PartnerMatrix drives user engagement with two new deals August 13, 2020 Erik Nyman joins EveryMatrix as US lead August 6, 2020 Share Share StumbleUpon MoneyMatrix boosts wire transfer options by integrating Klarna’s Sofort August 24, 2020 Related Articles Submit Sandra Barton – MoneyMatrixThis March industry software and platform developer EveryMatrix, announced the launch of its new industry payment service MoneyMatrix, a payment and risk management system designed and developed for industry stakeholder needs.SBC speaks to MoneyMatrix’s main project lead Sandra Barton (CEO MoneyMatrix) on the development and launch of EveryMatrix’s new service and its ambitions in 2017…_________________SBC: Hi Sandra, great to interview you. Can you detail to SBC readers what an industry tailor-made payment service such as MoneyMatrix entails for clients and users? Sandra Barton: Hello, thank you for the opportunity to speak about MoneyMatrix. The concept behind MoneyMatrix is a simple one, we want to make payment processing simple, user-friendly and accessible to everyone. Payment processing is a critical part of any business strategy an operator needs to implement and there are many variables in deciding who to partner with for payment processing. A first consideration is whether to outsource or maintain in-house development and operations as there are pros and cons to each model, but MoneyMatrix was designed to remove the significant overhead, cost and improve speed to market versus an in-house solution.Our platform has been designed to support all types of merchants, whether a merchant is new to the industry and looking a fully managed service, or a merchant who doesn’t want to have to deal with multiple companies to achieve the payment portfolio they desire, or a merchant who does not want to have to support the technical or PCI Compliance overhead within their business – we can help in each case. MoneyMatrix has partnered with a multitude of payment, fraud and KYC vendors and is in the position to offer operators a single contract and a single integration solution to access all content, which will massively reduce any operators overhead and accelerate the speed to market time of any operator on our platform.Our platform already has over 100 solutions covering international markets available for clients to choose from. Gambling being quite a specialized market, localization is the key to success in market entry and that is particularly relevant for payment processing. The more localized solutions an operator can offer, the greater their likelihood of success within that market. Customers like to use solutions they are familiar with and which they trust. Our MoneyMatrix product can provide that localized content, as well as traditional card processing, to our clients from our growing portfolio of solutions with a development team purely focused on this task.We also understand that being a cash-based business, fraud management is paramount and therefore we have integrated fraud systems with AI capability to help merchants mitigate risks whilst minimizing the impact on genuine customers with unnecessary manual reviews, which also requires teams of analysts, another business cost. Knowing Your Customer is becoming a mandatory requirement in many jurisdictions and we see this becoming standard for the industry, so we also incorporated electronic KYC into our platform which can be controlled via our rules engine to ensure merchants can comply with any regulatory and/or 4th Directive AML requirements. We will continue to integrate best of breed technologies in our platform to ensure our clients have a multitude of options catering to their needs.As well as the points mentioned above there are many other features which make MoneyMatrix a holistic platform, ideally tailored for the gambling sector. We want to have a partnership with our merchants and our business objective is to help clients achieve their objectives by providing the right content and information to grow their business operations.SBC: As project lead, can you detail the development of MoneyMatrix, from its initial conception through to its planning and testing than onto its product launch? SB: Well, I joined MoneyMatrix just over 2 years ago and EveryMatrix already had a payment processing solution within its existing platform which they wished to retire and build a complete new business based on payment processing. I had been working in the gambling sector for quite some time at that point and had quite a few ideas on what kind of system I would want if I were a Payments Manager. I had many years working with a number of different systems and applications during my career and each had its pros and cons, so I thought about all of the features I would like to have, and how they would work or could be utilized by various people involved in the day to day management of payment processing, from which I created a list of key features the system should have. Once I had my key features list, I set about creating the user stories for the various components which would make up each feature I felt the system should encompass. We hired our development team and started with a proof of concept to ensure the approach and technologies that would support our objectives. We chose a few key features to develop and a couple of vendors to integrate, and within 6 months we had our prototype. Obviously very rudimentary, but it was a working system. We then started developing in earnest and building our new back office