The Fintech Times

MARCH 12, 2025

Through three separate partnerships, Mastercard appears to be enhancing its focus on the UAE and surrounding Middle East region, with plans to simplify access to finance , enhance payment processes and bolster financial literacy.

Visa 75

Visa Financial Literacy Small Business Payments 75

PYMNTS

SEPTEMBER 21, 2020

Decades ago, asset-based finance developed a nasty reputation. As a financing tool that requires business owners to place valuable assets — whether working capital or physical — up for collateral, asset-based financing (ABF) was often viewed as a solution to a dire problem when no other options were available.

Finance 102

Finance Underwriting Compromise Adjustments 102

The Payments Association

MAY 9, 2025

Often, talk around SME finance centres on access to loans. Common issues include: Standardised risk assessments that overlook innovative or early-stage firms. Alternative finance options and commercial credit data sharing initiatives can help modernise credit evaluation, but awareness among SMEs remains low. Representing 99.9%

Finance 88

Finance Cross-Border Payment APIs and Integration Real Time Payments 88

Finovate

DECEMBER 16, 2024

Capitalise, a business finance platform based in the U.K., has forged a strategic partnership with data and open finance network Plaid. based business finance platform Capitalise has announced a strategic collaboration with fellow Finovate alum Plaid. Capitalise made its Finovate debut at FinovateEurope 2016.

Small Business 59

Small Business Non-Bank Risk Assessment Finance 59

M2P Fintech

MARCH 24, 2025

This includes employing machine learning algorithms to automate parts of the loan application and underwriting process, as well as using digital platforms to facilitate communication between borrowers, lenders, and other relevant parties. “One-click” loans become reality through instant credit assessments.

Payment APIs and Integration 52

Payment APIs and Integration Blockchain Regulatory Compliance Compliance 52

PYMNTS

MARCH 10, 2020

The London business lending platform Trade Ledge r is joining forces with Wiserfunding to give lenders and alternative financing providers the ability to evaluate the creditworthiness of its commercial users, Trade Ledger announced Tuesday (March 10).

Risk Assessment 52

Risk Assessment Assessments Risk Underwriting 52

The Fintech Times

OCTOBER 2, 2024

In line with this, Magnati , the payments solutions provider in the Middle East has partnered with Wio Bank PJSC , the regional bank providing embedded finance solutions through its merchant financing platform. It will do so by providing fast access to financing using Magnati’s platform.

Embedded Finance 72

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

Fintech News

AUGUST 12, 2024

These trends include ecosystem banking, generative artificial intelligence (GenAI), and embedded finance, a new report by PwC India and ASSOCHAM says. For non-financial services businesses, embedded finance allows for enhanced customer loyalty, new revenue streams and improved customer experiences. billion by then.

Embedded Finance 113

Embedded Finance FinTech Non-Bank Cross-Border 113

PYMNTS

JUNE 17, 2020

As such, trade finance will be an important piece of the global recovery puzzle. Connecting B2B vendors to financing on their unpaid invoices can grant them the financial stability they need to keep trade flowing, but it comes with its own set of challenges — both for the vendor and financiers. With a trade finance gap as large as $1.5

Finance 68

Finance Mitigation B2B Underwriting 68

Lending Front

JUNE 15, 2021

But the reality is that–at the time–credit scores were simply the best thing an insurer could access in order to assess risk. Technology has evolved to provide real-time financial data to institutions, facilitating more accurate assessments of both creditworthiness and risk. There is a correlation , i.e,

Underwriting 52

Underwriting Small Business Federal Reserve Assessments 52

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

FICO

AUGUST 16, 2021

FICO Applauds FHFA Inclusion of Rental Data in Underwriting. Last week, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae will begin considering borrowers’ rental payment history in its risk assessment process. We share the assessment that the key to expanding access to credit is seeking alternative data.

Underwriting 52

Underwriting Risk Assessment Assessments Financial Inclusion 52

PYMNTS

NOVEMBER 2, 2020

Bloomberg is providing the data in the current global economic crisis to aid the markets with ready, accessible information that is timely and transparent for active credit assessments and predictive models to assess the volatility of the current market. They can also assess ongoing credit quality.

