Consultation Topics

Mike Fowler is a payments and merchant acquiring veteran, senior leader & growth strategist for some of Australia's best known brands.

As an SME with more than twenty years of experience in and around payments, Mike Fowler routinely writes about, discusses and consults across key pillars and topics around payments and commerce. With a diverse range of experience related to merchant services and acquiring, retail & eCommerce, integration & implementation, trends, and insights.

Mike Fowler is available for trade events, conferences, panel discussion & moderation, and private consulting in and around these topics:

Payment Systems and Infrastructure

Understanding the Basics of Card Networks in Australia
Visa, MasterCard, Amex, EFTPOS
How Direct Debits and Wire Transfers Work in Australia
The Role of the SWIFT Network in Australian International Payments
Real-Time Payments in Australia
The Impact of the New Payments Platform (NPP)
Comparing Payment Systems in Australia
Direct Debits vs. Wire Transfers vs. Real-Time Payments
The Evolution of Payment Infrastructure
How Payment Processing Works Behind the Scenes
The Impact of Fast Payments on Payment Systems
Payment System Innovations in Australia
The Future of Payment Infrastructure in Australia
Trends and Insights

Digital and Mobile Payments

How Mobile Wallets are Revolutionising Payments in Australia
Apple Pay, Google Pay, Samsung Pay
The Rise of QR Code Payments
NFC Payments in Australia: Technology, Benefits, and Adoption
Cryptocurrency Payments in Australia
The Future of Digital Transactions?
A Guide to Contactless Payments in Australia
Digital Wallets in Australia
Digital Wallets: Security Features
Digital Wallets: Consumer Adoption
The Impact of Mobile Payments on E-Commerce
Comparing Digital Payment Solutions
PayPal, Alipay, WeChat Pay, and More
How Blockchain Technology is Shaping the Future of Payments
Cryptocurrency in Australia
Cryptocurrency: Opportunities and Challenges

Payment Gateways and Processors

How Payment Gateways Work
Stripe, PayPal, and Square
Choosing the Right Payment Processor for Your Business in Australia
Understanding Merchant Services
Role in Payments in Australia
The Business of Payment Processing in Australia: Key Players and Trends
Payment Gateway Integration in Australia: Best Practices for Developers
A Deep Dive into Worldpay, Fiserv, and Adyen in the Australian Market
How Payment Gateways Ensure Transaction Security in Australia
The Evolution of Online Payment Gateways in Australia
Emerging Payment Processors in Australia: New Players in the Market
Comparing Payment Gateways in Australia
Features, Fees, and Performance

Regulatory and Compliance Issues

PCI DSS Compliance in Australia: A Guide for Businesses
Understanding AML and KYC Regulations in Payments in Australia
The Impact of PSD2 and Open Banking on Australian Payment Systems
Regulation E and Its Australian Equivalent
Navigating Global Payment Regulations from an Australian Perspective
How to Stay Compliant with Payment Security Standards in Australia
The Role of Regulatory Bodies in Australian Payment Systems
Emerging Regulations in the Australian Payment Industry
The Cost of Non-Compliance in Payment Processing in Australia
Future Trends in Payment Regulation and Compliance in Australia

Fraud Prevention and Security

Top Fraud Detection Technologies in Payment Processing in Australia
How Tokenisation Enhances Payment Security
Encryption Methods for Securing Transaction Data
EMV Technology in Australia
Reducing Fraud with Chip Cards
Biometric Authentication in Payments: Pros and Cons
The Role of AI and Machine Learning in Fraud Prevention
Common Payment Frauds and How to Prevent Them
Building a Secure Payment System: Best Practices
Case Studies of Payment Fraud and Their Lessons
The Future of Payment Security: Trends and Innovations

Innovation and Emerging Technologies

How Blockchain and DLT are Disrupting Payments
Artificial Intelligence in Payment Processing: Use Cases
The Role of IoT in the Future of Payments
Biometric Payment Methods: Fingerprint, Facial Recognition, and More
How Open Banking is Changing the Payment Landscape
Innovations in Cross-Border Payments: Faster and Cheaper Solutions
The Rise of Decentralised Finance (DeFi) and Its Impact on Payments
Voice-Activated Payments (IVR+): The Next Frontier?
How Augmented Reality (AR) is Shaping In-Store Payments
Future Payment Technologies: What to Expect in the Next Decade

User Experience and Customer Trends

Designing a Seamless Payment Experience for Customers
The Impact of User Experience on Payment Conversion Rates
Trends in Consumer Payment Preferences
The Growth of Buy Now, Pay Later (BNPL) Services
Integrating Payments with Loyalty and Rewards Programmes
How Contactless Payments are Changing Retail
Creating an Omnichannel Payment Experience
The Role of Social Media in Payment Trends
Understanding Consumer Behaviour in Digital Payments
The Future of E-Commerce Payments: Trends and Predictions

Cross-Border and International Payments

Currency Conversion in International Payments: Challenges and Solutions
The Technology Behind International Remittances
Regulatory Challenges in Cross-Border Payments
How Global Payment Networks Like Alipay and WeChat Pay Operate
The Future of Cross-Border E-Commerce Payments
Case Studies: Successful Cross-Border Payment Solutions
Understanding Exchange Rates in International Transactions
The Impact of Blockchain on Cross-Border Payments
How to Optimise Cross-Border Payment Processing
Emerging Markets and Their Payment Systems Impacting Australia

Merchant and Consumer Behaviour

How E-Commerce Trends Affect Payment Preferences
The Impact of Changing Retail Landscapes on Payment Systems
Consumer Behaviour Insights: Choosing Payment Methods
How Businesses Can Adapt to Changing Payment Trends
The Role of Payment Flexibility in Customer Satisfaction
Personalization in Payment Processing: What Consumers Expect
How Subscription Models are Changing Payment Dynamics
The Rise of Peer-to-Peer Payments and Their Impact on Retail
Understanding the Psychology Behind Payment Choices
Case Studies: How Payment Innovation Drives Consumer Engagement

Business Models and Economics of Payments

How Interchange Fees Work and Their Impact on Merchants
Revenue Models in the Payment Processing Industry
Strategies for Managing Payment Processing Costs
The Economics of Payment Gateways and Processors
How Businesses Can Benefit from Payment Data Analytics
The Role of Partnerships in the Payment Ecosystem
Understanding the Cost Structure of Payment Services
The Future of Payment Economics: Trends and Predictions
The Impact of Emerging Technologies on Payment Business Models
How Payment Innovations Can Drive Business Growth

About Mike Fowler

Mike Fowler is a payments and merchant acquiring veteran, senior leader & growth strategist for some of Australia's best known brands. Technical Transaction Specialist, Corporate & Institutional at National Australia Bank (NAB). Formerly at Afterpay as Director, Merchant Services APAC. With a long career in eCommerce retail as General Manager and founder of the growth team at Mosaic Brands (Noni B Group) developing and launching 9 iconic multi-category online marketplaces, including: Noni B, Rockmans, Millers, and Rivers. Member of the Australia Post Customer Advisory Group with more than 15 years experience in helping retailers leverage eCommerce, CX, payments, & logistics opportunities to maximise growth.