Fintech Finance

JULY 1, 2025

“Bolt merchants need powerful tools that help them capture consumer spend,” said Ryan Breslow , CEO of Bolt. “By embedding Klarna natively, we’re giving every merchant—from emerging brands to enterprise-scale retailers—a turnkey way to offer flexible payments, without lengthy contracts or approval processes. .”

Payment APIs and Integration 52

Payment APIs and Integration Payments Ubiquitous API 52

Finextra

JULY 7, 2025

Power survey shows consumers are largely optimistic about AI’s benefits: 72% agree AI will deliver easy, convenient self-service but also highlight areas to improve, such as building trust and ensuring human-like empathy in AI interactions. For consumers, the experience is also smoother. At the same time, a J.D.

AI 72

AI Fraud Detection Online and Mobile Banking Payment APIs and Integration 72

The Fintech Times

JANUARY 13, 2025

By leveraging open banking, OBL aims to provide consumers and businesses with a simple, secure way to move, manage, and make more of their money. This includes developing a commercial model for open banking, starting to establish a recognisable and ubiquitous brand, supporting the full rollout of commercial VRPs, and more.

Cross-Border 59

Cross-Border Ubiquitous Finance Interoperability 59

Fintech Review

MAY 10, 2025

In competitive consumer markets, this mobile-first capability can significantly improve activation rates and retention. As embedded finance becomes ubiquitous, companies that can embed programmable money flows into their ecosystems will dominate user loyalty and revenue growth.

Payment APIs and Integration 52

Payment APIs and Integration Embedded Finance API Regulatory Compliance 52

Fintech Finance

MAY 28, 2025

“As real-time payments become ubiquitous in Kuwait, consumers have gravitated toward secure, real-time payment methods, reshaping habits around convenience and efficiency while reducing reliance on cash.

Real Time Payments 52

Real Time Payments Accounts Financial Inclusion Payments 52

Payments Dive

JUNE 9, 2025

consumers spent $5.93 An earlier version of cashierless checkout, the ubiquitous self-checkout line, has proven troublesome. Ive always wondered if it was a solution looking for a problem ,” said Douglas Bowman, a marketing professor at Emory University’s Goizueta Business School who studies consumer behavior. trillion online.

Request for Comment 143

Request for Comment Payments Consulting Technology 143

The Fintech Times

NOVEMBER 16, 2024

“The existing payment channels have earned the trust of both businesses and consumers through years of reliable service. Overregulation risks stifling creativity and investment, while a light touch leaves consumers exposed. All stakeholders need to play their part in protecting consumers if we’re serious about their safety.”

Returns 64

Returns Innovation Risk FinTech 64

Payments Source

OCTOBER 16, 2016

As smartphones become more ubiquitous, more consumers are ready to pull out their phones to make a payment—and expect the option to do so. Mobile transactions are getting faster and more efficient.

Ubiquitous 159

Ubiquitous Visa Transactions Consumer 159

PYMNTS

OCTOBER 5, 2020

While the global pandemic has taken a toll on almost every business, consumer demand for all things touchless is surging — and has even been a driver of growth for QR codes. merchants and shoppers fully embrace those ubiquitous square squiggly merchant codes. Such moves seem likely to win over consumers in the COVID-19 era.

Contactless Payments 144

Contactless Payments Consumer PayPal Payments 144

PYMNTS

OCTOBER 12, 2020

In a time of increasing change for retailers and consumers, the current global climate has begun accelerating the future of retail trends at a much quicker pace than previously envisioned. However, one thing still rings true: Consumers need a reason to change ingrained behaviors. By contrast, U.S. is suddenly popping up everywhere.

Consumer 126

Consumer Push-to-Card Ubiquitous Credit Cards 126

PYMNTS

AUGUST 10, 2020

Consumers shop online, bank online, entertain themselves online and base their decisions on the digital services a firm will offer them. 31%: Share of younger consumers who would work with a firm because they provide voice-activated payment services. Data: $719M : Mercari’s annual sales in 2019.

Ubiquitous 66

Ubiquitous RTP Consumer Payments 66

PYMNTS

NOVEMBER 17, 2020

Consumers’ banking habits have changed radically since the pandemic was first declared in March. PYMNTS research shows that consumers are 8.7 PYMNTS research shows that consumers are 8.7 million consumers in the United States (or 42.4 percent more likely to use mobile banking apps now than they were in 2019, and 51.1

Mobile Banking 93

Mobile Banking Consumer Authentication Ubiquitous 93

PYMNTS

NOVEMBER 4, 2020

Bit by bit — but more than bitcoin by bitcoin — cryptos are inching into the mainstream, for both consumer and commercial applications. We believe that bitcoin has the potential to be a more ubiquitous currency in the future,” said Amrita Ahuja, chief financial officer of Square. From Wild West … to new frontier in commerce?

