Finextra

JUNE 23, 2025

Rethinking risk in the age of AI Traditional credit systems have failed billions of people globally—those without formal income, credit history, or access to mainstream banking. AdviceRobo has pioneered the use of psychometric data, behavioral analytics, and alternative data to assess risk far beyond FICO scores.

AI 52

AI Finance Payment APIs and Integration Embedded Finance 52

Fintech News

FEBRUARY 2, 2025

This includes pricing, instalments, multi-currency accounting, credit limits, interest calculations, exceptions, fees and commissions, authentication validity periods, risk operations, workflows, and more. Instead of hard coding, they create new products using flexible parameters.

Card Issuer 107

Card Issuer Issuers Multi-Currency Online and Mobile Banking 107

Trade Credit & Liquidity Management

JUNE 23, 2025

In B2B commerce, credit decisions aren’t just about approvals—they shape the health of your entire quote-to-cash (Q2C) cycle. They determine how fast deals close, how securely revenue flows, and how much risk you silently take on. One that sits in a silo far from the systems where real-time decisions are actually made.

CRM 52

CRM AI Risk Micro-Entry 52

Finextra

JULY 14, 2025

Banks that executed well saw improvements in customer loyalty, whereas those with generic one-size-fits-all digital experiences risked falling behind. Predictive models identified which customers might be shopping for a home, need a savings boost or be at risk of overdraft—and then proactively offered assistance or deals.

AI 71

AI Rules Online and Mobile Banking Non-Bank 71

Clearly Payments

FEBRUARY 5, 2025

Annual Fees Some credit cards come with annual fees, especially premium cards offering rewards and perks. Late Fees and Penalties Banks charge fees when cardholders miss payments or exceed their credit limit. Interchange Fees Banks earn a small percentage from every transaction made with a credit card.

Credit Cards 59

Credit Cards Processors Visa Acquirers 59

Trade Credit & Liquidity Management

JUNE 23, 2025

A well-run AR operation doesn’t just chase payments; it removes friction, prevents disputes, and improves visibility into risk. Below are six practical, high-impact strategies that finance and credit leaders can use to accelerate collections, reduce DSO, and drive cash performance, without compromising customer relationships.

UCC 52

UCC Disputes Push-to-Card Risk 52

Fintech Labs Insights

MARCH 13, 2025

Banking and Credit Risk: Ramps card is a charge card (balance due monthly) typically with a credit limit based on the businesss finances. Ramp partners with a bank (Synchrony Bank initially, now Citibank for issuance and credit facilities) to offer the card. Any economic stress on its customer base (e.g.,

Push-to-Card 29

Push-to-Card AI Finance Multi-Currency 29

Trade Credit & Liquidity Management

JUNE 9, 2025

When reviewing a company’s financial statements to determine an appropriate credit limit, there are a multitude of things to consider. A lower debt-to-equity ratio suggests a lower financial risk and greater creditworthiness. A higher Z-score implies a lower risk of default and higher creditworthiness.

Assessments 52

Assessments Credit Limit AI Risk 52

Trade Credit & Liquidity Management

MAY 28, 2025

A Request for an Unusually Large Order or an Increase in the Credit Limit: In these situations, be proactive. Be ready to ask questions and collect the intelligence needed to make a sound decision about credit limits and terms, all while building goodwill at the same time you are onsite.

Returns 52

Returns Liquidity Management Mitigation Credit Limit 52

PYMNTS

MAY 4, 2020

Nearly 50 million credit card customers in the U.S. said they have had their credit limit slashed or their card closed in the past month as lenders move to minimize their risk amid the COVID-19 shutdown, a new study revealed.

Credit Limit 97

Credit Limit Credit Cards Card Issuer Shutdown 97

Basis Theory

JUNE 25, 2024

Any electronic payment comes with inherent risk: the customer might be using a fraudulent card, forgotten they’ve overspent their credit limit, or end up firing up a chargeback in an instance of friendly fraud.

Risk 88

Risk Credit Limit Payments Transactions 88

PYMNTS

DECEMBER 23, 2020

Any FinTech disruptor, when it becomes so big, represents systemic risk,” he said. Howard Yu , director of the Swiss–based International Institute for Management Development, told PYMNTS that a restructuring may be on the horizon.

