Clearly Payments

SEPTEMBER 13, 2024

Payment orchestrators streamline the process of routing transactions to the most appropriate payment providers based on various factors such as cost, success rates, currency, and geographical location. Core Functions of a Payment Orchestrator Here we’ll cover the core functions that drive the core value of payment orchestrators.

Payment APIs and Integration 104

Payment APIs and Integration Multi-Currency Payments Gateways 104

The Payments Association

MARCH 18, 2025

For payments firms, integrating tailored insurance at checkout or as part of transaction flows presents a new value proposition and customer engagement lever, but also demands new risk management capabilities. Insurers now assess policyholders’ financial behaviouralongside payment patternsto adjust coverage dynamically.

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

PYMNTS

MAY 6, 2020

“COVID-19 is causing issues both for the cost structure of running an educational system, and on the families who are looking to send their kids off to study,” Massaro said, adding that schools must prepare for an array of scenarios based on possible student enrollment declines or a rise in students unable to make tuition payments.

Enrollments 64

Enrollments Cost Structure Adjustments Returns 64

PYMNTS

MAY 6, 2020

“COVID-19 is causing issues both for the cost structure of running an educational system, and on the families who are looking to send their kids off to study,” Massaro said, adding that schools must prepare for an array of scenarios based on possible student enrollment declines or a rise in students unable to make tuition payments.

Enrollments 63

Enrollments Cost Structure Adjustments Returns 63

Clearly Payments

JANUARY 10, 2024

It encompasses various elements, including the target customer segment, value proposition, distribution channels, revenue streams, key resources, and cost structure. Economies of Scale: Large payment companies enjoy significant economies of scale, allowing them to process transactions at lower costs per unit.

Processors 105

Processors ISOs Embedded Finance Payments 105

PYMNTS

NOVEMBER 19, 2020

The company also detailed how it has been able to achieve profitability, with COVID-19 triggering a surge in demand for its electric scooters and bikes as people across the world have sought out socially distant forms of transportation. 19), along with a bit of good news about the company’s bottom line.

Cost Structure 53

Cost Structure NOV On-Demand Posting 53

EBizCharge

JANUARY 14, 2025

Once youve evaluated your options, you should research emerging trends in the payment space to ensure your payment gateway meets consumer demands. In addition to keeping up with emerging trends, its also important to consider key factors like cost structures and integration capabilities when choosing your payment gateway.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Online and Mobile Banking 52

PYMNTS

MARCH 9, 2020

Founder and CEO Devin Wirt said the strength of the platform comes from its highly-customizable cost structure, allowing for variables in who pays. For instance, at a building with a high budget for community engagement, the manager may choose to offer five classes per months and unlimited on-demand massages.

Cost Structure 52

Cost Structure Agreements On-Demand Checks 52

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

The Payments Association

SEPTEMBER 30, 2024

The need for clearer breakdowns of these fees was a recurring theme, with all participants highlighting how complicated it is for merchants to make informed decisions about their payment strategies when the cost structures remain so unclear.

Fraud Prevention 88

Fraud Prevention Instant Payments Alternative Payment Methods Participant 88

PYMNTS

OCTOBER 13, 2020

The general things everybody wants — transparency, for example, or lower cost structures — are definitely on the map. And then, when everything was upended — and everything went virtual out of necessity — the sentiment echoed across Zoom calls globally: What can, and will — indeed must — change?”. Setting the Stage. Flexibility Is Key.

Treasury 76

Treasury Real Time Payments On-Demand FinTech 76

The Payments Association

MAY 16, 2025

These developments will impact merchant compliance, cost structures, customer experience, and operational risk. Key areas of impact include fraud prevention, card fee structures, accessibility standards, stablecoin usage, and the treatment of consumer data in evolving open finance ecosystems. Why is it important?

Regulations 88

Regulations ISO 20022 Cross-Border Legal 88

Trade Credit & Liquidity Management

APRIL 30, 2025

Flexible Cost Structure: Companies that can adjust costs in response to demand, such as by using temporary labor or scaling back overhead, are better positioned to maintain profitability during downturns. The key is to assess whether strong periods will generate enough cash to sustain the company through downturns.

Adjustments 52

Adjustments Cost Structure Assessments Shutdown 52

PYMNTS

MAY 5, 2016

Through our improved cost structure and expense disciplines, we delivered strong EBITDA in a challenging sales environment,” John Mackey, co-founder and co-CEO of Whole Foods, said in a statement. It was a good news/bad news earnings report for the much scrutinized Whole Foods market yesterday (May 4).

Cost Structure 40

Cost Structure Adjustments Returns On-Demand 40

PYMNTS

DECEMBER 17, 2019

While becoming one’s own ACH payment processor can significantly lower the costs of processing via a third party, as well as accelerate cash flow, McKee noted that ACH payment processing comes with its own host of challenges pertaining to compliance and client on-boarding. The Check-To-ACH Migration. Checks are clunky. ACH’s B2B Future.

ACH 52

ACH B2B Third-Party Service Provider ACH Processing 52

PYMNTS

FEBRUARY 14, 2020

In addition, the ability to receive additional benefits, such as overtime and paid leave, can drastically alter (and increase) the operational cost structure of these firms. The judge ruled that the benefits to the public outweigh the inconveniences that might be suffered by companies like Uber and Postmates. What’s next?

