Finextra

JUNE 2, 2025

In practice, this means banks expose certain data (like account balances or transaction history) through open APIs, but only when you, the customer, give consent. The result was an explosion of fintech apps offering budgeting, lending, payments, and investment services that leverage multiple banks’ data.

Finance

The Fintech Times

APRIL 24, 2025

Versapay , an Accounts Receivable (AR) platform, has appointed Elizabeth Bramlage as chief marketing officer.With over 15 years of experience leading marketing for high-growth fintech and payments companies, Bramlage most recently served as CMO at ComplyAdvantage , a global provider of financial crime compliance technology.

FinTech

Open Banking Excellence

JULY 8, 2025

has made significant strides in the voluntary adoption of APIs for data sharing. With over 76 million consumer accounts now using its APIs, the standards body Financial Data Exchange (FDX) has achieved the largest customer adoption globally. This is primarily due to smaller banks lagging in API adoption.

Regulations

Finextra

JUNE 6, 2025

However, as the industry flourishes, so inevitably do the risks ranging from fraud to late payments. Affirm has introduced dynamic payment schedules in the US, while Riverty in Germany uses AI-driven tools to predict user behavior and optimize repayment plans. on an annual basis to reach US$560.1 billion in 2025.

BNPL

Finovate

APRIL 22, 2025

Flix Flix enables financial platforms to offer seamless cross-border payments via WhatsApp, combining embedded finance with a fast, familiar, and conversational user experience. Banks, credit unions, community banks, wallets, and digital banks. Banks and credit unions.

Credit Union

Finextra

JUNE 30, 2025

Regional banks and credit unions also started leveraging AI-as-a-service from cloud providers (e.g., This aligns with EY’s European FS AI Survey, which reported that 91% of UK financial firms have integrated AI into their operations to some degree.

AI

Stax

NOVEMBER 13, 2024

Understanding ACH credit payments means understanding the way in which different types of ACH payments are processed in the US banking system. ACH credit payments differ from ACH debit payments and both are distinct from credit and debit card payments. Learn More What are ACH Credit Payments?

ACH

Finextra

JULY 14, 2025

Regional banks also saw success: First Horizon Bank’s marketing team integrated AI to predict client needs and personalize messages, reporting “promising results” in deepening customer relationships. Meanwhile, in the UK, both incumbents and digital challengers invested in personalization. We use cookies to help us to deliver our services.

AI

Finovate

APRIL 17, 2025

Features Enhances security with passwordless, privacy-preserving biometrics Reduces fraud and support costs Implements with easy pre-integrated, device-agnostic technology Who’s it for? Banks, credit unions, and fintechs. Accelerates API adoption Reduces integration time Improves time to revenue Who’s it for?

Payment APIs and Integration

Finextra

JUNE 7, 2025

" The pressure to integrate AI solutions is becoming intense, and organizations that have missed early adoption windows are increasingly turning to external vendors for quick fixes. As the saying goes, "AI may not be coming for your job, but a company using AI is coming for your company."

AI

Finextra

JULY 4, 2025

Enabling banks and credit providers to automate large parts of their workflows, the MOGOPLUS agentic credit decisioning suite dramatically lowers loan origination costs, and facilitates quicker, more accurate lending decisions.

AI

Fintech Weekly

JUNE 10, 2025

Here’s how mature teams integrate reviews into their CI/CD pipeline: Pull Request Process: Developers submit changes via pull requests, which trigger automated tests and a review workflow. Businesses, including credit unions, banks, payday and mortgage lenders mainly use it. Too much friction, and you slow down velocity.

Blockchain

PYMNTS

NOVEMBER 27, 2019

In addressing the innovation gap that exists between credit unions and their larger financial institution (FI) brethren, credit unions (CUs) may be perceived to be at a disadvantage, at least when it comes to dollars. Fortunately, technology in general has become simpler to integrate and cheaper to buy.

