Payments Blog

Michael Roche

Michael Roche is the Vice President of Consumer Authentication where he focuses on developing and strengthening relationships with enterprise partners in order to provide them with eCommerce solutions tailored to their needs.Mike is our Consumer Authentication expert. He is instrumental in soliciting feedback from Customers to improve current products and shape new product development.

Mike has been with CardinalCommerce since 2003, serving in many different capacities throughout his tenure. He is the founding member of the sales force and merchant support teams, where he has had the opportunity to contribute and lead the development of all of Cardinal’s Consumer Authentication programs, while working very closely with both Visa and MasterCard on their design and deployment of 3-D Secure. Mike is a member of The Payments Committee with the Merchant Risk Council (MRC) and is active with other industry organizations such as the Direct Response Forum, Electronic Transaction Association, Secure Remote Payments Council, and Cardholder Not Present Forum. He is frequently invited to speak at industry events on various payments- and fraud-related topics, in the U.S. and internationally.

Mike holds two Bachelor of Arts degrees with distinction from John Carroll University and is pursuing his MBA from Case Western Reserve University. In his free time, Mike enjoys fishing on Lake Erie, is a history fanatic and also is a published author. His greatest pride and accomplishments are his daughter Theodora, his son Macklin and beautiful wife Rebecca.

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Recent Posts

Are You Selling to Generation Z or Millennials?

Posted by Michael Roche
Aug 30, 2016 8:30:00 AM

For most consumers, having a credit card is a necessity, but not for Millennials and Generation Z.

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Topics: CardinalCommerce, Affirm, millennials, generation z, eCommerce

Online Spending Habits of Generation Z vs. Millennials (Mobile)

Posted by Michael Roche
Aug 23, 2016 8:30:00 AM

Last week we went through some online spending habits of Generation Z, but let’s take a deeper look into how they shop and what sets them apart from Millennials and past generations.

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Topics: CardinalCommerce, Affirm, millennials, generation z, eCommerce

Know Your Consumer: 4 Online Spending Habits of Generation Z

Posted by Michael Roche
Aug 16, 2016 8:30:00 AM

By 2020, Generation Z (those born between 1995 and 2015, roughly), will be the largest group of consumers worldwide, making up 40% of the US, Europe and BRIC (Brazil, Russia, India and China) countries, and 10% in the rest of the world.

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Topics: CardinalCommerce, millennials, generation z, eCommerce

eCommerce Merchant (Retail) Back to School Statistics

Posted by Michael Roche
Aug 9, 2016 1:13:50 PM

In August, many consumers are thinking about back to school shopping. They are looking for the best deals and places to shop. But when it comes to eCommerce, what are the trends with buying those school supplies? Here is what we found out:

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Topics: CardinalCommerce, eCommerce

Smartwatches: Are they the future of payments?

Posted by Michael Roche
May 10, 2016 8:30:00 AM

There is nothing universal in the payments world and it's no secret that mobile shopping isn’t going anywhere but up.

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Topics: Fraud, smartwatches

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