Mike Fowler
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The Cornerstone of a Successful Business in Challenging Times
Loyalty

The Cornerstone of a Successful Business in Challenging Times

Are you leaving your own success on the table? Invest in your existing customers. Reward them, value them, and watch your business thrive.
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Mike Fowler
The Rise of Digital Wallets and What's in Store for the Future
Digital Wallets

The Rise of Digital Wallets and What's in Store for the Future

Digital wallets offer a faster, safer, and more convenient way to manage your money, both in stores and online. Half the world's population will be using them by 2026. What's next?
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Mike Fowler
Account-to-Account Payments: An American's Perspective from Australia
Payments

Account-to-Account Payments: An American's Perspective from Australia

While fintech innovation continues to grow, significant strides are needed to simplify account-to-account payments in the U.S. It's time for the U.S. banking system to catch up and offer the seamless, real-time transactions that are already standard in other parts of the world.
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Mike Fowler
The Future of Commerce: Seamless Payments in a Click

The Future of Commerce: Seamless Payments in a Click

By reducing the steps to checkout, leveraging advanced tokenisation, embracing digital wallets, and optimising the payment stack, businesses can meet the evolving demands of today's digital consumers.
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Mike Fowler
The Future of Fraud Prevention in the Payments Industry
Payments

The Future of Fraud Prevention in the Payments Industry

AI & machine learning go hand-in-hand with payments to reduce fraud and recognise patterns that optimise authorisation rates and reduce declines. What is it and what are some techniques that are being leveraged?
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Mike Fowler
The Power of Tokenization in Omnichannel Payments: Part II
Customer Experience

The Power of Tokenization in Omnichannel Payments: Part II

Part II on Tokenization - Harness the power of tokenization to achieve a competitive edge and deliver unparalleled customer experiences.
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Mike Fowler
Network Tokenization to Prevent Fraud and Risk: Part I
Payments

Network Tokenization to Prevent Fraud and Risk: Part I

Tokenization is timely. Key to optimising your payment strategy while improving the customer experience. Loyalty, customers and card data at the tip of you and your customers fingers. Part I.
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Mike Fowler
Merchant Surcharging: Considerations for Businesses
Payments

Merchant Surcharging: Considerations for Businesses

Time for a deep dive on merchant surcharging. While surcharging occurs in both card present and card not present environments, it's often misunderstood and I've tried to bring both sides to the table ..... bon appétit.
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Mike Fowler
PayTo: A New Payment Revolution for Businesses
Payments

PayTo: A New Payment Revolution for Businesses

Account to account payments are on every businesses radar. Why? Woolworths has now announced its plans to shift payment processing to PayTo using the New Payments Platform (NPP), Australia's real-time payments system. This is going mainstream. Right now.
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Mike Fowler
The Evolving Retail Payments Landscape
Payments

The Evolving Retail Payments Landscape

Consumer preference for contactless payments and mobile wallets is leading to declining cash usage. The NPP continues to grow ... what is this NPP and what are some of it's considerations?
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Mike Fowler
Merchant Choice Routing: What is It?
Payments

Merchant Choice Routing: What is It?

Merchant Choice Routing (MCR) enables merchants to choose the most cost-effective routing path for payment transactions, potentially lowering their transaction processing costs.
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Mike Fowler
Successful Payment Strategies for FY24
Payments

Successful Payment Strategies for FY24

As the financial year 2024 approaches, eCommerce brands must focus on payment methods, payment infrastructure, and data-rich tools to drive growth and improve the customer experience. In order to achieve this, brands should offer a variety of payment methods, streamline the payment process, …
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Mike Fowler
Mike Fowler © 2025
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