Credit Union

PYMNTS

APRIL 29, 2020

The April 2020 New Payment Flows edition of PYMNTS’ Credit Union Innovation Playbook series, a PSCU collaboration, looks into the credit union (CU) space at a pivotal moment: Many concepts, from eating to shopping to traveling and, of course, how we pay, have changed forever. A Members-First Mentality.

Credit Union

PYMNTS

SEPTEMBER 22, 2020

This week's look at the latest in open banking initiatives shows creativity in how FinTechs, credit unions (CUs) and banks wield data integrations for the benefit of corporate end users, from streamlined credit underwriting to automated expense management. ClearBank Dives Into Multicurrency Accounts Via API.

Use Case

Finovate

AUGUST 8, 2024

Happy Money will use Method’s financial liability connectivity APIs to help credit union members better manage credit card debt. Happy Money , an unsecured loan provider that works with credit unions, has forged a strategic partnership with Method Financial.

Payment APIs and Integration

PYMNTS

AUGUST 29, 2019

The market share of credit unions is only a fraction of their larger bank counterparts, but they tend to inspire a greater sense of loyalty among customers. Data from PYMNTS’ Credit Union Innovation Index found that 60.8 Data from PYMNTS’ Credit Union Innovation Index found that 60.8

Credit Union

Wharton Fintech

OCTOBER 30, 2023

Narmi’s Co-Founder Nikhil Lakhanpal — building an API-driven digital banking platform In today’s episode, Kailee Costello hosts Nikhil Lakhanpal , Co-Founder at Narmi. There are many integrations, there are many pieces of functionality you can add on. What’s your next loan payment due? So obviously, it gets way more complicated.

API

PYMNTS

DECEMBER 29, 2020

The benefits of instant payment services are gaining attention from companies that want to be able to transact with better visibility and cash flow information. Enabling rapid-fire transactions to become the norm requires a critical mass of banks and credit unions (CUs) adopting these rails, however.

Faster Payments

PYMNTS

MARCH 22, 2019

Apple has reportedly acquired API integration developer Stamplay for 5 million euros ($5.678 million). The Rome-based startup won a contest to make the best use of new Visa APIs, according to Venture Beat. In fact, it is expected to expand the service with a self-branded credit card next week.

API

PYMNTS

FEBRUARY 6, 2020

Meanwhile, the Monetary Authority of Singapore (MAS) continues to drive financial services innovation through the availability of banking licenses for FinTech firms, with a focus on exploring the opportunities for application programming interfaces (APIs) to expand the market’s Open Banking capabilities. Nacha Unlocks Payments Data.

Payments Data

Fintech Finance

SEPTEMBER 4, 2024

Jack Henry (Nasdaq: JKHY) has announced a collaboration with Moov , a modern digital payments processor, to enable community and regional financial institutions to offer enhanced digital payment services to small and medium-sized business (SMB) customers. Banks and credit unions are increasing their focus on small businesses.

Small Business

PYMNTS

SEPTEMBER 25, 2018

We are doing and offering the same things to credit union members as an industry, but we need to be mindful that we actually have to socialize our members to know this — and know that we are using all kinds of advanced tools to battle against fraudsters,” Buzzard said. Optimizing For The Consumer. Building For The Organizations.

Credit Union

PYMNTS

MAY 3, 2018

Cross-border small business payments company Veem is partnering with America’s Credit Union (ACU) to expand its reach to small business (SMB) customers. ACU will link its SMB clients to Veem’s global payment services, the companies said in a press release on Wednesday (May 2).

Credit Union

PYMNTS

JANUARY 2, 2020

Today, CO-OP Financial Services Chief Technology Officer Pam Brodsack said, a customer can do that — and a whole lot more — from within the confines of their mobile app from just about any place on earth due to the power of application programming interfaces (APIs). . Consumers need real-time access to their data.

