PYMNTS

DECEMBER 10, 2018

Apruve deploys a credit application and algorithm to provide a credit limit to business buyers at the online point of sale. Apruve underwrites all purchases made on net terms, allowing suppliers to be paid immediately while buyers have time to repay.

B2B 59

B2B B2C Payments Credit Limit 59

Fintech News

MAY 28, 2024

Founded in 2013, Nubank has expanded beyond Brazil into Mexico, with around five million customers, and Colombia, where it recently received approval to operate as a financing company. The Brazilian digital bank turned a net loss in 2022 into a US$1 billion net profit in 2023, with revenues exceeding US$8 billion.

APACS 128

APACS Financial Inclusion Online and Mobile Banking Disaster Recovery 128

Wharton Fintech

OCTOBER 12, 2023

Inspiration for innovation at Finley: consumer credit and technology on the equity fundraising side Jeremy: We actually look to innovation that’s happening in the consumer credit space. Others are pretty skeptical; like a lot of other areas, financial services might be the laggard or late adopter when it comes to the newest tech.

Agreements 130

Agreements Use Case Rules FinTech 130

PYMNTS

FEBRUARY 20, 2020

Yet, without the resources to invest in finance teams, many firms simply maintain the status quo of unaudited spend, the end result being a lot of wasted spend. “Businesses are at the point where they’re maximizing their key product offering[s], trying to grow revenue and their finance teams are stretched.

Commercial Card 56

Commercial Card Duplicate Underwriting Transactions 56

PYMNTS

OCTOBER 21, 2019

Accounting platforms are increasingly positioning themselves at the center of the small business ecosystem,” he said, adding that this evolution “makes a lot of sense” with many companies considering the accounting portal the “single source of truth” for company finances. feel like a second job.”. feel like a second job.”.

Small Business 40

Small Business Payment APIs and Integration Underwriting Value Added Service 40

PYMNTS

OCTOBER 24, 2019

The latest in commercial card innovation reflects that, with new solutions ranging from cards designed for small businesses with high travel spending to products designed with more flexible credit limits for cash-strapped startups. T&E Goes Virtual. Amex Embraces Open Banking.

Commercial Card 40

Commercial Card Small Business Credit Limit B2B 40

FICO

JANUARY 10, 2017

Consumers that experienced a foreclosure in the last 24 months, had a 90-day delinquency or have collections only on file will not make it through the mortgage underwriting process given existing policies. So, the reasonable question now is: Do these consumers have sufficient credit experience to handle a 30-year mortgage?

Research 81

Research Consumer Risk Assessment Risk 81

PYMNTS

JUNE 25, 2018

When a startup owner mixes personal and business finances , the negative consequences can go in multiple directions. “Firstly,” he said, “personal credit scores can be affected, which could put the founder’s (or their family’s) credit in jeopardy if the company ever faces financial issues.”

Credit Cards 52

Credit Cards Commercial Card Small Business Assessments 52

The Fintech Times

OCTOBER 30, 2024

Time to rethink access barriers Ivo Gueorguiev, co-founder of Paynetics “HSBC’s recent move to accept overseas credit histories for UK mortgages is a strong start, but real financial inclusivity needs broader, tech-driven solutions,” explains Ivo Gueorguiev , co-founder at payment service provider Paynetics.

Financial Inclusion 59

Financial Inclusion Embedded Finance Non-Bank Consumer 59

M2P Fintech

FEBRUARY 28, 2025

Whether its personal loans, SME financing, auto loans, or BNPL (Buy Now, Pay Later), todays Loan Management Systems are built to handle the complexities of modern lending while ensuring efficiency, compliance, and seamless customer experiences. Benefits Enhanced flexibility and control over finances for customers. Billion by 2029!

Payment APIs and Integration 52

Payment APIs and Integration Assessments Compliance Best Practices 52

CB Insights

DECEMBER 4, 2019

Bill Me Later was one of the earliest fintech payment platforms on the market and gave big retailers the ability to offer flexible financing programs. Amazon Lending initially launched in 2011 to help small businesses finance and sell more goods on Amazon. In 2007, the company also invested in Bill Me Later (fka I4 Commerce).

Online and Mobile Banking 101

Online and Mobile Banking Push-to-Card Payment APIs and Integration Non-Bank 101

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. Habgood said that, as the credit markets are currently designed, these consumers must often choose between two imperfect options.

Push-to-Card 46

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

PayHawk

APRIL 18, 2023

Credit Limit The maximum amount that a cardholder can charge within their credit range. K Know Your Customer (KYC) The process of verifying the identity and background of a customer, typically required for compliance with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.

Process 52

Process Card Issuer Online and Mobile Banking Issuers 52

Fintech Labs Insights

OCTOBER 14, 2021

The Brex card’s unique feature is its high credit limit for startups. The startup underwrites the care, not with credit history, but with cash in the bank. High-limit (non-revolving) charge cards (based on bank account balance, not founder(s) personal credit history. Venture debt financing.

FDIC 15

FDIC Card Issuer Non-Bank Credit Cards 15

Fintech Labs Insights

MARCH 14, 2019

Underwriting : Brex’s key value prop, at least compared to bankcards, is vastly higher credit limits. Similar to American Express, the sky is the limit on the amount of credit extended. It has nothing to do with personal credit scores, and all to do with revenues, cash flow, and bank balances.

Underserved 12

Underserved Credit Limit Underwriting PayPal 12