M2P Fintech

APRIL 4, 2025

Traditional working capital loans from banks often fall short in addressing these specific needs, leading to cash flow issues and hindered growth. This blog explores the challenges in supply chain financing and how M2Ps Credit Stack is addressing them to empower businesses. What is Supply Chain Financing?

Finance 52

Finance Payment APIs and Integration Credit Cards Risk 52

Fintech Weekly

JULY 10, 2025

The first steps are to identify business goals, assess how advanced technologies can help to meet and maintain them, and base ROI metrics around them. Tools that help to assess business banking digital maturity levels are available to assist this necessary baseline level of evaluation.

Technology 78

Technology Innovation Online and Mobile Banking Blockchain 78

The Fintech Times

JUNE 30, 2025

AI, automation, and embedded insurance are just some of the technologies driving change in everything from underwriting and claims to customer engagement, leading many industry firms and leaders to rethink their approach. The more sustainable approach combines fair pricing with an exceptional customer experience that exceeds expectations.

Payment APIs and Integration 80

Payment APIs and Integration AI Underwriting Treasury 80

Payments Dive

JULY 11, 2025

The Department of Housing and Urban Development issued a request for public comment late last month on BNPL loans, posing nearly two dozen questions about the industry, BNPL customers and metrics assessing a borrower’s overall financial situation. “As Sign up A valid email address is required. You can unsubscribe at anytime.

BNPL 78

BNPL Risk FedNow Privacy 78

The Fintech Times

JUNE 19, 2025

AI, automation, and embedded insurance are just some of the technologies driving change in everything from underwriting and claims to customer engagement, leading many industry firms and leaders to rethink their approach. In claims, AI is accelerating resolution by automating triage – assessing who, what, when, and even recommending outcomes.

AI 51

AI Risk Consulting Underwriting 51

The Fintech Times

JULY 21, 2025

Led by Tanmay Gore , director of Intersys India, the Mumbai-based office is addressing a key challenge in the market: the difficulty of assessing and pricing cyber risk for organisations that often lack dedicated IT security resources.

Risk Assessment 45

Risk Assessment Cybersecurity Assessments Risk Mitigation 45

Fintech News

JUNE 12, 2024

Appian, a software company that automates business processes, and Swiss Re have expanded their partnership to streamline the life insurance underwriting process and enhance the productivity of underwriters. The workbench addresses this by offering a single login system, enabling underwriters to manage their tasks more efficiently.

Underwriting 78

Underwriting AI Automation APACS 78

EBizCharge

NOVEMBER 12, 2024

Merchant underwriting is an essential component of the payment processing industry, ensuring the safety and security of electronic payments. This article will explore the mechanics of merchant underwriting, from the essential steps involved in the process to the factors influencing it. What is merchant underwriting?

Underwriting 52

Underwriting ISOs Risk Assessment Assessments 52

PYMNTS

MARCH 10, 2020

Inaccurate and slow credit risk assessment for [small- to medium-sized business (SMB)] commercial loan requests is one of the major reasons that over 50 [percent] of loans are currently declined by financial institutions (FIs),” said Roger Vincent, chief innovation officer at Trade Ledger.

Risk Assessment 52

Risk Assessment Assessments Risk Underwriting 52

PYMNTS

APRIL 24, 2020

These circumstances have brought to the fore what has long been a central concern for lenders: assessing and managing credit risk. percent employ it for credit underwriting. percent reported using AI for underwriting and risk assessment purposes. Among banks that use AI, 92.9 percent do so in payment services, and 71.4

Credit Risk 100

Credit Risk Risk Underwriting AI 100

The Fintech Times

MARCH 26, 2024

As insurers strive to meet the evolving needs of a digitally-savvy customer base while addressing the persistent challenge of financial inclusion, they are increasingly turning to fintech solutions. “Data can support efforts to assess flood risk more accurately, especially as the risk itself continues to evolve.

Underserved 115

Underserved FinTech Financial Inclusion Risk 115

Fintech Review

JUNE 12, 2024

We explore the innovations in personalised insurance products, the role of IoT devices in data collection and risk assessment, and the challenges faced by established insurance companies integrating new technologies. Enhanced Risk Assessment IoT data provides insurers with a more accurate understanding of risk profiles.

Risk Assessment 96

Risk Assessment Regulatory Compliance Assessments Risk Management 96

PYMNTS

JANUARY 25, 2019

Equipment finance company CapX Partners has announced an integration of Moody’s Analytics technology to strengthen its underwriting and risk mitigation capabilities. CapX noted that Moody’s Analytics’ tool addresses the pain point of lack of access to historical data on small businesses seeking financing. .”

