Finextra

JULY 22, 2025

This course offers an end-to-end perspective, covering topics such as the benefits of cryptocurrencies and stablecoins, the conversion process and settlement options, the role of exchanges, a comprehensive overview of the transaction cycle, and the business model and cost structure of a crypto PSP.

Settlement 52

Settlement Stablecoins Multi-Currency Payment APIs and Integration 52

The Payments Association

MARCH 18, 2025

The ability to integrate diverse data sources for real-time fraud detection and transaction monitoring will become a key differentiator in an open data economydirectly impacting cost structures and risk models for payments providers.

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

Finextra

JULY 14, 2025

This course offers an end-to-end perspective, covering topics such as the benefits of cryptocurrencies and stablecoins, the conversion process and settlement options, the role of exchanges, a comprehensive overview of the transaction cycle, and the business model and cost structure of a crypto PSP.

Stablecoins 52

Stablecoins Cryptocurrency Payment APIs and Integration Payments 52

Fintech Review

MAY 8, 2025

Businesses can route transactions dynamically based on geography, payment method preferences, cost structures, or success rates. Payrails must continue to differentiate through product depth, integration simplicity, and customer success. Challenges and Outlook The payments orchestration space is becoming increasingly crowded.

Global Payments 52

Global Payments Embedded Finance Payments Fraud Prevention 52

Nanonets

NOVEMBER 18, 2024

Continuous learning and model improvement 7. Cost structure preferences Is Textract's per-page pricing model working for your volume? ICR for handwritten text and low-quality images 4. Human-in-the-loop workflows for exception handling and validation 5. Customizable workflows and integration with existing systems 6.

Volume 52

Volume Automation AI Process 52

Fintech Finance

DECEMBER 2, 2024

Envision CU also wanted to utilize its ATMs for business continuity and exceptional customer service when its members need access to cash and essential financial services most, during the annual hurricane season. We look forward to continuing our work with Envision CU, modernizing their fleet and expanding self-service financial access.”

Credit Union 95

Credit Union ATM Cost Structure Cash Management 95

PYMNTS

MAY 4, 2016

To start, retailers need to reexamine the cost structures of their physical stores and infrastructure and become more efficient omnichannel operators to staunch the losses from extremely high online fulfillment costs.”.

Continuity 43

Continuity Cost Structure Returns Mitigation 43

PYMNTS

NOVEMBER 24, 2020

If I were to issue a million [physical] cards or provision a million cards on a phone, my cost structure is very different. Wain sees continued innovation in the credit space on the consumer side of the business. So mobile is an extremely important aspect that one has to consider as the new norm.”. Where’s The Growth?

Mobile Banking 124

Mobile Banking Credit Union FinTech Cost Structure 124

The Fintech Times

JUNE 26, 2024

“They are essential for attracting continued investment, scaling operations, and building lasting, valuable companies.” Established fintechs will continue to reap the lion’s share of the near-term benefits, while larger, more established banks will increasingly grow their share over time.

Embedded Finance 105

Embedded Finance FinTech Use Case Cost Structure 105

PYMNTS

AUGUST 2, 2019

Our second quarter results were stable, and strong growth in digital continued, with particularly impressive results in cross-border digital transactions. Europe, Australia were the strongest drivers All in 7 percent of total company revenue in the quarter. But, given the restructure, WU did lower its earnings guidance for the year.

Cross-Border 87

Cross-Border Cost Structure Adjustments Transactions 87

PYMNTS

OCTOBER 27, 2016

“Very high fulfillment costs, free shipping and returns and the challenging issues of refurbishing and getting returned product into a re-saleable state and location can add a substantial two percentage points or more to a retailer’s cost structure.

Cost Structure 63

Cost Structure Returns Authorization Addressing 63

PYMNTS

OCTOBER 5, 2016

Nordstrom was one of the first brick-and-mortar shops to offer free shipping and free returns, though, these days, it looks like it is working hard to tighten up its eCommerce operations and cost structure. The souped-up requirements come following Nordstrom’s closure of Trunk Club’s large Chicago-based fulfillment center.

