A Data-Driven Approach to Payment Policy in Hawaiʻi
We focus on evidence, real transaction data, and Hawaiʻi-specific economic conditions to ensure payment policy reflects the true costs faced by local businesses—especially in a visitor-driven economy.
National payment models often rely on incomplete assumptions that do not reflect Hawaiʻi’s geography, tourism volume, or business mix. Our policy work documents real-world payment costs, identifies structural distortions, and advances practical reforms grounded in data—not ideology or industry talking points.
Merchant-led. Evidence-based. Focused on outcomes.
A Data-Driven Approach to Payment Policy in Hawaiʻi
We focus on evidence, real transaction data, and Hawaiʻi-specific economic conditions to ensure payment policy reflects the true costs faced by local businesses—especially in a visitor-driven economy.
National payment models often rely on incomplete assumptions that do not reflect Hawaiʻi’s geography, tourism volume, or business mix. Our policy work documents real-world payment costs, identifies structural distortions, and advances practical reforms grounded in data—not ideology or industry talking points.
Merchant-led. Evidence-based. Focused on outcomes.
Policy Focus Areas
Policy Focus Areas
Our work spans several complementary policy initiatives, each addressing a distinct driver of excessive or opaque payment costs in Hawaiʻi.
Our work spans several complementary policy initiatives, each addressing a distinct driver of excessive or opaque payment costs in Hawaiʻi.
National payment-cost estimates systematically exclude visitor-driven transaction volume. In Hawaiʻi, this omission leads to materially understated merchant fees and distorted policy outcomes. This initiative documents the gap and proposes a more accurate, tourism-inclusive approach.
National payment-cost estimates systematically exclude visitor-driven transaction volume. In Hawaiʻi, this omission leads to materially understated merchant fees and distorted policy outcomes. This initiative documents the gap and proposes a more accurate, tourism-inclusive approach.
National payment-cost estimates systematically exclude visitor-driven transaction volume. In Hawaiʻi, this omission leads to materially understated merchant fees and distorted policy outcomes. This initiative documents the gap and proposes a more accurate, tourism-inclusive approach.
Hawaiʻi merchants face complex, opaque payment fees that are difficult to understand, compare, or challenge. This initiative promotes clear disclosure of effective payment costs so businesses, regulators, and policymakers can see where dollars are actually going—and where reform is needed.
Hawaiʻi merchants face complex, opaque payment fees that are difficult to understand, compare, or challenge. This initiative promotes clear disclosure of effective payment costs so businesses, regulators, and policymakers can see where dollars are actually going—and where reform is needed.
Hawaiʻi merchants face complex, opaque payment fees that are difficult to understand, compare, or challenge. This initiative promotes clear disclosure of effective payment costs so businesses, regulators, and policymakers can see where dollars are actually going—and where reform is needed.
We support practical, evidence-based payment policies that reduce unnecessary costs for Hawaiʻi merchants, improve transparency, and ensure modern payment systems work for small businesses in a visitor-driven economy.
We support practical, evidence-based payment policies that reduce unnecessary costs for Hawaiʻi merchants, improve transparency, and ensure modern payment systems work for small businesses in a visitor-driven economy.
We support practical, evidence-based payment policies that reduce unnecessary costs for Hawaiʻi merchants, improve transparency, and ensure modern payment systems work for small businesses in a visitor-driven economy.