Fintech News

APRIL 24, 2025

billion Established in 2018, BharatPe transformed digital payments in India by launching the nations first UPI-interoperable QR code for merchants. DMI Finance is quickly growing its services, which include personal loans, Buy Now, Pay Later (BNPL) options, and embedded credit solutions. BharatPe Valuation: $2.85 PayU Valuation: $5.2

FinTech

Finovate

MARCH 7, 2025

The Bank of Ghana and the National Bank of Rwanda inked an MoU to provide companies with a license passporting framework and cross-border payment interoperability. Online payment and checkout solutions provider Montonio expanded its partnership with Inbank to bring BNPL and Hire Purchase options to customers in Latvia and Lithuania.

Payments

Finextra

JUNE 2, 2025

Developers globally are composing new financial products at a frenetic pace, precisely because the protocols are open and interoperable. Open Banking achieved interoperability by establishing common API standards (for example, the UK’s Open Banking Implementation Entity set standard formats for data and secure connections).

Finance

Finextra

JUNE 8, 2025

Those who can embed trust, programmability, and interoperability into their stablecoins - while still playing nicely with capital markets - will shape the global liquidity layer of tomorrow. With MiCA rolling out in Europe and PayPal’s PYUSD launching in the U.S.,

Stablecoins

The Payments Association

JULY 18, 2025

UK buy now pay later (BNPL) regulation The UK’s fast-growing BNPL sector is now firmly on the path to FCA regulation following the laying of the draft statutory instrument in May 2025. The FCA will now undertake a 12-month rulemaking process to tailor disclosure, marketing, and conduct standards to the unique features of BNPL.

Regulations

The Fintech Times

FEBRUARY 28, 2025

Operational risks would also arise from AIs extensive data needs, leading to scalability and interoperability challenges, while centralisation risks can create single points of failure, weakening system resilience. In 2024, we saw many ‘first-of-its-kind’ AI regulations, such as the EU AI Act and the proposed California AI bills.

AI

The Payments Association

MARCH 18, 2025

As more jurisdictions refine regulations and expand open finance frameworks, the focus will shift to interoperability, consumer trust, and cross-industry data integration. For payments firms, the intersection of payments and credit is becoming a competitive battleground, especially as BNPL and embedded lending scale. What’s next?

Finance

Payments Dive

JULY 17, 2025

Scaling stablecoins will fundamentally be about utility to consumers and businesses, and interoperability between the existing financial system” and stablecoins, Lambert said.

Stablecoins

Finextra

JULY 31, 2025

Interoperability across banks, wallets, and payment gateways Your customers are not really concerned about the network connectivity or server-related things. To cater to this need, you must build an interoperable system that connects smoothly with other banks, wallets, and PSPs. That builds trust and reduces disputes.

Payment APIs and Integration

Finovate

JANUARY 24, 2025

The cost of upgrading systems alone is huge, not to mention the added technical challenge of ensuring interoperability between different PSPs and banks across borders. Other areas that are likely to receive regulatory scrutiny in 2025 in the EU are crypto and Buy Now Pay Later (BNPL).

Regulations

Fintech News

SEPTEMBER 10, 2024

Their growing popularity has spurred continuous financial innovation, such as the rise of buy now, pay later (BNPL). In 2023, BNPL arrangements represented 4% of e-commerce transaction value, a significant increase from the mere 1% in 2020.

Cross-Border Payments

Fintech News

MAY 29, 2024

This growth is attributed to the increasing interoperability of regional payment systems and the success of the Singapore Quick Response Code (SGQR) , the world’s first unified payment QR code. In contrast, the use of credit cards in online transactions in Singapore is expected to decrease from 42% in 2023 to 32% in 2027.

Credit Cards

PYMNTS

DECEMBER 30, 2020

As Koenigsberg described, interoperability of payment rails old and new will be key to driving the kind of adaptability B2B payments will need in the year ahead. In Mastercard's case, that involves embracing a mix of interoperable payment rails via its Mastercard Track Business Payment Service. The Coexistence Of Rails.