Underwriting 43

Underwriting Small Business Risk Mitigation Underserved 43

Fintech News

AUGUST 12, 2024

Technology firm Microsoft is working with Axis Bank and Aditya Birla Capital, among others, to deploy processes using genAI to transform contact centers, boost sales and overhaul claims and underwriting processes. The book size of digital lenders in India is projected to grow from US$38.2

Embedded Finance 116

Embedded Finance FinTech Non-Bank Cross-Border 116

PYMNTS

OCTOBER 21, 2019

Providing consumers with sufficient supports can address these potential obstacles and speed up loan underwriting timelines, benefiting both borrowers and lenders. Consumers must give approval to have these details sent, which helps lending FIs quickly assess potential borrowers and determine whether to offer loans.

Underwriting 41

Underwriting Consumer Due Diligence Assessments 41

CB Insights

NOVEMBER 3, 2022

While insurtech funding has remained relatively flat quarter-over-quarter in 2022, insurers are still actively engaging with startups to improve their businesses — including addressing climate-related risks. . Underwriting and claims automation. download the State of Fintech Q3 ’22 Report.

Underwriting 95

Underwriting Risk Management Risk Product 95

PYMNTS

JULY 3, 2018

But SMB loan underwriting at traditional FIs has, for the most part, remained unchanged, even as alternative lenders began exploring the role of alternative data in the risk mitigation process. “Lenders’ primary goal is to assess a consumer’s stability, ability and willingness to pay.

Underwriting 40

Underwriting Small Business Assessments Third-Party Service Provider 40

PYMNTS

OCTOBER 7, 2016

He offered the example of banks using analysis of financial statements to assess risk in the loan origination process. “This disconnect of all the different teams involved in the underwriting process is not just with the physical handoffs, but it also includes the data and analytics separations as well,” he stated.

Origination 78

Origination Underwriting Third-Party Service Provider Risk Mitigation 78

Nanonets

DECEMBER 13, 2023

A survey by Accenture on underwriting employees found that up to 40% of underwriters’ time is spent on non-core and administrative activities. Real-time reporting enables insurers to address compliance concerns promptly, minimizing the impact on operations.

Process 102

Process AI Fraud Detection Compliance 102

PYMNTS

NOVEMBER 18, 2019

Faster payment services could help such consumers get much-needed funds, as long as lenders can access equally fast underwriting tools. Underwriting tools boost the confidence of both borrowers and lenders, and help the latter more seamlessly access reliable bank data that supersedes credit scores.

Underwriting 41

Underwriting Federal Reserve Payments Faster Payments 41

The Fintech Times

JULY 31, 2024

As natural catastrophes, including wildfires and convective storms, become more frequent and severe, insurers are looking for new ways to accurately predict and proactively address the growing threat of climate risk. Recognising this, ZestyAI provides property-specific data to help insurers determine the true risk for each property.

Risk 59

Risk AI Risk Assessment Assessments 59

The Fintech Times

OCTOBER 2, 2024

As the financial partner, Wio Bank utilises proactive decision-making insights from the platform to assess the performance and financial health of businesses, enabling accurate and timely lending decisions. This approach allows businesses to access finance that fits their needs while supporting their long-term growth.

Embedded Finance 72

Embedded Finance Finance Point-of-Sale (POS) Underwriting 72

Stax

AUGUST 22, 2024

PayFacs handle risk assessment, underwriting, settling of funds, compliance, and chargebacks which exposes them to greater potential risks. Understanding, addressing, and managing them is crucial for maintaining business operations while ensuring safe payment processing for clients. The due diligence doesn’t stop at onboarding.

Risk Management 88

Risk Management Risk Regulatory Compliance Due Diligence 88

The Fintech Times

MARCH 12, 2024

As the world grapples with the increasingly urgent need to address climate change, industries across the board are being called upon to play their part in mitigating its effects. It allows insurance providers and their customers to assess the risks of today and help prepare them for those of the future.”

Mitigation 72

Mitigation Risk Underwriting Risk Assessment 72

PYMNTS

JULY 1, 2019

PayNet announced Thursday (June 27) in a press release that it is rolling out its PayNet Financial Statement Report (FSR), a solution for lenders to automatically generate a report of financial data from small business loan applicants to more efficiently assess creditworthiness.

