The Fintech Times

JUNE 18, 2025

Consumers and small businesses generally feel they get more value from fintechs than traditional banks, according to the findings from a recent survey by the Financial Technology Association , the DC-based trade association representing fintech industry leaders.

Small Business 45

Small Business Consumer FinTech Online and Mobile Banking 45

The Finance Weekly

DECEMBER 12, 2021

Companies may use data to make better decisions, gain a better understanding of market trends and customers, create smarter products and services, improve corporate operations, and generate new revenue streams. But what does this mean for those tasked with evaluating the return on investment of a data strategy and business use cases?

Use Case 227

Use Case Privacy Assessments Returns 227

Fintech News

DECEMBER 22, 2024

By combining expertise and tools, Visa aims to expand its fraud prevention use cases and strengthen the security of global payment systems. The collaboration will leverage the companies’ combined knowledge, methodologies, and tools to deliver enhanced fraud protection services for businesses and consumers.

Fraud Detection 109

Fraud Detection AI Fraud Prevention Value Added Service 109

Fintech Finance

JUNE 2, 2025

Built on Visas decades of payments expertise, Visa A2A gives consumers greater choice, control and protection over how they pay via bank transfers. Visa A2A introduces an easy and intuitive experience for consumers, allowing them to easily manage their bills and subscriptions through their bank app.

Consumer Protection 59

Consumer Protection Consumer Participant Innovation 59

Fintech Finance

DECEMBER 12, 2024

Consumers, businesses, and governments can use Visa Direct to deposit funds to bank accounts linked to eligible debit cards in real-time1. Visa Direct reaches 99% of bank accounts in the US, and over 11 billion endpoints including cards, accounts and digital wallets around the world.

Funds Availability 98

Funds Availability FPC Accounts Debit Card 98

Bank Automation

FEBRUARY 21, 2025

The top 50 banks around the world have deployed AI for 167 use cases to improve efficiency and drive consumer experience within their operations.

Use Case 59

Use Case AI Automation Posting 59

Fintech Finance

FEBRUARY 20, 2025

The results reflect growing adoption of the FedNow Service and RTP Network and an expanding array of use cases in both consumer and business contexts. Use Case Expansion: Businesses are most interested in leveraging faster payments for eCommerce (54%), point-of-sale transactions (51%), and invoicing/supplier payments (41%).

Faster Payments 102

Faster Payments Multifactor Authentication FedNow RTP 102

Clearly Payments

OCTOBER 31, 2024

From traditional options like credit cards to emerging solutions such as cryptocurrencies and biometrics, each payment method comes with unique advantages that cater to varying consumer needs. Cost : RTP services are low-cost or free for consumers, typically around $0.50 They remain a staple payment method globally. handled $1.6

Online and Mobile Banking 98

Online and Mobile Banking RTP BNPL Debit Card 98

Open Banking Excellence

JULY 2, 2025

When those rules were introduced, the intended aim was to drive competition in the retail banking market and make it easier for consumers to switch accounts. fintechs have already been racing ahead with developing Open Banking use cases free from any regulatory shackles. That hasn’t really happened. is around access to credit.

Regulations 130

Regulations Non-Bank Rules Innovation 130

The Payments Association

NOVEMBER 20, 2024

Embedded consumer payments have already proven the transformative power of embedded finance, streamlining transactions, boosting conversions, and fueling revenue growth. This isn’t a peripheral add-on; it’s the future of commerce. Companies that embrace it now will dominate their industries, while those that don’t may not survive.

Embedded Finance 88

Embedded Finance Use Case B2B Finance 88

NFCW

APRIL 4, 2024

. “Additionally, when compared to other payment options including contactless cards, QR codes, and cash, consumers rated NFC contactless as the most secure, most convenient, most reliable, and easiest way to pay in-person,” the NFC Forum says.

Consumer 124

Consumer Contactless Payments Use Case Research 124

Fintech News

FEBRUARY 10, 2025

In this article, we cover the developments between Agentic AI in fintech and possible use cases, giving a glimpse into how financial services could look like in the near future. Ensuring AIs transparency in decision-making processes is vital to avoid opaque outcomes that might not be easily understood or disputed by consumers.

AI 84

AI FinTech Fraud Detection Fraud Prevention 84

Fintech Finance

DECEMBER 19, 2024

This will bolster Visas fraud protection capabilities and enhance security for its customers and consumers worldwide. Over the coming months, Featurespaces product portfolio will be incorporated into Visas existing offering, expanding the available range of fraud prevention solutions and use cases.