Credit Limit 96

Credit Limit Credit Cards Regulations Rules 96

FICO

FEBRUARY 7, 2022

Credit limit management is regarded as a key driver to profitable portfolios. Credit limit increase optimization (CLI) is a powerful tool to achieve portfolio goals. Credit limit increase optimization (CLI) is a powerful tool to achieve portfolio goals. The Power of FICO Credit Limit Increase Optimization.

Credit Limit 52

Credit Limit Issuers Credit Cards Assessments 52

FICO

DECEMBER 8, 2022

Addressing Portfolio Risk in Economic Uncertainty: Part 3 (2022). Building portfolio risk resilience into customer management. Lenders must adopt a similar mindset as they manage the financial health of their consumer lending portfolios to insulate their existing assets from potential portfolio risk volatility. Saxon Shirley.

Addressing 52

Addressing Risk Credit Limit Risk Management 52

FICO

MARCH 28, 2017

The company were asking me to advise them on the production of a ratings model, to help them rank their customers, old and new, for risk. For example, many industry sectors have bespoke credit reference agencies (such as Dynamar ) that offer risk grades and recommended credit limits.

Credit Risk 49

Credit Risk Risk Credit Limit Assessments 49

FICO

OCTOBER 19, 2022

UK Card Risk Trends: Summer Data Indicates Challenges Rising. FICO’s report of UK card risk trends for summer 2022 (June-August) paints a picture of inconsistent consumer behaviour and market patterns which will be challenging for lenders to manage as the cost-of-living crisis impacts financial spending and consumer finances.

Risk 52

Risk Credit Cards Advisors Card Issuer 52

FICO

JANUARY 21, 2020

Credit scoring is widely used in South Africa to determine the risk of credit applicants — using this kind of objective, precise measure of risk lets banks, retailers and other organizations lend with more confidence, which in turn means more people get approved for credit. About the Empirica Score.

Credit Risk 52

Credit Risk Risk Economy Origination 52

FICO

MAY 12, 2020

COVID-19 consumer spend is changing risk decisions. In Australia and New Zealand (A&NZ) retail credit was already navigating considerable significant, events requiring the attention and resources of the industry. At an aggregate level, Statistics NZ show that total monthly credit card billings in March fell 9.1 percent to $3.7

Risk 52

Risk Consumer Credit Cards Transactions 52

FICO

JUNE 11, 2021

Lenders must adopt a similar mindset as they manage the health of their consumer lending portfolios to insulate their existing book of business from potential risk volatility. Of course, credit risk is only one aspect of portfolio health. Two-layered risk appetite approach to customer management without FICO® Resilience Index.

Risk 52

Risk Addressing Consumer Financial Protection Bureau (CFPB) Credit Risk 52

Fintech Finance

SEPTEMBER 12, 2024

He will lead Nium’s global risk and compliance programs, ensuring both evolve and grow as regulatory expectations heighten. ” Doyle joins Nium with decades of risk and compliance experience, most recently Chief Risk and Compliance Officer for Zepz, one of the world’s leading remittance companies.

Compliance 98

Compliance Cross-Border Payments Cross-Border Best Practices 98

Trade Credit & Liquidity Management

MAY 8, 2025

In today’s risk-heavy business climate, Controllers are expected to do more than close the books. This leads to credit limit blind spots, reporting inconsistencies, and operational confusion. Fraud risk: Lack of verification opens the door to fraud. Inconsistent data entry: Formatting mismatches (e.g., "St"

Finance 72

Finance Duplicate CRM Audit 72

PYMNTS

SEPTEMBER 20, 2018

Banks offer credit limits to borrowers that would seem punitively low in much of the Western world, so there is a pent-up demand for online alternatives. That means the big opportunity for X Financial comes from the 400 million or so Chinese consumers who have credit cards, but are hampered by limits that are too low.

P2P 66

P2P Credit Cards Online and Mobile Banking Credit Limit 66

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

OCTOBER 20, 2020

This credit card use can certainly make for smoother shopping experiences, but it can also leave consumers vulnerable to various fraud risks, which can ultimately result in declined transactions or disputed charges. Most declines are triggered by banks verifying the legitimacy of transactions or consumers exceeding their credit limits.

Disputes 85

Disputes Transactions Consumer Credit Cards 85

FICO

APRIL 11, 2023

Home Blog FICO Are Student Loan Holders at Risk as Deferments Expire? The average of revolving/open-ended balances for credit score decreasers went up by nearly 80%, vs. going up by 10% among the total student loan population.

