BHMI Enterprise Software

06/15/2026

The payments landscape is evolving rapidly. Financial institutions and payment service providers are now managing a growing mix of card transactions, mobile wallets, and real-time payments, each with unique operational requirements, settlement timelines, and data complexities.

In her latest article for The Green Sheet Inc., Lynne Baldwin explores the challenges and opportunities of multi-channel payment processing and shares strategies for building a more unified, efficient payments operation.

The article also features valuable insights from Steven Hansen of FTI Consulting and Joyce Mehlman of iLEX Consulting Group, LLC on the importance of real-time visibility, automation, and operational excellence in today's payments ecosystem.

Key topics include:

✅ Managing timing mismatches across payment types
✅ Normalizing data for streamlined reconciliation
✅ Enhancing real-time visibility and liquidity management
✅ Leveraging automation and intelligent exception handling
✅ Modernizing legacy systems for continuous processing

As payment methods continue to diversify and real-time expectations become the norm, organizations that unify processes, improve visibility, and embrace modern technology will be best positioned to turn operational complexity into a competitive advantage.

Read the full article here: https://www.greensheet.com/emagazine.php?article_id=8213

As the payments ecosystem continues to evolve, financial institutions and payment service providers companies are no longer managing a single, predictable payment processing flow. Instead, they are orchestrating a complex mix of card transactions, mobile wallets and real-time payments that have thei...

06/10/2026

How much is your payments back office really costing your organization?

While the payments industry continues to invest heavily in customer-facing innovations, many banks and payment processors are still relying on aging back-office infrastructures that create hidden costs, operational inefficiencies, and unnecessary risk.

In her latest article published in FinTech - Financial Technology Insights™, Kate Knudsen, Senior Program Director at BHMI, explores how outdated payment back-office systems that perform functions such as reconciliation, settlement, fees assessment, and disputes management can quietly drain millions of dollars from an organization and what leaders can do to identify the warning signs.

The article also outlines key characteristics of modern payment back-office platforms and why now is the time to evaluate whether your infrastructure is prepared for the next generation of payments.

Read the full article:

https://financialtechnologyinsights.com/payments/payments-back-office-costing-millions/

Discover how outdated payments back-office systems create hidden costs through reconciliation delays, dispute management failures, and compliance risks.

05/27/2026

🎙️The latest episode of Pioneers in Payments is now live!

In this episode, Donna Blum sits down with payments industry veteran Audrey Blackmon to discuss the trends, challenges, and innovations shaping the future of payments.

With leadership experience spanning companies like First Data, Vantiv, Blackhawk Network, and Euronet, Audrey shares valuable insights on:

• Industry consolidation through mergers and acquisitions
• The rise of embedded payments and real-time payments
• Stablecoins and the evolving role of crypto
• How AI is helping combat fraud and improve operational efficiency
• The importance of mentorship, continuous learning, and embracing new technology

Audrey also discusses her passion for supporting the payments community through organizations like PayTech Women and the Southeast Acquirers Association.

👉 Watch the full episode here: https://youtu.be/DIYMiNP-Lfg

🎙️ Host: Donna Blum, BHMI 🎙️ Guest: Audrey Blackmon, EuronetIn this episode of Pioneers in Payments, Donna Blum sits down with industry veteran Audrey Blac...

05/22/2026

Please join us in welcoming BHMI’s 2026 Summer Student Interns!

We’re excited to have these talented students joining the team this summer:

Trenton Schmid
University of Nebraska Omaha (UNO)
BS in Electrical and Computer Engineering
Expected Graduation: May 2027

Heyat Seid
University of Nebraska Omaha (UNO)
BS in Computer Science & Artificial Intelligence
Expected Graduation: May 2028

At BHMI, student interns get the opportunity to gain real-world experience while working alongside experienced professionals on meaningful projects.

Welcome to the team Heyat and Trenton. We’re glad to have you with us!

Interested in learning more about BHMI’s Student Intern Program?
Visit: https://bhmi.com/student-internships/

05/20/2026

🎙️ New episode of Pioneers in Payments featuring Mark Schermann of Marvin Consulting!

In the latest episode of Pioneers in Payments, Donna Blum had the opportunity to sit down with payments industry veteran Mark Schermann of Marvin Consulting to discuss how organizations can prepare for the future of payments.

