The Payment Parallel
Join Proof CEO Pat Kinsel and author David Stearns to explore the evolution of the payments industry—from paper checks to Tap to Pay. Discover the challenges, lessons, and parallels shaping the future of identity. Visit proof.com/the-payment-parallel to learn more! © 2025 Notarize, Inc. d/b/a Proof.com. Unauthorized reproduction or distribution is prohibited.
Episodes
In the final episode of "The Payment Parallel," Proof CEO Pat Kinsel interviews author David Stearns about how consumer protections helped rewrite the history of the payments industry.
David explores the societal and policy challenges that faced the payments industry in the late 60s and early 70s and how the industry went on to change how banks and consumers respond to fraud. Together, he and Pat discuss how modern payment networ...
In Episode Three of "The Payment Parallel," Proof CEO Pat Kinsel sits down with author David Stearns to discuss the technology that truly accelerated the growth of the payments industry: the underlying network!
Connecting merchants to issuing banks, David explores how payments evolved from paper-based authorizations to today’s fully automated flows. Together, he and Pat discuss the power of networks and data sharing and look at w...
In Episode Two of "The Payment Parallel," Proof CEO Pat Kinsel sits down with author David Stearns to discuss the foundation of a payment network: the credential.
From the Diner’s Club card in the 1950s to today's Tap to Pay, David explores the history of the payments industry and how it solved the multi-sided market dilemma between merchants and cardholders. Together, he and Pat draw parallels between today’s identity verification...
In this episode of "The Payment Parallel," Proof CEO Pat Kinsel sits down with author David Stearns to discuss the outdated and cumbersome process of identity verification—and what the identity industry can learn from the evolution of digital payments.
David shares his experience navigating manual, paper-based notarization and highlights the security risks that come with it. Together, he and Pat draw parallels between identity veri...
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