APMs in Disguise: What New-Generation BINs Mean for Merchant Performance

A new generation of BINs is reshaping payment costs and performance: often without merchants knowing. Join CMSPI and Jonathon Lee to see how BNPL, neo-bank and agentic platforms blend into standard traffic. We’ll unpack the hidden impact on authorization rates, fraud, and fees, and reveal the data needed to regain control in this data-heavy session.