Fraud Prevention 97

Fraud Prevention Value Added Service Financial Crimes AI 97

NFCW

JUNE 20, 2025

“The new feature expands use case scenarios for the AR glasses industry leader, and creates new growth avenues for e-wallets and merchants.” ” In China, consumers will be able to make a payment with their Rokid smart glasses by first linking their Alipay account via the Rokid app and enabling voice verification.

Payments 115

Payments Transactions Verification Use Case 115

NFCW

JANUARY 23, 2025

The STEVAL-25R200SA kit incorporates ST’s new ST25R200 reader/writer IC and is designed to help engineers “quickly build proof-of-concept models to demonstrate convenient short-range wireless communications for device pairing, configuration setting, or product authentication to ensure brand protection,” ST says.

ISOs 108

ISOs Authentication Use Case Product 108

Fintech News

APRIL 29, 2025

The initiative aims to enable secure, seamless transactions through generative AI agents across consumer and business platforms. Mastercard will work with Microsoft to explore new use cases using Microsofts AI technologies, including Azure OpenAI Service and Copilot Studio.

Visa 85

Visa AI Credential Contactless Payments 85

Open Banking Excellence

MARCH 15, 2024

A look at four of Australia’s Open Energy use cases While the world has taken Europe’s lead on Open Banking, Australia started with an economy-wide approach informed by the Consumer Data Right (CDR), which implemented economy-wide Open Data.

Use Case 147

Use Case Non-Bank Consumer Accreditation 147

NFCW

MARCH 6, 2025

Emerging use cases will continue to drive future growth, for instance, as businesses increasingly harness and expand their deployments in recognition of the wider sustainability benefits that RAIN can offer. The RAIN Alliance is working to support and accelerate the integration of RAIN technology into mobile devices.

CHIPS 70

CHIPS Use Case Continuity Compliance 70

NFCW

JUNE 17, 2025

As well as making it possible for consumers to interact with contactless tags and readers from a greater distance, it also means that transaction speeds will be faster. Extending the read range also means that consumers won’t need to align their NFC device as accurately when they conduct a transaction. .

Transactions 92

Transactions Volume Use Case ISOs 92

Stax

JUNE 17, 2025

Rowe pointed to the increasing popularity of subscription payments as a way to “allow for more stickiness” and “more convenience for the consumer.” Stax’s ability to control its own processing and bank relationships allows them to navigate these complexities and support partners in emerging use cases.

Payments 88

Payments ISVS Use Case On-Demand 88

Trade Credit & Liquidity Management

JUNE 24, 2025

The bank is among the first to allow corporate clients to send payments up to the new $10 million limit, driving new business-to-business (B2B) use cases. As of July 2024, businesses made up about 80% of RTP transactions, but 95% of payments were received by consumers, indicating untapped potential for higher-value B2B payments.

Real Time Payments 52

Real Time Payments B2B RTP Volume 52

Fintech Finance

JUNE 23, 2025

This initiative aims at enabling European citizens to send and receive payments seamlessly across the continent, for the benefit of both consumers and merchants. The aim is to cover all use cases (person-to-person and commercial payments both online and in-store) across the markets of the participating solutions.

Cross-Border 59

Cross-Border Payments Participant Use Case 59

Fintech News

JULY 2, 2025

Regulated under the EU’s Markets in Crypto-Assets (MiCA) framework and overseen by both the Finnish Financial Supervisory Authority (FIN-FSA) and the Monetary Authority of Singapore (MAS), USDG is now accessible to over 450 million consumers across 30 countries. It aims to accelerate adoption of stablecoins in real-world financial use cases.

Stablecoins 76

Stablecoins Compliance Authorization Consumer Protection 76

Fintech Finance

DECEMBER 16, 2024

This will provide seamless access to new digital use cases, such as Mastercard Card-as-a-Service (CaaS) and Bank-as-a-Fintech (BaaF) propositions to Saudi Arabia. As part of this mission, we strive to pioneer market-ready services and responsive platforms that cater to consumers’ needs.

Visa 98

Visa Non-Bank SWIFT Payments 98

The Payments Association

FEBRUARY 14, 2025

The idea behind open banking was to give consumers more control over their finances and encourage healthy competition in the financial services sector. The goal was to allow consumers to share financial data with trusted providers, offering more choices and better products. The open banking promise: What was it meant to deliver?