B2B

Fintech News

JANUARY 10, 2024

In an effort to fortify its payment infrastructure, the Monetary Authority of Singapore (MAS) is developing an interoperable SGQR+ scheme to boost QR code payment interoperability. For instance, Standard Chartered spinoff audax offers Banking-as-a-Service solutions to power embedded finance solutions for non-banks.

Cross-Border

The Payments Association

MAY 16, 2025

BNPL regulation (UK legislation expected late 2025, implementation in 2026) The UK government is progressing legislation to bring Buy Now Pay Later (BNPL) under the scope of regulated consumer credit. These include ensuring that BNPL options are clearly described, not misleading, and supported by regulated providers.

Regulations

PYMNTS

OCTOBER 1, 2020

to other consumer trends like buy now pay later (BNPL), McCarthy said, “We think it's crucial to give that flexibility to the user. Points as Cash Requires Program Interoperability. are moving toward an open-source, interoperable loyalty points ecosystem that will alter the loyalty program as we’ve known it.

Digital Currency

Fintech News

MAY 19, 2024

Twimbit, a Singaporean research and advisory firm, identifies data monetization as one of the biggest growth opportunities for banks in Asia-Pacific (APAC), which, alongside super-app platforms, financial marketplaces, banking-as-a-services and buy now, pay later (BNPL) arrangements, are projected to contribute over 40% of banking revenue by 2030.

Rules

The Fintech Times

MARCH 5, 2024

This business case was also awarded the Best BNPL solution at Finovate in 2023. Just in 2023 Yabx disbursed over 20 million loans to 2.4 million consumers and MSMEs through the platform. These achievements have impressive real-world implications with individuals in underserved regions.

Financial Literacy

The Fintech Times

FEBRUARY 27, 2024

Having looked at some of the biggest technologies to impact the payments world, like buy now pay later (BNPL) and central bank digital currencies (CBDCs) , we now look to the future and what the next trend may be. However, as was the case in the telecommunications industry, innovation doesn’t end because a product becomes commoditised.

Consumer Protection

The Fintech Times

FEBRUARY 19, 2024

Having discussed the myths , hype and usage of buy now pay later (BNPL), we now turn our focus to cross-border payments. BIS Aurum) and interoperability solutions (e.g, When you think about financial technology, it is easy to think about solutions which are making payments faster, easier and more accessible.

Cross-Border Payments

M2P Fintech

MARCH 28, 2024

Unlike widely accepted open-loop systems like Visa, they offer limited interoperability. These loans include term loans, credit cards, BNPL , and auto loans. Examples include gift cards, loyalty program cards, or prepaid cards for specific retailers.

FinTech

The Payments Association

DECEMBER 2, 2024

For example, cards versus instant payments, wallets versus real-time transfers, BNPL versus store credits, and other financing options.” For example, retailers can introduce tailored financing options like buy-now-pay-later (BNPL) directly at checkout, boosting sales conversion rates while improving accessibility for customers.

Embedded Finance

The Payments Association

APRIL 14, 2025

Key developments include progress on stablecoin regulation with draft legislation anticipated, advancements in open banking and variable recurring payments (VRPs), outcomes from the PSR's review on card fees, and the introduction of buy now pay later (BNPL) legislation in Parliament.

Regulations

Fintech News

MARCH 23, 2025

BharatPe BharatPe , founded in 2018, pioneered Indias first UPI-interoperable QR code for merchants, simplifying digital payments across multiple platforms. They are offering tailored personal loans, BNPL (Buy Now, Pay Later), and embedded credit solutions. Now it is valued at roughly USD 6.4 With over USD $338.5 billion valuation.

FinTech

Finovate

MARCH 5, 2025

These changes promise greater transparency and interoperability but raise concerns about security, implementation complexity, and long-term regulatory fatigue. Meanwhile, FiDA will broaden open finance obligations, and eIDAS 2.0

Risk