Credit Risk 85

Credit Risk Risk Risk Management Assessments 85

PYMNTS

AUGUST 28, 2017

the financing arm of the vehicle manufacturer, announced Friday (Aug. The machine learning study compared results from a Ford Credit scoring model with a machine learning model developed by ZestFinance using its underwriting platform to do deeper analysis of applicant data. ƒFord Motor Credit Co. Millennials offer the perfect example.

Credit Risk 41

Credit Risk Assessments Risk Underwriting 41

Fintech Review

APRIL 11, 2025

Over the years, weve covered a broad range of fintech topics from digital banking to decentralised finance , regtech , green fintech , and more. It represents a shift in mindset: finance as a service, not a place. They use alternative credit scoring methods and automated underwriting.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cross-Border 52

Fintech Finance

JULY 15, 2024

According to the British Business Bank, nearly half (48%) of all UK SMEs with employees sought external finance in 2023, demonstrating the high demand for solutions like Paycorp’s. The post Paycorp Expands Embedded Business Funding into UK appeared first on Fintech Finance.

ATM 105

ATM Credit Risk On-Demand Underwriting 105

Fintech News

SEPTEMBER 4, 2024

These companies, which represent countries such as Malaysia, the Philippines and South Korea, are tackling challenges in sectors such as lending, banking, and business finance, leveraging innovative business models and cutting-edge technologies to boost efficiency and enhance accessibility across the financial services industry.

FinTech 117

FinTech Cross-Border Payment APIs and Integration Credit Cards 117

Fintech Finance

FEBRUARY 24, 2025

By leveraging data sources across 220 countries & territories, the collaboration will provide region-specific solutions and access to business-relevant data along with documents and risk assessment models to help FIs onboard clients, vendors and dealers digitally and securely.

AML 59

AML Underwriting Security Verification 59

PYMNTS

APRIL 16, 2020

Plaid is unlocking payroll data to ease access to federal financing. Designed to streamline the SMB loan distribution cycle, the lending-as-a-service tool integrates compliance controls with customizable business controls, while Plaid is enabling data integrations across a range of sources to bolster lenders’ underwriting processes.

Finance 67

Finance Payment APIs and Integration Cross-Border Payments Cross-Border 67

Fintech Finance

SEPTEMBER 10, 2024

Klarna offers consumers a choice of ways to pay including immediate payments, short-term, interest-free BNPL and longer-term financing. Klarna underwrites every transaction based on strict eligibility assessments and boasts a 99% repayment rate globally. Globally, about 30% of the payments Klarna processes are immediate payment.

BNPL 97

BNPL Payment Networks Credit Cards APACS 97

FICO

DECEMBER 23, 2016

He proposed that both can be solved with clever, analytically driven credit assessments that use new sources of data. All three of these aspects can facilitate the operation and underwriting of credit.”. Understanding the consumer’s reliability, stability and attention to detail are key to effective credit assessment.

Finance 59

Finance Online and Mobile Banking Risk Management Assessments 59

PYMNTS

OCTOBER 7, 2016

Lending has become one of the largest benefactors of this trend, with alternative lenders once viewed as competitors to the banks now working with them to strengthen financing options for SME borrowers. He offered the example of banks using analysis of financial statements to assess risk in the loan origination process.

Origination 78

Origination Underwriting Third-Party Service Provider Risk Mitigation 78

Fintech Review

MAY 10, 2025

Banks assess creditworthiness using internal models, regulatory guidelines, and risk policies. They also enable new products, such as microloans, fractional investing, or embedded finance. Many banks now partner with fintech firms to improve onboarding, underwriting, KYC, or user engagement. It is banks and fintech.

Central Bank 52

Central Bank Push-to-Card FedWire Regulations 52

PYMNTS

JULY 16, 2019

FinTech Lendbuzz has announced Monday (July 15) that it has secured an additional $150 million in debt and equity financing led by 83North, with participation from existing investors. credit history to help them secure financing for auto loans. credit history to help them secure financing for auto loans.

