The Payments Association

JULY 23, 2025

Today, many issuers still auto-approve token requests with minimal risk assessment, a vestige of Visa and Mastercard’s early, binary risk logic. It also requires a fundamental shift in risk management. As tokenisation expanded to e-commerce and Click to Pay, compliance took precedence over flexibility.

Payment APIs and Integration

Finovate

APRIL 24, 2025

A newly announced strategic partnership between BehaviorQuant and Quantlake is designed to bridge the gap between research and investor expectations. Once investors complete a short BehaviorQuant assessment, they receive personalized portfolio recommendations that are based on their behavioral risk profile and their financial status.

Assessments

Finextra

JULY 7, 2025

Research by IBM found that about 50% of enterprises in financial services have actively deployed AI, the highest of any sector. For example, among banks that have implemented GenAI, 88% have seen improvements in risk management and compliance, and 85% report time/cost savings. These are significant positive outcomes.

AI

The Fintech Times

JULY 22, 2025

New rules, which would take effect when BNPL comes under the FCA’s remit in 2026, come after FCA research on unregulated BNPL found that around 20 per cent of UK adults (~10.9 TransUnion research found that one in six (16 per cent) UK consumers choose BNPL for this reason. million) in 2022.

BNPL

Stax

APRIL 8, 2025

Interchange and assessment fees are set by card networks and are non-negotiable. Interchange fees cover transaction processing costs, fraud prevention costs, and the risk incurred by the issuing bank if the cardholder fails to pay. Assessment fees Assessment fees go to the payment network or the credit card network.

Credit Cards

The Payments Association

NOVEMBER 12, 2024

Innovation Potential: Ability to create proprietary technology aligned with strategic goals Risk of Incomplete Features: May initially lack key functionalities, requiring iterative updates. Data Privacy Concerns: Sharing sensitive data with vendors may introduce privacy and compliance risks. Lastly, consider regional factors.

Financial Crimes

Finextra

JUNE 26, 2025

When you follow compliance rules, you reduce the risk of fraud, chargebacks, and penalties. How PCI DSS affects your digital payment operations When you’re PCI DSS compliant, you reduce the risk of costly breaches. They want to know that their personal and financial data is secure. Compliance today means fewer disruptions tomorrow.

PCI DSS

Finextra

AUGUST 6, 2025

The new Visa Cybersecurity Advisory Practice will equip the payment giants clients with analysis of the risk landscape along with the actionable insights needed to identify, evaluate, and thwart emerging cyber threats. Sponsored [New Impact Study] How can Businesses Bridge the Gaps in their Cashflow?

Cybersecurity

Fintech News

JANUARY 21, 2025

A new report by Twimbit, a Singapore-based research and advisory firm, highlights the state of open finance in Southeast Asia, exploring the different factors such as regional integration, technological innovation, evolving business models, and API monetization that are fueling the growth of the sector.

Payment APIs and Integration

The Payments Association

DECEMBER 10, 2024

With payment systems becoming more digital and interconnected, the risk of AI-driven fraud grows, urging payments firms to adopt cutting-edge solutions to protect themselves and their customers from these emerging threats. fingerprints, facial recognition), and behavioural biometrics (e.g., keystroke dynamics or mouse movements).

AI

Finextra

JULY 24, 2025

Evaluate your existing infrastructure and gaps Before you implement anything new, you must assess what you already have. Focus on compliance, security, and risk management Payments are sensitive. So, you should choose a payment platform that has built-in fraud detection and risk scoring. Are they compatible with APIs?

Digital Payments

FloQast

JANUARY 22, 2025

Comprehensive Gap Assessment One of the first steps was analyzing our existing controls through the lens of ISO 42001s requirements. This wasnt just about complianceit was about making FloQast stronger and more nimble in managing AI risks. Internal Training and Awareness Compliance can only succeed when its embraced by everyone.

ISOs

The Payments Association

JUNE 16, 2025

Industry Voices “This research set out to understand what it would take to make peer-to-peer offline payments work – securely, privately and at scale. A successful digital British pound hinges on a well-defined product, clear processes, and expert people to balance innovation with risk. But widespread adoption remains distant.

Settlement

Finextra

JUNE 6, 2025

However, as the industry flourishes, so inevitably do the risks ranging from fraud to late payments. Afterpay is using big data and AI to ensure a smooth user experience and improved risk management. Among other things, Sezzle is using machine learning for customer risk assessment and to offer tailored financing options.

BNPL

The Payments Association

JUNE 16, 2025

The research examines how digital transformation and shifting customer expectations are transforming payment strategy into a key differentiator in customer experience and business growth. The methodology combines quantitative analysis of operational metrics with qualitative assessment of strategic priorities.

Innovation

Finextra

JULY 28, 2025

The allure of AI – promising breakthroughs in predictive analytics for risk assessment, automated customer support, and advanced fraud prevention – has prompted substantial capital allocation across the sector. The efficacy of any AI model is inextricably linked to the quality, accessibility, and governance of its underlying data.

AI

The Fintech Times

JUNE 11, 2025

The launch comes in the face of 80 per cent of UK banks saying sluggish innovation is hurting their business, fueling talent shortages, resource wastage and eroding their competitive edge, according to a recent research study by core banking fintech SaaScada. ” Encouraging operational risk elsewhere?

AI

EBizCharge

JANUARY 14, 2025

Strong encryption builds trust with customers and reduces the risk of data breaches. These gateways handle all payment details, providing a secure system that minimizes the risk of data breaches. During this time, you can assess the gateways features, user interface, and security measures.