applications to plan our roadmap for the next 18 months. We started with our card processing, tokenisation and storage vault first as we wanted to have those PCI Certified, and I am pleased to say we passed our first audit with flying colors. Concurrent to building the back-office applications, we were also integrating all the existing vendors from the old system, as well as integrating some new ones. We did our first production deployment mid-2016, which then allowed us to test our processing capability with our test merchant and from there we have continued to develop the offering to subsequently launch MoneyMatrix officially at ICE 2017. I have lots of ideas, so our roadmap for feature development is quite long, which I see as a positive but I am also looking forward to the feedback of our clients so we can improve the product even more.SBC: Assessing current industry payment services, where are they lacking in terms of servicing client operations and processes? SB: For me, I think it is important to work in partnership with our clients, to understand their businesses, their aspirations and what is important to them in terms of payment processing. I think it’s important to deliver the tools they need to manage their businesses cost efficiently and effectively and to provide in-depth reporting and analysis to assist them in growing their business operations and share with them opportunities to develop even further. I would like to help clients optimize their processing and increase their sales opportunities. For me, this is what is currently lacking from the payment service industry. Some partners do provide some assistance with performance analysis, benchmarking and optimization opportunities, but it is sketchy at best. The emphasis is on selling the solution, not whether that solution is the right fit for your business model – the industry can definitely improve in this area. Also, the industry is not interested in helping clients optimize their payment roadmaps – each individual company is selling a product which requires separate negotiations, integrations, maintenance etc. With MoneyMatrix, we have turned this approach on its head – we take care of all of that for our clients, and they only need to interface with one provider – MoneyMatrix – to meet all their needs.We want MoneyMatrix to be different, we want to make payment processing simple and straightforward. We intend to use our knowledge, tools and expertise to support our partners and give them the information they need to be able to make data driven decisions to push their businesses forward.SBC: Should payment processing be handled by industry platform providers who service key functions such as system capabilities, player reporting, CRM functionalities etc…? SB: Well, this is a business decision for operators, but of course MoneyMatrix has been built with all the functionality we know operators will want and more; plus, we have a host of new features coming soon. I think it’s important for operators to evaluate their business needs and look at all options before deciding either way. As I said at the beginning of the interview there are always pros and cons to both approaches and operators should be fully conversant with their current and future business needs to make the right decision for their businesses. In-house solutions require a significant investment in terms of people, technology, PCI Compliance, and experience in managing payments and fraud. The payment processing universe is so diverse that it’s easy for an operator to think: ‘I’ll just integrate a few solutions and get up and running’, but managing a payment portfolio is a lot more sophisticated than that and it requires investment in experienced staff who understand what they are looking at to quickly assess and respond to what’s going on. Experienced fraud and payment professionals are not cheap to employ for a good reason; it takes years to accumulate the wealth of knowledge to be able to run a solid fraud and payments team. Couple this with the development overhead, hardware/cloud services cost, annual PCI Audit costs, vendor account management, etc., coming to a provider such as MoneyMatrix makes a lot of sense. Even if you have an existing system or team, MoneyMatrix could still be integrated into your platform, and with our portfolio of solutions this could be an option to free up an operator’s valuable development resources which can then be re-deployed elsewhere within the business. With our ability to link key services such as fraud and KYC, an operator can increase the volume of automation thereby making significant savings in the number of resources they need to hire, another significant plus. There are lots of options for operators now, whereas in the past we had to do everything ourselves because there were no other solutions, now there are operators who can reap immediate benefits from solution providers like MoneyMatrix.SBC: Finally, following its initial launch, how do you see MoneyMatrix growing as an EveryMatrix service?SB: MoneyMatrix is not just an EveryMatrix service, we are a licensed regulated financial institution within our own right with the ability to provide payment processing to any merchant operating within the E-commerce space. This is an important point to make, because whilst we are proud of our association with EveryMatrix, we want operators to know that they do not have to be EveryMatrix customers in order to be a MoneyMatrix customer. That said, we have benefited from having EveryMatrix