PYMNTS

OCTOBER 3, 2017

Access to capital is the first, last and constant problem that small businesses experience in the day-to-day course of doing business. 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.

FinTech 43

FinTech Small Business Acquirers Addressing 43

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. The digital initiatives, according to the firm, are helping improve customer attrition rates.

Returns 40

Returns Cost Structure P2P Community Banks 40

PYMNTS

FEBRUARY 14, 2018

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.”.

Origination 40

Origination Cost Structure Small Business Fed 40

PYMNTS

DECEMBER 18, 2018

Companies, after all, are required to reimburse their employees — whether tied to small business (SMB) or large fleet operators — for business miles driven. As one firm, Motus , noted in its own take on the change, the IRS rate is geared toward low-mileage vehicle use, at less than 5,000 business miles logged annually.

IRS 59

IRS Compliance Cost Structure Legal 59

EBizCharge

MAY 2, 2024

This approach helps simplify merchants’ cost structures and can be advantageous if customers are comfortable with the pricing strategy. Transparency is critical, as business owners must align their practices with payment network guidelines and consumer expectations.

Credit Cards 52

Credit Cards Process Processors Legal 52

The Payments Association

MAY 16, 2025

These developments will impact merchant compliance, cost structures, customer experience, and operational risk. The FCA is expected to evaluate how the Duty applies in B2B contexts, especially where small businesses access financial services. Why is it important? What’s next?

Regulations 88

Regulations ISO 20022 Cross-Border Legal 88

EBizCharge

MAY 8, 2024

Cost structure: PayFacs may offer competitive pricing models due to their aggregated volume and often cater to niche markets. Simplicity and efficiency: PayFacs enhance the payment acceptance process, making it simpler and more efficient for small businesses to start accepting payments.

Facilitators 52

Facilitators ISOs Processors Payments 52

PYMNTS

APRIL 23, 2018

Traditional banks are starting to feel the disintermediation pinch by alternative lenders who lack their legacy infrastructure and cost structures and use digital-first, artificial intelligence-powered processes to underwrite risk and extend credit instantly.

Online and Mobile Banking 47

Online and Mobile Banking Consumer Product Point-of-Sale (POS) 47

CB Insights

AUGUST 22, 2018

By this time, Amazon already had 3 distinct cloud products as part of its AWS business — SQS, S3, and EC2. There won’t be 30 because scale really matters here in regards to cost structure, as well as the breadth of services, but there are going to be multiple successful players, and who those are I think is still to be written.

Acquirers 60

Acquirers Database Continuity Product 60

PYMNTS

APRIL 17, 2020

small businesses hit hard by the coronavirus pandemic. Administered by the Small Business Association (SBA) and processed through financial institutions (FIs), including banks and selected FinTechs, the program offers small- to medium-sized businesses (SMBs) loans worth twice their monthly payroll expenses.

Small Business 59

Small Business Community Banks Non-Bank Payroll 59