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Fintech Solutions for SMEs: Unlocking Growth Potential

Fintech Review

Small and medium enterprises (SMEs) are the backbone of emerging economies. In many regions, they create jobs, drive innovation, and stimulate local economies. Tala assesses creditworthiness through smartphone data, while Kiva uses peer-to-peer lending to connect small businesses with global investors.

FinTech 105
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Can a Large Merchants Negotiate Lower Payment Processing Rates?

Clearly Payments

Assessment fees: These go to the card networks like Visa and Mastercard. The first three fees interchange and assessments and acquirer are generally fixed by the card networks and banks. Economies of scale : The cost of servicing a high-volume merchant is often lower on a per-transaction basis.

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Affirm’s Flexible and Transparent Pay-Over-Time Options Now Available in the UK

Fintech Finance

Affirm underwrites every individual transaction before making a real-time credit decision and only approves consumers following an assessment that evidences their ability to repay. Their substantial investment will not only help create tech-savvy jobs but underscores their confidence in the UK economy.

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Is 2025 Finally the Year for Open Finance in Southeast Asia?

Fintech News

Regional integration is playing a key role, with governments accelerating their efforts to enhance cross-border commerce and digital economy participation. Artificial intelligence (AI) is also gaining traction, particularly for risk assessment and operational efficiency.

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Evolving money laundering risks for EMIs: Insights from the upcoming NRA

The Payments Association

The UK government’s 2025 National Risk Assessment (NRA) , published this month, confirms that the risk classification for e-money institutions (EMIs) has been elevated for both money laundering (ML) and terrorist financing (TF). This marks a significant shift from the 2020 assessment, in which EMIs were rated as “medium” risk.

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AI is reshaping payments: Smarter, faster, more secure

The Payments Association

As the digital economy continues to grow, so does the need for quick, seamless, and secure payments. AI systems can instantly assess whether a transaction seems legitimate, spotting issues before they even reach a human reviewer. But traditional systems often struggle to keep upthey’re slow, clunky, and increasingly vulnerable.

AI 88
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Can Agentic AI in Fintech Transform Financial Services Through Autonomous Intelligence?

Fintech News

It could enable self-optimising financial assistants, adaptive credit assessments, and proactive compliance monitoring, making financial services more intelligent, efficient, and inclusive. People no longer want to just be handed tools to manage their money.

AI 86