Cost Structure 65

Cost Structure Returns Continuity 65

PYMNTS

OCTOBER 29, 2020

While FinTechs are increasingly competing directly with traditional financial institutions (FIs), they're also continuing to play the important role of collaborator. Plus, the U.S. moves closer to its own open banking rules that could further catalyze the bank-FinTech collaboration landscape. First Horizon Bank Adopts NCR Technology.

CFPB 81

CFPB Consumer Financial Protection Bureau (CFPB) Payment APIs and Integration Financial Crimes 81

PYMNTS

MAY 6, 2020

The cash flow implications on universities and colleges as a result of digital learning will continue to become more pronounced as the higher education system begins to develop a strategy for the upcoming semester. Universities need to develop flexible payment plans and must embrace tools to react to changing cost structures.

Enrollments 64

Enrollments Cost Structure Adjustments Returns 64

PYMNTS

MAY 6, 2020

The cash flow implications on universities and colleges as a result of digital learning will continue to become more pronounced as the higher education system begins to develop a strategy for the upcoming semester. Universities need to develop flexible payment plans and must embrace tools to react to changing cost structures.

Enrollments 63

Enrollments Cost Structure Adjustments Returns 63

Payment Savvy

MARCH 22, 2023

Understanding the break-even point helps businesses set realistic sales targets, assess the viability of their operations, and evaluate the impact of changes in cost structures or pricing strategies. This information can help businesses identify areas for cost reduction and optimize their production processes.

Cost Structure 52

Cost Structure Product Assessments Volume 52

PYMNTS

MARCH 20, 2020

It stands to reason that, as individuals lose their employment (even if paychecks continue as part of government programs aimed at fighting the economic impact of the virus), and they are faced with uncertainty, they will throttle back on spending. This is not an economic or financial crisis,” said Mielke.

ISVS 67

ISVS Risk Cost Structure Value Added Service 67

PYMNTS

JANUARY 18, 2021

Alimentation Couche-Tard said in a press release that “preliminary discussions around a transaction” were “no longer continuing,” but that the two firms opted to lengthen their discussions to examine partnerships, according to a statement. Ulta Beauty Reduces Staff Amid Pandemic.

Cost Structure 52

Cost Structure Transactions Continuity Consumer 52

PYMNTS

NOVEMBER 2, 2020

That option comes as Lyft and Uber might have to shoulder as much as $400 million in increased costs tied to the reclassification of workers — and that, per Khosrowshahi’s own estimate, the company may have to raise its prices by about 25 percent to as much as 100 percent.

Economy 85

Economy Laws Cost Structure Rules 85

PYMNTS

JULY 6, 2020

And the cash flow effects on institutions because digital learning will continue to become more apparent as the higher education system starts to devise a strategy for the semester to come.

Cost Structure 52

Cost Structure Returns Continuity Posting 52

Clearly Payments

JANUARY 10, 2024

As software companies continue to develop and expand their offerings, they have a unique opportunity to tap into this lucrative revenue stream by providing payment solutions to their customers. They want to easily pay anytime, anywhere, in whatever way they want. Revenue type refers to the specific ways a company earns money.

Processors 105

Processors ISOs Embedded Finance Payments 105

PYMNTS

DECEMBER 30, 2020

"Because few suppliers offer the best option for every need, relying on incumbent suppliers means companies may miss out on more unique expertise or cutting-edge capabilities," he said, adding, "costs may be higher because the go-to provider may be less motivated to negotiate on price or have a higher cost structure, making them less competitive.".

B2B 68

B2B RFP Cost Structure Service Provider 68

PYMNTS

JANUARY 31, 2018

In what was described by eBay as an effort to improve customer experience and offer sellers a more competitive cost structure, eBay announced news on Wednesday (Jan. Sellers on eBay, Cutler continued, can expect to see lower costs tied to payments processing.

PayPal 59

PayPal Payments Cost Structure Risk Management 59

PYMNTS

AUGUST 5, 2019

stocks had their worst weekly performance of 2019 and continued falling on Monday after China allowed its currency to fall to its lowest level against the dollar. CNBC reported that Microsoft , Apple , Amazon , Alphabet and Facebook — the five most valuable U.S. companies — lost a combined $162 billion on Monday (Aug. 1, the U.S.