Credit Cards 88

Credit Cards IBAN Transactions Use Case 88

Fintech Finance

MAY 1, 2025

The future of commerce is on display at the Visa Global Product Drop with powerful AI-enabled advancements allowing consumers to find and buy with AI plus the introduction of new strategic partnerships and product innovations. In the near future, consumers will enable AI agents to browse, select, purchase and manage on their behalf.

AI 59

AI Credential Stablecoins Payment APIs and Integration 59

Bank Automation

JUNE 20, 2025

Citi’s embedded finance service, Spring by Citi, is looking to expand its use cases in payments acceptance and foreign exchange by tapping the consumer bank, Managing Director and Global Head of Spring by Citi Vineeth Subramanyam tells Bank Automation News on this episode of “The Buzz” podcast.

Embedded Finance 59

Embedded Finance Finance Use Case Payments 59

The Fintech Times

DECEMBER 6, 2024

One of the biggest challenges for crypto adoption has been its use cases. For many, it has simply been viewed as a volatile investment, but what if it could be used to make everyday purchases? Consumers will be able to use crypto as easily as cash or credit and merchants won’t need to pay high fees.

AI 72

AI Cryptocurrency Payments Ubiquitous 72

Neopay

JUNE 26, 2025

The UK Government has passed the Data (Use and Access) Bill through the House of Parliament, paving the way for expansion of open banking and smart data sharing across multiple business sectors. Other use cases could include the sharing of mortgage data to grease the wheels of the property market and provide the best deals on utility bills.

Finance 52

Finance Use Case Assessments Governance 52

Fintech Finance

JUNE 17, 2024

In this new role, Scott will oversee the company’s expansion into new markets, drive consumer engagement and accelerate the adoption of its innovative open banking solutions. Commenting, TrueLayer Co-Founder and CTO Luca Martinetti said: “Lisa’s exceptional track record in taking products to market and consumer engagement speaks for itself.

Consumer 95

Consumer Alternative Payment Methods PayPal Use Case 95

Fintech Finance

SEPTEMBER 9, 2024

Vendors must capitalise on this opportunity and offer merchants A2A-specific solutions that enhance consumer payment experiences like VRPs, improving satisfaction and rewarding repeated payments.” Therefore, as adoption and use cases develop, cost-efficient A2A payments are likely to disrupt the card-dominated US market.

Research 93

Research Transactions Consumer Instant Payments 93

Open Banking Excellence

NOVEMBER 9, 2023

Since Open Banking launched in January 2018, seven million consumers and businesses have used it. The number of adults using Open Banking in the UK represents around 10% of the adult population. A suboptimal allocation of fraud liabilities to ASPSPs and consumers. We have some way to go.

Use Case 130

Use Case API Fraud Prevention Risk 130

The Fintech Times

NOVEMBER 18, 2024

Customers will be able to set up a pool for free in the PayPal app and contribute to an existing pool at no cost using their PayPal balance or linked bank account. PayPal understands this and aims to make those moments easier,” explained John Anderson , GM, SVP of consumer at PayPal.

PayPal 64

PayPal Encryption CHIPS Use Case 64

Finovate

JUNE 16, 2025

The retailer would use the stablecoin for internal settlement, supply chain payments, employee payroll, and in-store consumer purchases. The retailer could use its own stablecoin to power consumer incentives such as rewards programs, marketplace settlements, and cross-border payments. 1) What is your use case?

Stablecoins 80

Stablecoins Settlement Multi-Currency Cross-Border 80

Fintech Finance

FEBRUARY 13, 2025

Zelle has announced that in 2024 the network reached 151 million enrolled users and helped American consumers and small businesses send over $1 trillionthe most money ever sent by a person-to-person payments service in a single year. billion, a 25% increase from the prior year.

Zelle 86

Zelle Credit Union Scams Small Business 86

The Payments Association

JANUARY 22, 2025

Airlines already have mobile boarding passes generated at check-in to expedite boarding, and some work has been done within the airline mobile application; United is a good example use case, eliminating a traditional ID requirement at check-in including baggage. Previously, these exchanges relied on in-person verification.

Security 88

Security Online and Mobile Banking Credential Verification 88

Fintech Finance

JUNE 11, 2025

million consumers nationwide, launched Kavinu to redefine BaaS by emphasizing direct relationships between fintech companies and banks. Versatile architecture – Cloud-native, API-driven technology layer adaptable to various business models beyond typical BaaS use cases.

Payment APIs and Integration 96

Payment APIs and Integration FinTech Credit Union ACH Origination 96