‍The Payment Parallel

Episode Four: Keeping Participants Safe: Consumer Protections in Payment Networks

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 networks established trust at a global scale and what lessons can be learned for the future of identity online.
 
Check out Episode 4 of The Payment Parallel Podcast and download the full Payment Parallel eBook for free at proof.com/the-payment-parallel.
 
© 2025 Notarize, Inc. d/b/a Proof.com. Unauthorized reproduction or distribution is prohibited.

Episode Three: Authenticating & Authorizing Transactions: Securing Identity Like Payments

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 what’s similar for today’s identity industry.
 
Check out Episode 3 of The Payment Parallel Podcast and download the full Payment Parallel eBook for free at proof.com/the-payment-parallel.
 
© 2025 Notarize, Inc. d/b/a Proof.com. Unauthorized reproduction or distribution is prohibited.

Episode Two: Issuing Credentials: The Foundation of Payment Networks

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 industry and the similar challenges it faces when issuing credentials.
Could the same strategies used in payments to bootstrap adoption offer a blueprint for the identity industry? Check out Episode 2 of The Payment Parallel Podcast!
Download the full Payment Parallel eBook for free at proof.com/the-payment-parallel.
 
© 2025 Notarize, Inc. d/b/a Proof.com. Unauthorized reproduction or distribution is prohibited.

Episode One: Lessons from Payments: What Can the Identity Industry Learn?

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 verification today and how payments were processed before electronic cards revolutionized transactions.
Could the same innovations that made payments seamless and secure offer a blueprint for restoring trust online? Check out Episode 1 of The Payment Parallel Podcast!
Download the full Payment Parallel eBook for free at proof.com/the-payment-parallel.
 
© 2025 Notarize, Inc. d/b/a Proof.com. Unauthorized reproduction or distribution is prohibited.