as a partner as it allows us to look closely at what is happening within the gaming space, the current challenges, and design our product and business units to target those pain points. I think we have a fantastic opportunity to create something unique and whilst our initial focus may be gambling, we know this product has value outside the sector and we can help merchants achieve online success without having the considerable burden of negotiating, developing or manually managing their payment processing. The gambling industry is ahead of the curve in understanding the benefits of localization, linking fraud and KYC at a transactional level, as well as utilizing customer preference to leverage sales conversions – MoneyMatrix can deliver this knowledge and expertise to all its partners.Ultimately, we need to ‘walk the walk’ not just ‘talk the talk’ but if we keep moving on the trajectory I am setting for this company, I have no doubts the sky is the limit for us. Our core objective is to make payments simple and we are on the right path to achieve this.____________________Sandra Barton – CEO MoneyMatrix Division – EveryMatrix
The Dodgers’ winning streak ended at three games. Justin Turner’s solo home run in the first inning, his 11th of the season, gave the Dodgers a 1-0 lead in the first inning.The Marlins needed only two hits – an infield single by Yelich (4 for 4) and a blooper into right field by Adeiny Hechavarria – to score twice in the bottom of the first.Yelich was awarded home plate when Ethier’s throw to third base skipped past Turner and into a photographer’s well. Kershaw failed to back up third base when he “kind of stopped … because I saw (the ball) on the ground.”Hechavarria was awarded third base on the play. He scored on a wild pitch charged to Kershaw — a slider in the dirt that got past catcher Yasmani Grandal.Marlins pitcher Tom Koehler (6-4) hit a line drive to Pederson with two outs in the second inning and a runner on third base. Pederson charged in, stopped, then leaped to make the catch, but the ball tipped off his glove and over his shoulder.“I just dropped it,” Pederson said. “I messed up and I lost the game for us.”J.T. Realmuto trotted in with the Marlins’ third run.Adrian Gonzalez drove in Howie Kendrick in the fourth inning on the single that landed just in front of Yelich’s glove.The final score could have been worse for the Dodgers.Miami put runners on first and third with none out in the sixth inning against Kershaw, on a double by Dee Gordon and a single by Yelich, but Kershaw came back to strike out the next three batters – one on a curveball, the next two on sliders.“I was able to get out of a jam,” Kershaw said, “especially giving up hits to lefties, coming back and facing the heart of their order. That felt good to get out of that for sure.”Kershaw also struck out the final batter he faced, pinch hitter Cole Gillespie, in the seventh inning with a runner on third.“I was a little bit all over the place with my fastball to start. I started throwing it where I wanted in the middle innings there,” he said.But the Dodgers’ bats went just as silent as the Marlins’ over the final innings. The finale of the three-game series is Sunday. The Dodgers are 3-3 to begin a 9-game road trip. They had already discovered a new way to win, beating back-to-back left-handed starters Friday and Saturday for the first time this season.Saturday, they found a new way to lose. For one thing, the Dodgers hadn’t made an error in 13 consecutive games prior to Saturday. That’s a franchise record.For another, the spacious outfield of Marlins Park is largely foreign territory to the Dodgers, who don’t visit Miami often. Kiké Hernandez, who played for the Marlins last year and started in left field for the Dodgers on Saturday, said the challenge goes beyond the outfield’s spacious dimensions and unusual shape.“The lights are really low here in the corners,” Hernandez said. “Low line drives can be a problem. … Dee (Gordon) hit the first line drive to me. The ball was in the lights for two or three seconds; luckily it got up.”Yelich wasn’t so lucky. Come to think of it, any day the lights are on might be a bad day to be an outfielder at Marlins Park.The biggest victim: Dodgers starter Clayton Kershaw (5-6), who allowed three runs – one earned – in seven innings. The left-hander did not walk a batter and struck out nine, yet still lost. MIAMI >> Saturday was not a good day to be an outfielder at Marlins Park.Dodgers right fielder Andre Ethier threw a ball into a photographer’s well. Joc Pederson charged a line drive hit straight at him in center field and the ball tipped off his glove. Miami Marlins left fielder Christian Yelich charged a line drive, stopped, then trapped it in his glove short of a clean catch.All three misplays led to runs in the Dodgers’ 3-2 loss to the Marlins. They stood out for a few reasons. Newsroom GuidelinesNews TipsContact UsReport an Error
