M2P Fintech

MARCH 24, 2025

For instance, the increase in use of digital and automated processes is likely to continue. This includes employing machine learning algorithms to automate parts of the loan application and underwriting process, as well as using digital platforms to facilitate communication between borrowers, lenders, and other relevant parties.

Payment APIs and Integration 52

Payment APIs and Integration Blockchain Regulatory Compliance Underwriting 52

Electronic Transactions Association

FEBRUARY 22, 2023

The report, Advancing Economic Inclusion—Empowering Underserved Communities with Fintech , highlights the innovative products and services revolutionizing the way commerce is conducted through safe, secure, convenient, and rewarding solutions.

Underserved 40

Underserved Online and Mobile Banking Financial Literacy FinTech 40

PYMNTS

DECEMBER 28, 2020

A rapidly changing world, he said, meant changes for MercadoLibre as well, particularly in its underwriting business MercadoCrédito. While other players pulled back, he said, Mercado pushed forward and accelerated its underwriting business. And so yes, we plan to continue to expand strongly our credit portfolio.

Underwriting 88

Underwriting Contactless Payments Consumer Underserved 88

Fintech Review

MAY 10, 2025

Until access to credit becomes more open and decentralised, banks will continue to shape who can participate in the economy. Fintech apps attract younger users, underserved populations, and digitally native businesses. Many banks now partner with fintech firms to improve onboarding, underwriting, KYC, or user engagement.

Central Bank 52

Central Bank FedWire Push-to-Card Regulations 52

Fintech Review

APRIL 11, 2025

Whether youre an entrepreneur, investor, policymaker, or simply curious, this guide offers a clear, structured overview of the fintech sector as it continues to evolve. They use alternative credit scoring methods and automated underwriting. Their technology reduces friction in both consumer and business transactions.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cross-Border 52

The Payments Association

MARCH 18, 2025

In India, telecom data is being leveraged to assess first-time borrowers, while in Kenya, mobile money transaction data is already driving credit underwriting for underserved populations.

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

PYMNTS

MARCH 10, 2020

To address this issue, risk assessments must be exceptionally accurate and utilize unstructured, as well as structured, big data inputs and machine learning techniques in this continually evolving environment. Trade Ledger [was] the perfect fit for our credit risk assessment solution,” said Gabriele Sabato, CEO of Wiserfunding.

Risk Assessment 52

Risk Assessment Assessments Risk Underwriting 52

FICO

MAY 7, 2018

A key driver of successful financial inclusion is the ability for lenders to effectively gauge the risk of an underserved consumer. Through continued innovation we have been able to refine our use of these alternative data sources and score even more previously unscored consumers. With FICO® Score XD in the U.S.,

Financial Inclusion 77

Financial Inclusion Innovation Credit Risk Underserved 77

The Payments Association

MAY 9, 2025

While lending remains a barrier, financial enablement, such as instant onboarding, merchant services, and access to global payments, is equally important for business continuity and growth. However, smaller firms often struggle to qualify due to tight underwriting standards.

Finance 88

Finance Cross-Border Payment APIs and Integration Real Time Payments 88

PYMNTS

NOVEMBER 3, 2020

We will continue to work hard to not only meet but exceed expectations and fulfill our responsibility to society.”. In a sign that the scrutiny might go on for a bit, Alibaba, which owns 33 percent of Ant, said through a spokesperson, “We will be proactive in supporting Ant Group to adapt to and embrace the evolving regulatory framework.

NOV 79

NOV Origination Small Business Non-Bank 79

PYMNTS

JULY 16, 2019

“We developed a unique underwriting platform based on alternative data points to evaluate credit risk. Lendbuzz is addressing a large and underserved market, has innovative technological underwriting capabilities and unique customer acquisition strategy that supports their high growth.”.

Finance 49

Finance FinTech Underwriting Credit Risk 49

Fintech News

JUNE 4, 2025

With a very clear mandate to serve the underserved, we have the natural appetite to try and test,” Pei-Si Lai, Group CEO of GXS Bank clarified. Pei-Si believes this type of contextual underwriting is key to unlocking access for underserved users, calling it a true example of credit innovation in action.

Underserved 73

Underserved Risk FinTech Underwriting 73

PYMNTS

FEBRUARY 11, 2019

With this financing from SoftBank and follow-on investment from Clermont, we will be able to continue scaling the group’s operations globally,” said Rishi Khosla, co-founder of OakNorth, in a press release. The technology is currently being used by institutions in Asia, North America and Europe.