Finance 49

Finance FinTech Underwriting Credit Risk 49

Tearsheet

AUGUST 7, 2024

This collaboration aims to provide corporate clients with improved short-term financing options and embedded payment solutions at the point of sale. Morgan’s financial strength and Slope’s innovative approach to credit risk assessment and monitoring. The partnership brings together J.P. Working with Slope, our team at J.P.

AI 59

AI B2B Finance Underwriting 59

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

PYMNTS

JULY 23, 2019

According to the publication, citing reports from Beijing media group Caixin Media, banks will be required to obtain primary, original documentation from the corporate borrower and its trading partner to stronger finance underwriting. for Finance and Development’s Deputy Director Zeng Gang in an interview with China Daily.

Finance 51

Finance Disputes Verification Underwriting 51

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

JULY 25, 2019

What Fundbox offers as an alternative, she said, is an automated trade financing platform that makes it easier for small suppliers to provide terms to their buyers, or for small buyers to gain access to longer payment terms without having to clear the normally rigid hurdle set.

Finance 53

Finance Risk Assessment B2B Underwriting 53

The Fintech Times

JULY 30, 2024

Network International , the enabler of digital commerce in the Middle East and Africa (MEA), is joining forces with Biz2X , the financing fintech in the US, India and Australia, to unlock new sources of capital for its SME merchants. Biz2X boasts over $10billion funded through its digital lending platform.

Underwriting 52

Underwriting Risk Assessment Embedded Finance Settlement 52

The Fintech Times

JULY 16, 2024

According to the British Business Bank , 48 per cent of all UK SMEs with employees sought external finance in 2023, demonstrating the high demand for these solutions. SMEs account for 61 per cent of all employment in the UK, highlighting the importance of providing access to support and funding required to ensure growth.

ATM 96

ATM Transactions Credit Risk On-Demand 96

PYMNTS

MAY 25, 2017

For others, underbanked markets need FinTech innovations to see financing. PayPal and Village Capital have just expanded their partnership in an effort to, as they say, “democratize” access to financing for entrepreneurs and SMEs in various markets across the globe. For some, it’s through their traditional banks.

Finance 42

Finance Underwriting Small Business PayPal 42

PYMNTS

DECEMBER 17, 2018

Use of alternative finance (AltFin) sources among small business (SMB) owners is on the rise, but still has a long way to go before it poses a legitimate threat to traditional banks’ market dominance. firm that bridges companies with a range sources to obtain loans, equity financing or grants. Key to this solution is the U.K.’s

Small Business 78

Small Business Finance Non-Bank Accounts 78

PYMNTS

NOVEMBER 11, 2019

The Monetary Authority of Singapore is backing the launch of a new trade finance offering operated by trade facilitation platform provider vCargo Cloud (VCC), a press release said Monday (Nov. MAS, as well as FinTechs from the country’s private sector, have propelled the nation into a global leading position in trade finance innovation.

Finance 40

Finance Underwriting NOV Assessments 40

PYMNTS

APRIL 16, 2018

According to YES BANK Group President and Head of Branch and Retail Banking Rajan Pental, the new solution is part of the financial institution’s (FI) broad efforts to expand access to faster financing for India’s SMBs. YES BANK will assess tax data from the last six months, and, if approved, businesses can access funds within a day.

Returns 43

Returns Underwriting Cross-Border Payments Cross-Border 43

FICO

SEPTEMBER 18, 2020

Our FICO Cyber Risk Score is becoming the de-facto cyber risk score for enterprise self-assessment, third-party risk management and insurance underwriting. . The FICO® Cyber Risk Score also enables better underwriting decisions through the ability to quantify cyber risk as statistical fact rather than opinion.

Risk 52

Risk Assessments Underwriting Cybersecurity 52

PYMNTS

MARCH 13, 2018

one of Japan’s largest consumer financing companies, to provide loans and lending services to the unbanked. Dubbed Grab Financial Services Asia (GFSA), the joint venture will offer micro-financing products and services tailored for the fastest-growing economies in Southeast Asia.

Consumer 40

Consumer Finance Financial Inclusion Assessments 40