William Friend

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  • Branch as a Destination: Community-Centric Retail Strategy and Experiential Banking

    Branch as a Destination: Community-Centric Retail Strategy and Experiential Banking

    How Umpqua Bank turned branches into community hubs — a case study in experiential banking and community-centric retail strategy.

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    William Friend

    October 21, 2025

    4 min read

  • Federal Reserve’s E-Manifest Standard for the U.S. Cash Supply Chain

    Federal Reserve’s E-Manifest Standard for the U.S. Cash Supply Chain

    Inside the Federal Reserve’s E-Manifest standard: modernizing the U.S. cash supply chain from paper manifests to digital tracking.

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    William Friend

    October 4, 2025

    4 min read

  • The Durbin Amendment: A Case Study in Regulatory Impact and Unintended Consequences

    The Durbin Amendment: A Case Study in Regulatory Impact and Unintended Consequences

    A practical analysis of the Durbin Amendment — its goals, its real effects on debit interchange, and its unintended consequences for banks and retailers.

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    William Friend

    October 4, 2025

    4 min read

  • Navigating the Transition: A Definitive Analysis of PCI PTS POI v5 and the Strategic Imperative of v6

    Navigating the Transition: A Definitive Analysis of PCI PTS POI v5 and the Strategic Imperative of v6

    A definitive analysis of PCI PTS POI v5 versus v6 — what changes, why it matters, and how ATM and payment-hardware operators should plan the transition.

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    William Friend

    September 12, 2025

    4 min read

  • Navigating the PCI PTS POI V5 deadline

    Navigating the PCI PTS POI V5 deadline

    The PCI PTS POI v5 deadline explained: what the shift to version 6 means for ATM operators and how to stay ahead of compliance.

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    William Friend

    September 12, 2025

    4 min read

  • Fiserv’s Strategic Acquisition of Cardfree

    Fiserv’s Strategic Acquisition of Cardfree

    Why Fiserv acquired Cardfree — what the digital-commerce platform built by the team behind the original Starbucks app means for banks and merchants.

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    William Friend

    September 6, 2025

    4 min read

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