Payment Gateways

EBizCharge

MARCH 11, 2025

These fees typically include interchange fees, which go to the card-issuing bank, assessment fees charged by the card networks, and payment processor fees for handling the transaction. Thorough research will help your business garner these cost savings.

Processing Costs

My Payment Savvy

JUNE 16, 2025

Smart research now prevents costly mistakes later. This tokenization keeps the sensitive card information off your servers, reducing the risk of a data breach and easing PCI DSS compliance. Any hiccups risk abandoned carts and lost sales. uptime, but research their actual performance. Big mistake.

Payment Gateways

Finextra

JUNE 18, 2025

In parallel, Payabli is working with Nvidia to develop advanced risk and fraud detection models trained on proprietary customer data to deliver tailored risk assessments specific to each customer’s business and industry. Sponsored [On-Demand Webinar] The final countdown: What’s next for Verification Of Payee?

Payment APIs and Integration

Finextra

JULY 28, 2025

JUMO’s leading expertise in asset allocation and credit risk management makes them a key partner for Orange Money Group in Africa. They use trained AI algorithms to assess credit risk and facilitate the immediate flow of capital through their partnerships with pan-African banks and development finance institutions.

Financial Inclusion

Stax

MAY 6, 2025

Your payment processor adds a markup to the cost of interchange (and assessment) which is clearly indicated in your statements. Research payment providers Start by identifying processors that align with your business model, customer base, and tech infrastructure.

Credit Cards

Stax

MARCH 11, 2025

Online reviews Your research will tell you a lot about each provider. The fee varies depending on the card type (e,g reward credit card, travel credit card), channel (in-person or online), geographical location, and industry type (e,g high-risk industries). It is much lower than the applicable interchange fee.

Online Payment Processing

Finextra

JULY 7, 2025

For fintech startups, navigating these complexities without in-house expertise can lead to inefficiencies and risks. AI and Edge Computing: How to Power Data-Driven Finance Artificial Intelligence (AI) is revolutionising fintech through real-time fraud detection, automated trading and risk assessment. Choosing Colocation?

FinTech

Stax

JULY 7, 2025

According to Federal Reserve research , credit and debit cards make up a significant share of payments—credit cards alone account for roughly 35% of transactions As such, many merchants have sought a solution that allows them to alleviate the burden of credit card processing fees.

Credit Cards

Finovate

MARCH 7, 2025

Neal: This is an interesting question, and one that will be clearer by the end of 2025, when we can fully assess the impact of Weros initial e-commerce launches. Research by Juniper reveals that 60% of all ecommerce transactions will happen via local payment methods by 2028. What distinguishes the eager adopters from the more cautious?

Payments

Finextra

JUNE 23, 2025

Rethinking risk in the age of AI Traditional credit systems have failed billions of people globally—those without formal income, credit history, or access to mainstream banking. AdviceRobo has pioneered the use of psychometric data, behavioral analytics, and alternative data to assess risk far beyond FICO scores.

AI

FloQast

FEBRUARY 19, 2025

Xavier Sanchez is a Managing Director at CFGI, leading the Risk Advisory practice in the New York Metro area. He brings over 13 years of experience, providing clients with business and technology audits, as well as providing control design assessment and process improvement services.

Advisors

Fintech News

JULY 14, 2025

Financial services firms globally are accelerating their adoption of cloud technologies, focusing on long-term agility, resilience, and innovation rather than cost-cutting, according to new research by the London Stock Exchange Group (LSEG). Return on investment is increasingly viewed through a strategic lens.

APACS

EBizCharge

JANUARY 6, 2025

Some states may have unique requirements, so its important to research and follow local guidelines. Assess feasibility for your business Evaluate your customer base and transaction trends carefully to determine if implementing a cash payment discount program aligns with your business model. Do customers like cash discount programs?

Legal

The Paypers

JUNE 20, 2025

In addition, Payabli is collaborating with NVIDIA to build proprietary AI models for risk and fraud detection, which will be trained using client-specific data sets to deliver tailored assessments.

Embedded Payments

Finextra

JUNE 15, 2025

While banks often avoid testing backup systems due to switching risks, gambling operators must have bulletproof failover capabilities because down time during peak betting periods would be catastrophic. This necessity has pushed cloud architecture toward true redundancy rather than theoretical compliance. Its a timing issue.

Technology

The Fintech Times

JANUARY 31, 2025

The firm claimed its funds were screened to exclude bond issuers with activities in the likes of fossil fuels, although the Australian Securities and Investments Commission found that as much as 74 per cent of the securities in the fund (by market value) were not researched or screened against applicable ESG criteria.

FinTech

The Fintech Times

JUNE 30, 2025

While the concept of personalisation remains popular, new research reveals that young people’s trust in how banks and other financial institutions use their personal data is low, highlighting a major challenge for the financial industry to overcome. But that legacy of trust is at risk as in-person touchpoints disappear.

Research

Finextra

AUGUST 1, 2025

This should mean people get the information they need to assess whether the level of risk is right for them. Consumers should ensure they understand the risks before deciding to invest. The FCA will continue to monitor market developments and consider its approach to high-risk investments.

Authorization

The Fintech Times

MAY 30, 2025

Valued at $28.93billion in 2024 and set to hit $49.18billion in 2025, according to The Business Research Company , the blockchain market is thriving. In fact, according to findings from Grand View Research , the global AI markets value has skyrocketed by $400billion in just two years to reach $600billion.

Blockchain