Bitcoin 83

Bitcoin Cryptocurrency Office of the Comptroller of the Currency Consumer 83

PYMNTS

OCTOBER 9, 2020

found that 32 percent of consumers have been targeted by some type of pandemic-related fraud , for example. This is especially true now that consumers expect digital onboarding platforms to approve their accounts and identities in a matter of minutes. trillion due to consumers abandoning their platforms per year, for example.

Verification 83

Verification Consumer Online and Mobile Banking Scams 83

Stax

DECEMBER 6, 2023

These regulations are in place to protect both businesses and consumers from unfair and unethical surcharging practices. Now ubiquitous, credit cards provide consumers with a quick and secure payment method, often with rewards and other perks. Learn More What is Credit Card Surcharging?

Consumer 88

Consumer Credit Cards Alternative Payment Methods Debit Card 88

PYMNTS

DECEMBER 29, 2020

In his current role, his overall take is that the resilient consumer drove what he termed a “healthy” holiday spending increase. This is a very healthy consumer environment in a tough situation in terms of the pandemic,” Sadove told PYMNTS CEO Karen Webster. Malls, he said, were perceived as unsafe by consumers. percent online.

Consumer 72

Consumer Visa Ubiquitous Economy 72

Fintech News

NOVEMBER 5, 2024

This service allows consumers to authenticate online payments using biometrics like fingerprints or facial scans, similar to unlocking a smartphone. To use this service, consumers simply enroll their Mastercard once. Major banks like DBS and UOB are already utilising this technology.

APACS 109

APACS Visa Security Authentication 109

PYMNTS

NOVEMBER 30, 2020

Smartphones have become a ubiquitous part of life for consumers around the globe. Location sharing commonly allows consumers to take part in activities such as ordering grocery deliveries, hailing Uber rides and receiving extremely accurate weather alerts and details. The report surveyed 2,141 U.S.

Consumer 68

Consumer Card Issuer Accounts Online and Mobile Banking 68

Faster Payments Council

JULY 21, 2020

Faster Payments Council (FPC), in partnership with Glenbrook, today released the research white paper, "Faster Payments and the Potential to Transform Consumer Bill Pay." The bank bill pay model where the consumer interacts with its online/mobile banking platform to request a payment be sent to the biller's bank.

Faster Payments 68

Faster Payments FPC Research Consumer 68

PYMNTS

SEPTEMBER 25, 2020

But Mester said there’s still a need for “further consideration” to evaluate whether such digital currencies could be utilized for speedier and ubiquitous emergency payments. Meanwhile, Mester said that a Fed survey of consumers taken in May found that Americans had increased their cash holdings during the pandemic.

Fed 132

Fed Federal Reserve Digital Currency Central Bank 132

Fintech Finance

JULY 2, 2024

This removes the requirements for manual card detail entry and improves the guest checkout experience as consumers can store and handle their cards in a single profile, which is updated automatically. Click to Pay is primed to become as ubiquitous as contactless payments.

Visa 105

Visa Contactless Payments Ubiquitous Technology 105

PYMNTS

NOVEMBER 27, 2020

Overtaxing the royal attention span — that of the consumer — is a mistake, so multifactor authentication (MFA) processes are morphing in various ways to reduce onboarding frictions while maintaining rigorous multifactor authentication (MFA) and other fraud-fighting tools. Taking Authentication To The Streets.

Multifactor Authentication 107

Multifactor Authentication Authentication Security MFA 107

PYMNTS

OCTOBER 14, 2020

But Greg Lisiewski , PayPal ’s vice president and general manager of consumer credit, told Karen Webster that while lots of people were trying to forecast the economy’s next phase, no one foresaw that a new virus would burn everything to the ground. “I There was already wide speculation before the pandemic about the U.S.

PayPal 109

PayPal Point-of-Sale (POS) Consumer Ubiquitous 109

PYMNTS

AUGUST 3, 2020

The pandemic has pushed digitization from a “nice to have” to a “have to have” for consumers all over the world and across all age demographics. But as Karen Webster noted in a recent On the Agenda conversation with a panel of industry experts, a funny thing happened to consumers on their way to the digital forum. Building What Works.