Underserved 53

Underserved Underwriting Finance Origination 53

Fintech News

FEBRUARY 27, 2024

Rapid digitalisation, a young internet-savvy population, and underserved markets make the region ripe for fintech disruption. While discussions continue, the details of the IPO, such as its size and timing, are yet to be finalised. Despite global fintech funding nosediving to US$39.2

FinTech 123

FinTech Risk Federal Reserve Compliance 123

PYMNTS

SEPTEMBER 20, 2018

X Financial specializes in helping underserved prime borrowers and mass affluent investors in China by matching those borrowers with investors willing to loan them money. Technology serves as an advantage for X Financial, even beyond its underwriting engine. The company has facilitated 1.7 million loans, and has 1.3

P2P 66

P2P Credit Cards Online and Mobile Banking Credit Limit 66

The Fintech Times

AUGUST 15, 2024

Partnerships Arch Insurance, a global specialty insurer, has partnered with digital risk processing platform Cytora to further digitise its risk intake and streamline underwriting workflows. The Fintech Times Bi-Weekly News Roundup takes a look at the latest fintech stories from around the world on Thursday 15 August 2024.

FinTech 59

FinTech Advisors Payee Automation 59

CB Insights

OCTOBER 10, 2018

What these startups share is the goal of creating customer-centric banking products that target underserved individuals and businesses. Many of the startups disrupting banking are reaching customers who are either underserved by existing bank accounts or do not qualify to open an account (unbanked). Underbanked/Unbanked. Millennials.

Online and Mobile Banking 78

Online and Mobile Banking Debit Card Credit Cards Non-Bank 78

PYMNTS

JUNE 11, 2019

That disruption isn’t over, either, according to Axos Bank CEO Gregory Garrabrants, who spoke with PYMNTS about how a fluctuating industry will continue to affect SMBs in the area of lending, payments and beyond. “Consumer banking has become very commoditized, but small businesses are still very underserved.”

Office of the Comptroller of the Currency 60

Office of the Comptroller of the Currency Small Business Payment APIs and Integration Third-Party Service Provider 60

PYMNTS

JUNE 1, 2017

Capital One took the financial world by storm by focusing their efforts on identifying underserved customer segments and accurately understanding the risks associated with those customers. Another way we’ve overcome the challenge is by getting underwriters involved early in the process. PYMNTS: What is next?

Underwriting 40

Underwriting Small Business Risk AI 40

CB Insights

FEBRUARY 13, 2020

‘PayFac’ technology simplifies underwriting and onboarding. Additionally, the company must underwrite risk, and is on the hook in the event of fraud or returned items. ‘PayFac’ technology simplifies underwriting and onboarding merchants. Stripe continues to grow payments volume year over year.

Online and Mobile Banking 98

Online and Mobile Banking Payment APIs and Integration Payments Push-to-Card 98

PYMNTS

MARCH 12, 2019

As he noted, for the lenders themselves (alternative or traditional), “the cost to underwrite and service those loans is the same.”. We see their customers continue to show up. It’s about ‘how does data make our lives easier [via] sourcing through underwriting to monitoring?’”. Technology As Advantage.

Underwriting 40

Underwriting Deposit Account Underserved Adjustments 40

FICO

JULY 15, 2022

This was one of the contributors to the tremendous market expansion during the 90s which has continued to present day. It means the inclusion of credit markets that are less developed, where a larger part of the population is underserved. When the FICO® Scores were introduced in the U.S. For FICO, it means taking the technology global.

Financial Inclusion 52

Financial Inclusion Underserved Consumer Innovation 52

PYMNTS

MAY 10, 2017

When we were thinking about entering retailer financing, there was a huge underserved population of merchants and consumers, because there were many many merchants that didn’t have access to financing programs. We underwrite to credit worthiness instead of to a specific transaction.”. So what’s next?

Finance 51

Finance Online and Mobile Banking Consumer Underserved 51

PYMNTS

JUNE 15, 2018

CredAble provides supply chain financing for suppliers waiting for their invoices to get paid on its marketplace of FIs, though the company is also working toward providing loans to borrowers directly as it continues the application process to become a licensed non-banking financial entity. AYE Finance.