API

PYMNTS

OCTOBER 16, 2020

It’s been three years since The Clearing House rolled out its Real-Time Payments (RTP) network, but Mark Ranta, payments practice lead at Alacriti, tells PYMNTS that 2021 will be the year FIs migrate to the technology in record numbers. Making Real-Time Payments A Reality. Consider a typical credit card purchase.

Real Time Payments

PYMNTS

MAY 3, 2018

According to Bruce Parker, CEO of cloud-based payment utility Modo , the chief obstacles to implementing today’s innovations are those of yesterday. Parker’s take is reflective of PYMNTS’ latest Innovation Readiness Playbook research, which revealed that outdated IT infrastructure remains a significant roadblock for payments innovation.

API

PYMNTS

AUGUST 6, 2020

Also seen in this week’s roundup of the latest in open banking and bank-FinTech collaborations is an emerging use of application programming interfaces (APIs) to enhance payments via both new and legacy rails. ’s Faster Payments real-time payments system. Orum Launches Real-Time Service For FIs.

FinTech

PYMNTS

SEPTEMBER 18, 2019

Open banking has opened the path toward a number of banking/FinTech and digital partnerships leveraging APIs to speed innovations. The companies said that the pact lets Horde gain access — through a single point — to the API network offered via Neonomics, with data across 1,300 banks.

API

PYMNTS

MARCH 26, 2020

To regain some of that ground, Connie Davis, senior vice president at FIS , told PYMNTS in a recent interview, FIs — particularly credit unions (CUs) and community banks — must transform the way they think about digital offerings and connected experiences. That means they can compete more effectively against digital-only competitors.

Payment APIs and Integration

PYMNTS

NOVEMBER 5, 2020

Meanwhile, Prime Trust launches a new portal for banks to manage crypto, and Radius Bank releases its own API-powered developer sandbox. StreetShares offers small business lending technology for banks and credit union. Prime Trust Debuts Fractional Assets Platform For Banks. Wise Raises Funding For Embedded Biz Banking.

FinTech

The Fintech Times

DECEMBER 10, 2023

“The anticipated increase in adoption, diversification of services, and the continued growth of open banking payments signal a significant transformation in the financial sector. “Regulators and policymakers are also taking note of the transformative power of open banking payments. .

Payment APIs and Integration

Fintech Finance

JUNE 25, 2024

Finzly”), a leader in innovative payment and financial solutions, today announced a partnership with Frost Bank , a subsidiary of Cullen/Frost Bankers, Inc. headquartered in Texas, to deliver instant payments capabilities to the banks global business and consumer customers through the Federal Reserve’s FedNow® and The Clearing House’s RTP®.

FedNow

PYMNTS

NOVEMBER 24, 2020

This week's look at the latest in bank-FinTech collaborations explores how a range of banks is turning to partners and API connectivity to enhance small business services, from lending to payments. Also focused on unlocking bank data is Visa, which recently announced a partnership with API provider Codat in Europe.

Payment APIs and Integration

PYMNTS

DECEMBER 31, 2020

The demand for faster payments is growing as companies look for swift, data-rich ways to transact. One study from 2019 found that 54 percent of 120 financial executives listed real-time payments as one of the most impactful emerging technologies, for example. Direct Connection Versus Third-Party Provider.

RTP

Finovate

SEPTEMBER 4, 2024

Jack Henry is teaming up with payments platform Moov to offer enhanced payment services to SMEs. The services will include the ability to accept payments with the tap of a phone, automate reconciliations to accounting software systems, and more. The companies will begin beta testing the new payment services by mid-2025.

Payment APIs and Integration

FICO

AUGUST 19, 2022

Tackling the Fintech Threat: A Guide for Banks and Credit Unions. billion globally in 2021 – banks and credit unions are losing their status as the primary financial services providers to American consumers. This makes BNPL a dangerous competitor to banks’ payment and unsecured lending products. by Darryl Knopp.

Credit Union