With leadership experience at Mastercard, Visa, Chase Paymentech, and Merrill Lynch, Mark shares insights on:

🔹 AI and agentic commerce
🔹 Modernizing legacy payment infrastructures
🔹 Least cost routing decisioning
🔹 Balancing innovation with operational stability
🔹 The importance of preserving payments expertise
🔹 Why risk management remains central to the payments business

They also discussed the critical role reconciliation plays in payments operations and how organizations can improve settlement accuracy, disputes management, fees, commissions, and overall operational efficiency with solutions like the Concourse Financial Software Suite.

A big thank you to Mark for sharing his experience and perspective on where the industry is headed.

🎧 Watch the full episode here:

🎙️ Host: Donna Blum, BHMI 🎙️ Guest: Mark Schermann, Marvin Consult...

05/14/2026

🎬 New Episodie of Pioneers in Payments - The Future of Real-Time & AI-Driven Payments

In the latest episode of Pioneers in Payments, our host Donna Blum sat down with Caroline Serejo Cypriano, Co-Founder and COO of JJ4Tech and 2026 Nacha 15 Under 40 honoree, to explore that question and much more.

Caroline brings a rare combination of legal expertise, regulatory leadership, and deep technical knowledge of real-time payments, including hands-on experience with Brazil's PIX system that she is now applying to FedNow adoption in the U.S.

A few highlights from the conversation:

👉 The shift to agentic commerce is already underway. AI-powered agents acting as autonomous transactors could represent a $3–5 trillion market by 2030. "Buy for Me" frameworks, identity defense, and always-on treasury are moving from concept to reality faster than most institutions are prepared for.

👉 Real-time rails are creating real commercial opportunity. FedNow and RTP growth is accelerating, and financial institutions that move now stand to increase customer retention, prevent deposit outflows, and unlock new revenue through cross-selling and enhanced user experience.

👉 But the challenge is real. Compliance, fraud prevention, and liquidity management must now operate in real time, placing significant pressure on legacy infrastructure not built for instant processing.

👉 And Caroline's single most important piece of advice? Treat transaction data as a product, not a by-product. The institutions that turn payment intelligence into predictive insight will be the ones that lead.

Worth a listen if you work in payments, fintech, or financial services.

🎧 https://youtu.be/mXOU3lcFoSQ

🎙️ Host: Donna Blum, BHMI 🎙️ Guest: Caroline Cypriano, Co-Founder & COO for JJ4TechIn this episode of Pioneers in Payments, Donna Blum sits down with Carol...

05/06/2026

Why Supporting Both ISO 8583 and ISO 20022 is Critical for Modern Payment Processing

As the payments landscape continues to evolve, financial institutions and payment service providers can no longer choose between legacy reliability and next generation innovation.

ISO 8583 continues to power a significant portion of global card-based transactions with proven speed and stability. At the same time, ISO 20022 is transforming the industry with richer data, improved transparency, and support for real-time and cross-border payments.

The reality is that both standards must coexist. Organizations that can seamlessly support both gain a clear advantage by reducing complexity, improving data capabilities, ensuring compliance, and preparing for future growth.

The Concourse Financial Software Suite is designed to do exactly that by unifying ISO 8583 and ISO 20022 within a single payments back-office platform to help payment processors modernize without disruption.

📄 Learn more about how Concourse supports both standards:
https://bhmi.com/wp-content/uploads/2026/04/Concourse-Support-for-ISO-8583-and-ISO-20022.pdf

04/29/2026

Host Donna Blum sits down with payments veteran Bryan Penny (He/Him). From innovation to industry challenges, this episode is packed with insights from someone who’s helped shape payments for decades and continues to influence its future.

💡 Bryan shares:

• Why agentic AI is set to transform commerce
• The urgent need for smarter network rules and regulation
• How businesses can win by truly understanding customer needs
• Why today’s payments landscape feels like the “wild, wild west”
• A simple but powerful principle: delight your customers

🎧 Watch now: https://youtu.be/j7wavC265Cw

04/27/2026

Thank you to everyone who joined us for BHMI's 40th Anniversary Celebration and helped make the event so special.

We’re still reflecting on what a memorable evening it was and how meaningful it was to share such an important milestone with our colleagues, clients, and friends.

We invite you to watch this short video featuring highlights from the event:

BHMI's 40 Year Anniversary Celebration

04/21/2026

The countdown to the The Payments Canada SUMMIT is on!

We’re sending a top-tier crew from BHMI including our President, Lynne Baldwin, and we would welcome the opportunity to connect with you and/or members of your company that will be attending.

BHMI is a fintech software provider specializing in modernizing back-office platforms for organizations with complex, high-volume payment processing ecosystems.

BHMI has a particular strength in the Canadian market.

If you would like to meet with our team, please e-mail Donna Blum at [email protected].