Risk 52

Risk Credit Limit Accounts Research 52

PYMNTS

JANUARY 14, 2021

Co-founded by Rao and fellow Twitter alum Siddharth Batra, the startup calls its product the “smartest credit card ever built.” The company said it “reimagines the credit card,” from how it looks to how credit limits are assigned. . Consumer borrowing dropped 19.6

Credit Limit 57

Credit Limit Credit Cards Participant Advisors 57

PYMNTS

NOVEMBER 9, 2020

Banks toughened their lending standards during the pandemic because of the risk of running out of funds. Major net fractions of banks also tightened important terms on credit card loans, including credit limits and minimum credit scores required.".

Fed 75

Fed Federal Reserve Rules Credit Cards 75

PYMNTS

MARCH 3, 2020

In a B2B relationship , establishing a new customer comes with a trove of complexities, from underwriting the client for credit, to establishing payment terms, to mitigating fraud risk. Mitigating risk and establishing clear payment terms from the outset is only the beginning of the AR optimization process.

Accounts 74

Accounts Underwriting Reconciliation Credit Limit 74

The Fintech Times

FEBRUARY 14, 2024

Spotlight on application woes Over the course of a year, lenders rejected credit applications for over nine million adults, with one in 20 individuals experiencing three or more declines. Multiple applications within a short timeframe can signal risk to lenders, potentially leading to continued rejection and inferior offers.

Credit Cards 59

Credit Cards Addressing Credit Limit Checks 59

PYMNTS

NOVEMBER 13, 2019

Goldman Sachs, in response to criticism that its algorithm for setting credit limits varies wildly between men and women, even if they are husband and wife (and the wife has a better credit score), said on Wednesday (Nov. He said he was given a credit limit ten times that of what she was given.

Credit Limit 47

Credit Limit NOV Regulations Risk 47

Fi911

JULY 8, 2024

Bust Out Fraud Bust out fraud is a method where fraudsters build up a credit profile over time, only to max out the credit limits on various accounts before disappearing. By providing risk management services and tools, regulators can help prevent fraud from damaging the eCommerce industry’s reputation and growth.

Account Takeovers 105

Account Takeovers Fraud Detection Phishing Fraud Prevention 105

PYMNTS

JUNE 24, 2020

The greatest value of fintech-driven financing lies in the use of big data to improve financing efficiency, risk control, and client experience,” said Johnny Tang, chief business officer of Qupital, in a press release. Alibaba Hong Kong Entrepreneurs Fund and MindWorks Ventures, investors in the company’s seed round, also took part.

Finance 68

Finance Cross-Border Agreements Credit Limit 68

PYMNTS

SEPTEMBER 24, 2018

The company touts its ability to provide startups with higher credit limits, reports noted, and does not place liability of the cards onto its clients’ founders. Acknowledging the high failure rate of tech startups, Brex takes on that liability.

Commercial Card 70

Commercial Card Request for Comment Push-to-Card Visa 70

Fi911

SEPTEMBER 12, 2024

It arises when a specific sum of money is temporarily reserved on the cardholder’s account, leading the seller to unknowingly hit the card’s credit limit. Temporary Hold This scenario can be somewhat complex. Temporary holds are often used by businesses such as hotels, car rental agencies, and entertainment providers.

Issuers 100

Issuers Push-to-Card Addressing Blocks 100

Fintech News

SEPTEMBER 4, 2024

Zed’s innovative offering will include a no-fee credit card with features such as no hidden charges for international use, zero-interest on purchases for up to 31 days, and an advanced app with real-time transaction monitoring and security features like card freezing and unlimited virtual cards for secure online transactions.

FinTech 117

FinTech Cross-Border Payment APIs and Integration Credit Cards 117

PYMNTS

SEPTEMBER 28, 2016

The company also starts new customers on varying credit limits, which fluctuate based on consumer behavior over time. “We We use credit limits very dynamically to make sure we make good decisions, especially for younger customers,” Velez said. “We Then, we can increase their credit limit, take a little more risk.”.

Security 67

Security Online and Mobile Banking Authentication Credit Limit 67

The Fintech Times

JULY 22, 2024

Many operations can now be automated, such as remote account opening, requesting credit limits, deposits, and brokerage accounts. . “They are adopting user-friendly web and mobile applications, significantly reducing service delivery costs. It’s a win-win.”

Adjustments 118

Adjustments Online and Mobile Banking Financial Inclusion FinTech 118