“We’re going to try to win every game. It may come down to a close game and Byron looks down the bench and sees a couple of veterans down the bench and he’s going to say, ‘I want to win.’ He may take out a couple young guys and put the veterans in. That will be completely his call,” Kupchak said. “It’s a balancing act that coach will have to get comfortable with. There may be times throughout the year where it’s a learning experience. Byron may say, ‘He is better there because he’s been in the league for 10 years. But this is a learning moment. Let me go with this kid.’”Part of the future?A blank slate awaits Hibbert as he eagerly tries to forget about last season’s nightmare.Hibbert, a former two-time NBA All-Star, quickly became trade bait amid the Indiana Pacers’ quest to go smaller and faster. So much that the Pacers traded Hibbert to the Lakers last July for only a second-round pick, a move that cleared Hibbert’s $15.5 million salary.“If Roy has a good to great year, and we can bring him back at 28 years old, I don’t know why he can’t be part of that core,” Kupchak said. “As far as how many points is he going to score and is he going to make the All-Star team, I don’t know. But the pieces to the package are there for him to have a very effective season.” For a franchise that usually evaluates itself on wins and losses, Lakers general manager Mitch Kupchak has shifted his expectations.Though Lakers coach Byron Scott oversaw the team going 21-61 last season in what marked the franchise’s worst record in its 67-year-old history, Kupchak has not wavered in his support for Scott. Kupchak remained mindful of the Lakers missing an NBA-record 324 games because of injuries and a roster filled with unproven talent. “He has more to work with this year,” Kupchak said of Scott. “I would think he would agree to that. So I’m hoping he’s rewarded with more W’s. I don’t expect him to conduct training camp any differently than he did last year.”That will begin Tuesday in Honolulu. The Lakers’ nine-day camps will include seven days of practices and two exhibitions. Scott has developed a strong reputation for running conditioning-heavy practices in training camp, the latest one including three two-a-day sessions. • HEISLER: Media Day optimism as good as it gets for LakersThat partly explains Kupchak’s support for Scott, who has three years remaining on his contract. Kupchak praised Scott for the steady flow of Lakers players visiting the practice facility this summer for workouts. Even amid the losses, Kupchak also argued Scott improved the team’s culture.“Under really tough circumstances, I thought he kept the group together,” Kupchak said of Scott. “They played hard every game and every practice was organized. He was always upbeat. I never sensed a down moment. When he went home at night, it had to hurt. But I thought he did a great job.”How will the Lakers evaluate Scott’s performance in his second season?Kupchak sounded intrigued how Scott relies on the Lakers’ veterans (Kobe Bryant, Roy Hibbert, Brandon Bass, Lou Williams) and young players (D’Angelo Russell, Julius Randle, Jordan Clarkson). Newsroom GuidelinesNews TipsContact UsReport an Error
Ramos record. As the leader of the new project, he stands again Sergio Ramos, who did it all. He committed a arguable penalty in which the rival striker jumped and when he fell he did it in bad posture. You have for three months. Marked for the next move finishing off a scorpion-style corner from the balcony of the area, twelve times he demanded that the Germans get up and stop telling stories, he kicked a crossbar foul, scored another one with a Panenka penalty, but heeled, he got a tattoo in the middle, he dedicated the goal looking at the master camera and ended up unfairly expelled. Great match.Koeman and Setién. Sunday awaits the Holland Koeman, who played against U.S. In the stands could see Bartomeu, fourteen executives, Abidal, Ramon Planes, Mirotic, six executives André Cury and even Minguella, who accompanied Rexach. The culé delegation was such that instead of the box, it occupied the fund destined for the rival fans. On leaving they denied that they were going to make a proposal to Ronald and confirmed Setien in office for the next academic year.Bale gives it his all. Tomorrow in Cardiff plays Wales-Austria. Gareth Bale did a double session training with your selection, the first with the group and the second solo while the rest of the team played a solidary golf tournament to which he did not want to go. His commitment is total. The first came to training camp and did not leave until the showers were scrubbed. He even personally took it upon himself to turn off the locker room light.. The Empire Strikes Back. This is already something else. Again, the Selection goes up in the stakes facing the Eurocup and it gives all over the nose to those who thought that the magnificent management of the last years in the RFEF was the result of improvisation. The meditative relays from Lopetegui by Iron, this one by Luis Enrique, the Asturian’s obliged to Robert Moreno and the Peaceful squaring of the circle with Lucho’s return was nothing more than a deeply thought-out strategy from the start by Luis Rubiales to mislead the adversary. The overwhelming victory in yesterday’s friendly against Germany clears any doubts. Spain is already excited. Rubiales, at the end of the game, limited himself to declare restraintly: “Thebes, what’s wrong?”The usual. In the RFEF they do not trust despite the triumph. They fear that the usual skeptics will come out, who will say that Spain is back to business as usual: lfor the better in the friendlies to cheat her in the quarterfinals. But this time there was no reason to panic. Luis Enrique’s final list for the Eurocup will not be discussed, the concentration will take place, as usual, in the most pleasant of truces between the media, the headquarters of the headquarters will like even Maroto And if it is lost then it will be by the referees, who are worse than outside, because they do not know how to use the VAR and because, basically, they have a hobby for us.