Cybersecurity 40

Cybersecurity B2B Non-Bank Finance 40

Payment Savvy

SEPTEMBER 5, 2024

It also streamlines a range of services that businesses depend on, from loan underwriting to real estate appraisals. By merging artificial intelligence with data about consumers, fintech companies can gain deeper insights into their customers, which in turn fuels the engines of marketing efforts for products and underwriting processes.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cryptocurrency 52

PYMNTS

MAY 15, 2018

Subprime customers — and the higher interest rates associated with underwriting their unsecured debt — were also served with a variety of products in the market. They are just vastly underserved. Prime customers and super-prime customers were in good shape of lenders vying for their business and loyalty. The Middle-class Gap.

Push-to-Card 46

Push-to-Card Non-Bank Credit Cards Consumer 46

FICO

JANUARY 5, 2023

Just in the last few months, both Freddie Mac and Fannie Mae announced that their respective automated underwriting systems will consider consumer-permissioned cash flow data in the assessment process that will provide key benefits for first-time homebuyers and underserved communities.

BNPL 52

BNPL CFPB Consumer Financial Protection Bureau (CFPB) Cybersecurity 52

CB Insights

DECEMBER 5, 2017

AXA has continued to be among the most active insurance corporate VCs in 2016 YTD with recent personnel additions in growth equity investing. Slice Labs had earlier entered into an underwriting partnership with Munich Re Digital Partners. Ping An/Ping An Ventures. Number of investments: 34. XL Innovate. Number of investments: 5.

Underwriting 28

Underwriting Cybersecurity Innovation Risk 28

CB Insights

JULY 16, 2017

Ping An’s venture arm continues to be among the most prolific insurers investing in startups today. Stated investment focus: Underserved risk markets, innovative approaches to risk underwriting, financial technology with application to risk underwriting. Ping An Ventures. Number of investments: 26. XL Innovate.

Underwriting 28

Underwriting Cybersecurity Risk Innovation 28

PYMNTS

MARCH 21, 2017

The situation in financial services, on the other hand, is the mirror image: “There’s a lot of missing minority data,” O’Neil continued. Up-and-coming players can work directly to address niches in the marketplaces because their focus in a specialized data set — and their success conditions are greater inclusion for the underserved.

Crime 45

Crime CFPB Push-to-Card Credit Cards 45

CB Insights

JUNE 17, 2020

Continuous & remote diagnostics. Life after Covid: Continuation or backlash? As infrastructure improves and these services become more familiar, telehealth tech, continuous and remote diagnostics, remote mental healthcare, virtual fitness, and aging-in-place technologies could continue to grow even after the pandemic subsides.

Posting 101

Posting Technology Online and Mobile Banking On-Demand 101

Lending Front

JUNE 29, 2021

Over the past year, the mission driving all CDFIs—delivering loans to small businesses in low-income, underserved communities—has become a topic of national interest, aligning with the priorities of the American government as it tries to rebuild our economy. The state of minority-owned small businesses.

Small Business 52

Small Business Underserved Automation Economy 52

PYMNTS

NOVEMBER 7, 2017

However, Tavares said the landscape is shifting, as LendingPoint and other alternative credit products lend their ears — and their money — to underserved populations. If you asked Burnside, neither were the chances of continued success if the personal loan model didn’t change. It’s a very real situation in the U.S., Here’s how.

Use Case 57

Use Case Small Business Finance Underserved 57

Fintech Review

DECEMBER 10, 2024

Automated underwriting further accelerates the approval timeline. By broadening the scope of credit evaluation, fintech is creating new opportunities for previously underserved businesses. Fintech solutions are changing this by prioritising speed and efficiency.

FinTech 102

FinTech Assessments Finance Non-Bank 102

Fintech Review

NOVEMBER 12, 2024

By joining forces, they can combine their strengths to improve financial services and reach underserved populations. These fintechs use technology to improve credit assessment and underwriting processes, making loans more accessible and affordable. Regulatory pressures also encourage these partnerships.

FinTech 105

FinTech Financial Inclusion Regulatory Compliance Compliance 105

PYMNTS

MARCH 7, 2016

Yes, the sobering reality of having to really make money has become an unwelcome wake-up call for those who masked the real value of their business with the never-ending piles of VC cash that just kept underwriting losses and kicked the revenue can way down the road. As a category, GPR continues to struggle.

Online and Mobile Banking 46

Online and Mobile Banking Payments Same Day ACH Financial Inclusion 46