Finextra

JUNE 6, 2025

BNPL providers can offer personalized credit limits, reduce default risks with better scoring models and provide custom BNPL plans based on user history. The Paytm Postpaid superapp in India uses Paytm’s transaction data to determine BNPL eligibility.

BNPL 52

BNPL Technology Payment APIs and Integration AI 52

Finextra

JULY 14, 2025

For example, Brazil’s Nubank (one of the largest digital banks) offers a self-service model in which customers can do “everything from paying a bill or raising their credit limit to setting travel notices” via the app. Second, these bots leverage AI to handle multi-step requests that previously might have required an employee.

AI 71

AI Rules Online and Mobile Banking Non-Bank 71

PYMNTS

NOVEMBER 17, 2020

That’s one of the takeaways from a recent PYMNTS panel discussion with Visa ’s Director of Global Chip Product Tom Rapkoch , Keyno CEO Robert Steinman and Assistant Vice President of Digital Strategy and Innovation at Michigan State University Federal Credit Union Ben Maxim.

Credit Union 126

Credit Union Crime CVV2 Issuers 126

PYMNTS

DECEMBER 21, 2020

21) from its latest Survey of Consumer Expectations (SCE) Credit Access Survey , which showed most credit applications and acceptance rates falling sharply after February this year. The largest declines were from credit card and credit limit requests, with auto loans in second place.

Federal Reserve 119

Federal Reserve Fed Credit Union Service Organization Shutdown 119

PYMNTS

SEPTEMBER 29, 2020

Credit unions of various sizes were eager to roll out credit card innovation plans before the COVID-19 pandemic’s onset. Credit products often carry debt and fees, and consumers are generally less inclined to use such solutions when they are on uneven financial footing. Credit Innovation Planning Reset .

Credit Union 56

Credit Union Debit Card Credit Cards Innovation 56

PYMNTS

MARCH 29, 2020

New loan requirements are being put into place, such as boosting income verification, lowering available credit on new cards and going after consumers with higher credit limits. American Express has already started reeling in credit offers to smaller firms, according to the sources.

Office of the Comptroller of the Currency 79

Office of the Comptroller of the Currency Small Business Shutdown Credit Union 79

PYMNTS

NOVEMBER 15, 2019

Goldman Denies Discriminatory Apple Card Practices, Says It Will Reassess Limits. Goldman Sachs has promised to reevaluate how credit limits are determined for Apple Card users after being accused of gender discrimination. Code-named Cache, the accounts will be handled by Citigroup and a credit union at Stanford University.

Money Laundering 55

Money Laundering Push-to-Card Payments Credit Union 55