Push-to-Card 107

Push-to-Card Ubiquitous On-Demand Use Case 107

PYMNTS

DECEMBER 20, 2018

Fortunately, consumers don’t need to wait nearly as long as they used to for a variety of transactions or business processes to be completed. Rather than dealing with a valet, consumers can request an Uber or Lyft. billion consumer accounts, including credit or debit cards, online wallets and cash-out distribution points.

Instant Payments 57

Instant Payments Consumer Real Time Payments Interoperability 57

PYMNTS

JUNE 2, 2020

Eisen said consumers still want to be able to shop and pay with flexibility, but are wary of credit opportunities that run the risk of turning into what he describes as debt traps. Consumers Want More Than Toilet Paper (But Not More Credit Card Debt). Consumers Want More Than Toilet Paper (But Not More Credit Card Debt).

Consumer 57

Consumer BNPL Credit Cards Ubiquitous 57

PYMNTS

NOVEMBER 18, 2020

Add to that the fact that consumers often don’t pay — not because they can’t, but because they get entirely lost in the “complexity … of payments hoisted on them,” he said. He said the newcomers “were willing to chuck out all the baggage built up over time that doesn’t really help the consumer journey.”.

Push-to-Card 124

Push-to-Card Payments Credit Cards Ubiquitous 124

PYMNTS

APRIL 2, 2019

Wells Fargo announced Tuesday (April 2) the launch of contactless consumer credit and debit cards. According to Visa, contactless payments will soon be ubiquitous, with 78 out of the top 100 U.S. Wells Fargo said its consumer credit cardholders started receiving the cards with the contactless feature when opening an account this week.

Debit Card 83

Debit Card Contactless Payments EMV ATM 83

The Fintech Times

JANUARY 8, 2024

The banking sector has witnessed a significant shift that places power in the hands of the consumers. A third of consumers use digital banking channels daily and 50 per cent would consider switching banks if they were not getting the services that they expect. The advantages of digital banking apps are, in some ways, obvious.

Issuers 105

Issuers Ubiquitous Consumer Visa 105

PYMNTS

OCTOBER 12, 2020

The role of email verification has remained largely unchanged as a critical tool to prevent fraud, improve customer service and partially verify [consumers’] identities,” Bud Walker , chief strategy officer at global identity verification and data quality solutions provider Melissa told PYMNTS. A Ubiquitous Digital Identity.

Verification 67

Verification Ubiquitous Online and Mobile Banking Authentication 67

PYMNTS

OCTOBER 6, 2020

At a time of increased consumer use and acceptance of the new COVID-era digital lifestyle, the pressure is mounting on large, legacy lenders to accelerate their innovations – or become obsolete. In remarks made at the annual Sibos global financial services conference on Monday (Oct. On Monday (Oct. 5) NCR Corp.

Online and Mobile Banking 102

Online and Mobile Banking ATM Mobile Banking Ubiquitous 102

PYMNTS

NOVEMBER 19, 2018

Smartphones are now more ubiquitous than laptops and desktops. As many as 86 percent of modern consumers own a smartphone, and 23 percent of them shop on their mobiles. Many eTailers are looking to cash in on the smartphone’s ubiquity by optimizing their mobile sites, making it easier for consumers to navigate, find and pay for items.

Ubiquitous 77

Ubiquitous Research Volume Process 77

PYMNTS

OCTOBER 14, 2016

The consumer retail industry as a whole is experiencing a radical disruption driven by digital transformation.”. Because the users, the consumers of the internet, they change so fast, so quickly. Cloud computing and Big Data will become ubiquitous,” Zhang told investors.

Ubiquitous 76

Ubiquitous Compromise Consumer Continuity 76

Open Banking Excellence

NOVEMBER 7, 2023

Sweden is reaping the economic and social benefits of a ubiquitous digital identity scheme, which is both secure and user-friendly, providing the UK with an exciting example of what could be achieved by leveraging digital identity. OneID helps protect banks, businesses, and consumers from online identity fraud.

Due Diligence 130

Due Diligence Ubiquitous Government Governance 130

Fintech Finance

NOVEMBER 6, 2024

As payments become more intricate, Mastercard today announced the latest enhancement to its new Mastercard Payment Passkey Service which enables secure, on-device biometric authentication through facial scans or fingerprints, the same way consumers unlock their phones every day.

Visa 98

Visa APACS Transactions Authentication 98

PYMNTS

JUNE 26, 2019

In payments, 10 years is a long time — where everything can change, and where once fanciful notions can become ubiquitous new ways of transacting. The particular innovations spotlighted were varied as well, tied to, say, consumer-specific or B2B-specific cases.

Innovation 82

Innovation Zelle Ubiquitous Payments 82