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

EMV for Financial Institutions: The U.S. Deadline is Coming

Posted by Greg Esser
Sep 10, 2015 9:27:05 AM

 There is no doubt that EMV (Europay, MasterCard, and Visa) cards are here to stay in the U.S. While EMV prevents fraud in the card present space, it does not do the same in the eCommerce/card-not-present (CNP) space. 

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Notes from NACHA Payments 2015

Posted by Greg Esser
Apr 28, 2015 8:30:00 AM

We went to NACHA a few days early to get Bourbon Street out of  our systems. The plane may have been only half full, but Bourbon Street was alive and well!!!!!

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Holiday shopping Fraud; What Issuers Could be Doing

Posted by Greg Esser
Dec 10, 2014 3:44:00 PM


The Holiday shopping season is in full swing. This means transaction volume is at its highest, and that includes fraudulent transactions. Usually efforts to prevent fraud have the unfortunate consequence of un-intentionally declining “good” transactions.


The networks report that less than 80% of online transactions are authorized compared to 96% at the POS.

What could Issuing Banks be doing to ensure the good transactions get authorizd and to prevent fraud during this holiday season and into 2015?

It may be too daunting of an effort for Issuers to know of all of the potential solutions, risk trends and fraudsters practices. Issuing Banks (small to large) don’t always see the data and trends the merchants see or use.

Cardinal’s Consumer Authentication for issuers is a collaborative or federated approach.  We are able to combine in real-time what the issuers know about their Customer (KYC) and what the merchants understand about their consumers.  The result is higher authorizations for “good” orders, while thwarting the crooks.

We can combine the benefits of what you know with what merchants understand in real-time to grow your top-line and prevent fraud.

Cardinal is focused on providing banks and credit unions the solutions they need to improve the level of loyalty, security and trust with their Customers. With One Connection to Cardinal, you can FutureProof™ your payments business.

 Contact Cardinal

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Topics: Consumer Authentication, CardinalCommerce

All About One-Time Passcodes

Posted by Greg Esser
Oct 7, 2014 8:30:00 AM

Dynamic one-time passcodes (OTP) are becoming a preferred Consumer Authentication method for banks around the world. Financial institutions have started requiring OTPs to authenticate Customers, as well as employees before granting them access to sensitive financial data. 

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Topics: CardinalCommerce, FIS, passcodes, passwords

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