Automation 55

Automation Underwriting Small Business Encryption 55

PYMNTS

APRIL 3, 2019

The cyber insurance market is an emerging sector, Sayata Labs CEO and Co-Founder Asaf Lifshitz explained in a recent interview with PYMNTS, and insurance providers are facing some tough hurdles in underwriting and risk mitigation. Technology, Partnerships Address the Gaps. Rapid Expansion. ”

Small Business 63

Small Business Underwriting Risk Cybersecurity 63

Fintech Labs Insights

OCTOBER 13, 2015

In the agreement, both companies will leverage the other’s unique security layer to combine email risk assessment with fraud scoring. Emailage, which debuted at FinovateSpring 2015 , offers a tool that assesses the risk associated with an email address. Feedzai made its European debut at FinovateEurope 2014.

Risk Assessment 26

Risk Assessment Assessments Risk Fraud Prevention 26

The Fintech Times

MARCH 29, 2024

From enhancing risk assessment accuracy to personalising products and services, insurers are leveraging data analytics to optimise decision-making processes, mitigate risks and cater to evolving consumer needs. “At Cowbell, we are actively assessing the cyber risk posture of over 39 million businesses in the US and the UK.

Risk Assessment 59

Risk Assessment Underwriting Assessments Risk 59

PYMNTS

FEBRUARY 27, 2020

But as Mehrotra explained, by wielding the data Grab culls from its network of delivery drivers, micro-merchants and payment services, GrabFinance is able to address a vastly diverse range of business borrower needs across the region in ways that many traditional financial institutions (FIs) cannot. Understanding Borrower Diversity.

Small Business 72

Small Business Assessments Finance Value Added Service 72

Stax

JANUARY 8, 2024

Several US legislations (like the Patriot Act, anti money laundering laws , or FinCEN regulations) require PayFacs to know the identities of the business owner(s) they plan to facilitate payments for, during the underwriting stage. This requires sound underwriting policies and procedures. This means PayFacs always need to be vigilant.

Risk Management 88

Risk Management Risk Money Laundering Procedures 88

Stax

DECEMBER 27, 2023

Setting up a merchant account involves choosing the right merchant account provider for your needs, identifying your type of business, submitting an application, and undergoing an underwriting process to assess risk. Providing details such as contact information, business address, and website address.

Accounts 88

Accounts Online and Mobile Banking Payment Gateways PCI DSS 88

FICO

MAY 7, 2018

It’s also a challenge that FICO is in a unique position to address and at scale. Focusing on this population doesn’t really address the financial inclusion issue and can distort the promise of extending credit to those seeking it. With an estimated 2 billion unbanked consumers globally and another 1.3 With FICO® Score XD in the U.S.,

Financial Inclusion 77

Financial Inclusion Innovation Credit Risk Underserved 77

Nanonets

SEPTEMBER 27, 2024

According to a recent study by Datos Insights , the insurance industry lags in terms of digitisation, with only 20% automation in underwriting and less than 3% automation in claims processing across sectors. Underwriting and claims processing are two key insurance processes that are still handled manually.

Process 52

Process Underwriting Automation Database 52

FICO

JULY 31, 2019

As TPRM or third-party risk management grows in importance, so does cybersecurity risk assessment as part of it. The latest Assessment of Business Cyber Risk (ABC) report from the US Chamber of Commerce and FICO discusses four steps for improving third-party cybersecurity risk management. if necessary? How is the supplier insured?

Risk 70

Risk Security Risk Assessment Risk Management 70

PYMNTS

MAY 29, 2018

And, Experian’s report notes, both consumers and lenders are getting increasingly interested in “those much more comprehensive profiles” becoming a standard part of the underwriting process. Lenders’ primary goal is to assess a consumer’s stability, ability and willingness to pay. Today, social media can’t address those needs.

Financial Inclusion 62

Financial Inclusion Underwriting Credit Cards Disputes 62

PYMNTS

JUNE 17, 2020

Having announced a partnership with Dun & Bradstreet , Velotrade is expanding the pool of data from which it draws to underwrite financing. But, as Pizzituti noted, this “is not the only metric that should be taken into account” along the underwriting process.

Finance 68

Finance Mitigation B2B Underwriting 68

The Fintech Times

DECEMBER 6, 2023

That leaves headroom in market areas that were dominated by mainstream players but are now becoming more niche, and niche is where we can find value and combine our underwriting with vibrant new services and tech layers. Hallucinations are an area that will be addressed first. Here’s to a prosperous and forward-thinking 2024!”

FinTech 69

FinTech AI Underwriting Assessments 69