Federal Reserve 43

Federal Reserve Cost Structure Research Product 43

PYMNTS

OCTOBER 18, 2016

In the best-case scenario, he continued, it is hard for retailers to “rapidly spool these orders up and get them out the door … It’s not easy.”. The genesis of that, answered Gilbert, stems from the in-store experience with physical cards and SKU numbers that did not have a variable cost structure. “On Then, There’s 51.

Cost Structure 70

Cost Structure End User Processors Research 70

PYMNTS

MARCH 11, 2016

We grew Adjusted EBITDA by 25 percent by successfully executing a number of key initiatives, while continuing to take advantage of the progress we’ve made to right-size our cost structure.”. Brandon and Toys”R”Us may be giddier with their turnaround than they let on.

Cost Structure 40

Cost Structure Adjustments Continuity Innovation 40

PYMNTS

FEBRUARY 28, 2017

Banking giant JPMorgan Chase will look to invest more money in its credit card business, continuing a trend of technology initiatives focused on mobile in the mid-term while eyeing returning cash to shareholders. Investments are continuing into the P2P space and via QuickPay with annual transactions most recently numbering 94 million.

Returns 40

Returns Cost Structure P2P Community Banks 40

PYMNTS

OCTOBER 28, 2020

“Plus casual is obviously a more challenged segment that's facing greater headwinds, but the Maggiano's team is doing a great job managing their cost structure and flow through,” CEO, President and Non-Independent Director Wyman T. Roberts said on an earnings call with analysts.

Cost Structure 40

Cost Structure Adjustments Continuity Consumer 40

The Payments Association

SEPTEMBER 30, 2024

Merchants need to continue adapting to new payment methods, collaborate with industry peers, and stay agile in balancing innovation and regulatory compliance. As the payments ecosystem continues to evolve with innovations like open banking, instant payments, and tokenisation, merchants are facing a host of challenges and opportunities.

Fraud Prevention 88

Fraud Prevention Instant Payments Alternative Payment Methods Participant 88

Clearly Payments

SEPTEMBER 13, 2024

This could further increase complexity and the need for continuous development resources. Typically, the cost structure includes a combination of the following: Monthly Subscription Fees : Many payment orchestrators charge a base monthly fee, which can vary based on the size and needs of the business.

Payment APIs and Integration 104

Payment APIs and Integration Multi-Currency Payments Gateways 104

The Payments Association

MAY 16, 2025

These developments will impact merchant compliance, cost structures, customer experience, and operational risk. The regulatory framework governing payments continues to expand in scope, with increasing implications for merchants operating in the UK and EU. What’s next?

Regulations 88

Regulations ISO 20022 Cross-Border Legal 88

PYMNTS

FEBRUARY 14, 2018

The cost of funds rate was 6.5 OnDeck noted that figure will likely continue to tick up during 2018, as the Fed is forecast to keep raising short-term interest rates. “To The economy and employment continue to be robust, and small business confidence is at its highest level in years,” he noted. according to OnDeck.

Origination 40

Origination Cost Structure Small Business Fed 40

PYMNTS

OCTOBER 10, 2019

economy and that a continued embrace of technology and outsourced receivables management is underway. Manufacturers may be focused on market share, while distributors are concerned with optimizing their cost structures. The inefficiencies have ripple effects.

Automation 46

Automation Cost Structure Cross-Border CRM 46

PYMNTS

DECEMBER 5, 2019

With card acceptance, vendors can get paid “significantly sooner” on a cost structure that is more affordable than the cost of factoring their outstanding invoices, while allowing clients to maintain their current DPO. Leavitt offered the example of suppliers being reliant on factoring to accelerate cash flow.

Faster Payments 53

Faster Payments Commercial Card ACH Payments 53

PYMNTS

OCTOBER 24, 2019

The other big news from Amazon’s Q3 earnings is the continuing progress — and accumulating costs — of the company’s push to offer one-day delivery for Prime members. The initiative, launched earlier this year , has already cost Amazon some $800 million, and will cost some $1.5 Delivery Investment. billion more in Q4.

Cost Structure 40

Cost Structure Returns Continuity Product 40

FICO

SEPTEMBER 27, 2022

Banks that are successful with digital processes monitor these processes closely and adjust them continuously. These questions will continue to require answers from expert staff. Artificial intelligence and digitalization promise to significantly improve the cost structure in retail banking. Conclusion.

AI 52

AI Automation Consulting Process 52