain the benefit vs those that don’t) and how Cardinal Consumer Authentication benefits both issuers and merchants with increasing their sales. Today, we will discuss the best way to implement Consumer Authentication for financial institutions. Cardinal Consumer Authentication (CCA) for financial institutions authenticate transactions using risk-based authentication (RIBA).

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Topics: EMV

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