Rules 64

Rules Laws Economy Government 64

PYMNTS

FEBRUARY 14, 2018

The cost of funds rate was 6.5 Coming off an apparent change in the tide for the business, Breslow told investors the firm is expecting to drive double-digit loan growth in 2018 – buttressed by increasing demand, improved risk management and a “focus on scaling responsibly.”. percent, down from 16.9 Gross revenue increased to $87.7

Origination 40

Origination Cost Structure Small Business Fed 40

PYMNTS

MAY 20, 2016

The idea of curbside pickup is that shoppers are demanding the ability to get purchases however they want and wherever they want,” said Laura Kennedy, director of retail insights at Boston-based Kantar Retail. “A The data show that operating earnings from sales have declined by up to 25 percent as a result of a shift from in-store to online.

On-Demand 40

On-Demand Cost Structure Consumer Mitigation 40

FICO

SEPTEMBER 27, 2022

In order for banks to be successful with digitalization and the use of AI, a number of prerequisites must be met, which I would like to outline in this article. Thesis 1: Digitalization Requires New Skills. New technologies always come with new requirements on skills. Digitalization will also have an impact on the skillsets required in operations.

AI 52

AI Automation Consulting Process 52

EBizCharge

MAY 8, 2024

Cost structure: PayFacs may offer competitive pricing models due to their aggregated volume and often cater to niche markets. Cost structure: PayFacs may offer competitive pricing models due to their aggregated volume and often cater to niche markets. What is a PayFac (payment facilitator)? How does a PayFac work?

Facilitators 52

Facilitators ISOs Processors Payments 52

PYMNTS

OCTOBER 3, 2017

Banks, when it comes to small business, just aren’t really paying too much attention to them … from a cost structure standpoint, they just don’t make enough money dealing with them,” he said. Although they are often hailed as the backbone of the U.S. economy, SMBs have been struggling for the last two decades.

FinTech 43

FinTech Small Business Acquirers Addressing 43

CB Insights

JULY 17, 2017

On-demand grocery service Shipt employs local shoppers to do the buying and delivery of groceries to end users. In June, Amazon recently agreed to buy high-end grocery chain Whole Foods for $13.7B, a 27% premium on where it was trading the day prior. Amazon began its supply chain efforts by poaching many early employees from Walmart.

Cost Structure 33

Cost Structure On-Demand End User Origination 33

PYMNTS

MAY 6, 2016

Also an effort to friend investors, Alibaba’s CFO said that they would also begin to offer revenue guidance annually, and more details on new business cost structures and margins. Online Fraud. Problem – what problem? Snapchat’s new shoppable ads have put new meaning into the term “impulse purchase.” Bitcoin Creator.

Push-to-Card 40

Push-to-Card Online and Mobile Banking Bitcoin Consumer 40

CB Insights

AUGUST 22, 2018

These strategies benefit organizations looking to avoid vendor lock-in (dependency on one provider), increase application reliability, reduce costs, and/or leverage the best services that each cloud provider has to offer. The adoption and utilization of services from multiple providers is called a multi-cloud strategy. Concluding Sentiment.

Acquirers 60

Acquirers Database Continuity Product 60

Segpay

MARCH 10, 2025

Many gaming platforms are now integrating crypto wallets to cater to this demand. Buy Now, Pay Later (BNPL) Services BNPL solutions allow players to split purchases into manageable installments , making it easier to access premium in-game content without upfront costs.

Payment Gateways 40

Payment Gateways Gateways Payment Solutions Payment APIs and Integration 40

CB Insights

AUGUST 24, 2017

By taking over the entire construction supply chain process and applying new technologies, Marks notes, Katerra is cutting costs and increasing efficiencies across the construction value chain. If we missed any perspectives that you think are worth highlighting, please let us know in the comments.). The Commentary. ” 3.

Economy 35

Economy Technology On-Demand Government 35

PYMNTS

SEPTEMBER 9, 2020

The American healthcare system is sick — a story told in a runaway cost structure, subpar patient outcomes, frustrated physicians and what Sesame CEO David Goldhill called during a conversation with Karen Webster “315 million miserable stories about healthcare.”. to midnight Tuesdays and Fridays, etc., to see patients on Sesame.

Consumer 96

Consumer Cost Structure On-Demand Blocks 96

CB Insights

JUNE 3, 2020

Digitizing key value chain operations (like underwriting and claims management) will be essential to improve operational efficiency as insurers look to cut costs. While funding is down and certain sectors are hurting, others actually stand to benefit long-term from the pandemic. Take the payments sector.

Online and Mobile Banking 75

Online and Mobile Banking Volume On-Demand Underwriting 75

The Fintech Times

DECEMBER 22, 2024

With a growing demand for personalised financial services, the integration of blockchain and a focus on sustainable investment strategies, the wealth management industry is undergoing significant change. “AI will continue to transform the wealth management industry, providing customised insights. Youre buying a house on Zillow ?

Finance 107

Finance Advisors AI On-Demand 107

Fintech News

MAY 4, 2025

Cooking at home offers full control over every ingredient, but it demands time, skill, and effort. Ready-made solutions are built for scalability, deployed faster, and often more cost-effective, allowing businesses to adapt quickly and stay focused on what matters most: growth and customer experience. trillion by 2028.

APACS 62

APACS Payments Reconciliation On-Demand 62

The Payments Association

APRIL 14, 2025

It distils complex legislative changes into strategic insights, outlining whats in force, whats imminent, and what demands forward planning. Understanding whats coming allows payments firms to mitigate risk, meet compliance obligations, and capitalise on strategic opportunities in a shifting regulatory environment. What’s next?

Regulations 88

Regulations ISO 20022 Cross-Border Legal 88

The Fintech Times

NOVEMBER 15, 2024

Tokenisation also supports innovation, as it enables highly customisable investment structures, tailored to specific issuer and investor needs, and supports an efficient secondary market. Not only that, customers have huge arrays of investments to choose from – both traditional and alternative.

FinTech 78

FinTech Advisors CashApp Automation 78