In this fascinating episode, we sit down with Izabela (Iza) Komuda, project coordinator at Elavon, to unpack the hidden complexity behind the systems that make modern retail payments so fast, secure, and invisible to the everyday shopper.
From the cutting edge of AI, biometrics, and transaction risk analysis to the evolving world of fraud prevention and compliance, Iza reveals what really happens behind the scenes when retailers modernise their payment infrastructure, and why the best partnerships are built on transparency, trust, and ongoing collaboration.
She offers a rare insider view into where the most exciting innovation is happening across the payments chain today, the technical realities of implementing advanced tools like Transaction Risk Analysis (TRA), and the gaps that still persist even among Europe’s largest retailers. Iza also breaks down the impact of emerging payment methods like account-to-account transfers, digital wallets, and even crypto, explaining how they’re reshaping both opportunity and risk in retail.
Perhaps most importantly, she makes a powerful call for open communication between retailers and their payments partners:
“Provide your payments provider with feedback. Be connected with us and tell us what you like and what you don’t like. Let us know what you think and keep that feedback going because we can work with that. The teams that support our customers, they’re great resources who are there to support that feedback loop.” — Izabela Komuda, Elavon
Whether you’re a retail leader rethinking your payment strategy, or simply curious about how technology is redefining the checkout experience, this episode is packed with practical insights, strategic takeaways, and a clear message, the future of payments is about partnership as much as it is about technology.