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Not because it’s free, but because the payments were seamlessly integrated into the apps you’re using. This is embeddedfinance at work, and it’s quietly transforming the way we interact with money – without most of us even realising it. Wait, What’s EmbeddedFinance? Why Is EmbeddedFinance Such A Big Deal?
Payment trends in Asia are changing how businesses and people transact from the digital-first economies of China and Singapore to the quickly changing markets of Indonesia and Vietnam. The shift toward digitised payments brings heightened concerns about cybersecurity, fraud, and regulatory compliance.
one of Europe’s leading financial services providers, reveals digital wallets and Open Banking as pivotal forces set to transform the payments landscape in 2025. The findings reflect an industry-wide shift toward faster, more adaptable payment methods that meet consumer expectations in an increasingly digital economy.
policymakers have sketched out the first federal framework for payment stablecoins. It classifies payment stablecoin issuers as regulated financial institutions, pulling them firmly under anti-money laundering and consumer protection rules. The GENIUS Act changes that virtually overnight. By passing this law, U.S.
In the rapidly evolving world of digital commerce, payment infrastructure is more critical than ever. While companies like Stripe and Adyen often dominate the conversation, Checkout.com has steadily built one of the most powerful and sophisticated payment platforms globally. Checkout.coms commitment to performance is evident.
Digital wallets, open banking and instant bank transfers are set to become the main forces transforming the payments landscape in the coming year, according to new research by payabl , the European financial service provider. As Europe’s SEPA Instant payment deadline approaches on 9 January 2025, industry readiness remains uncertain.
From digital payments to decentralised finance (DeFi), these companies are solving real-world challenges like financial inclusion and cross-border transactions, while setting new global standards for innovation. billion payments Coda 2.5 billion payments, gamification Airwallex 5.5 billion insurtech Matrixport 1.05
The agreement brings together OpenPayd’s API-based payment and banking services with Circle’s infrastructure for USDC, a dollar-denominated stablecoin issued by regulated affiliates of Circle. The primary goal of this partnership is to support cross-border transactions and digital asset operations for enterprise clients.
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.
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.
The global digital payment landscape is experiencing a period of explosive growth, with e-retail sales projected to approach $8 trillion by 2025. billion by 2027, with e-commerce businesses alone anticipated to incur an estimated $48 billion in losses to online payment fraud in 2023. billion in 2024.
It plans to leverage its Islamic finance industry experience via engagement with Connect IFA through events and webinars to raise awareness of its ethical finance products, designed in accordance with Islamic finance principles. Acquired.com, the next generation payments business, appoints Lee Clifton as chief operating officer.
This integration allows banks, fintech companies, and merchants worldwide to access an improved, scalable, and secure payment platform. The platform is built with RS2’s API and cloud-native architecture, which is integrated with Visa’s services, knowledge base, and global network.
Partnerships Klarna , the AI powered global payments network and shopping assistant, has partnered with Blackhawk Network (BHN), a global branded payments provider, to expand Klarnas Gift Card Store in Germany, Italy and The Netherlands. Torres has over nine years of SBA experience, including lending and credit underwriting.
Mastercard’s payment technology allows developers to safely test and refine new features and capabilities within a trusted and secure environment, without affecting critical infrastructure. Later in 2025, Mastercard intends to provide access to its A2A instant payments technology via a sandbox.
The global digital payment landscape is experiencing a period of explosive growth, with e-retail sales projected to approach $8 trillion by 2025. billion by 2027, with e-commerce businesses alone anticipated to incur an estimated $48 billion in losses to online payment fraud in 2023. billion in 2024.
Better real-time payouts in Canada By collaborating with the Canadian pay-by-bank provider, TerraPay’s network of money transfer operations can facilitate improved real-time payments to recipients in Canada.
Now that embeddedfinance is gaining traction, the spotlight is returning to a central question: how do you build financial tools that are both scalable and responsible, especially when they’re targeting companies without CFOs or financial teams? We're still in the early innings of embeddedfinance.
These tokens can be bought, sold, and transferred just like cryptocurrencies, but their value is tied to the price of the real-world stock. They shouldnt be confused with cryptocurrencies or ICO tokens that create a new asset out of thin air. For example, if a custodian holds 100 shares of MegaCorp Inc. of a share, if fractional).
The integration with Upvest’s API marks the company’s expansion into the domestic investment landscape, adding new asset classes for its retail user base. The move enables UK-based users of the Webull platform to invest in local equities with minimum investments starting at GBP 1.
And it’s all thanks to embeddedfinance and embedded fintech. Embeddedfinance isn’t entirely a new concept. Airline credit cards, payment plans for costly items, and car rental insurance are forms of embeddedfinance that have been around for a while. Everything is done under one platform.
Digital payments are transforming global financial systems, reshaping how individuals and businesses transact. In the fintech space, digital payments represent a major driver of innovation. The Rise of EmbeddedFinanceEmbeddedfinance is revolutionising the way businesses interact with financial services.
This week’s edition of Finovate Global features the latest fintech news from Germany, where investors are backing innovations in embeddedfinance, payments companies are taking advantage of open banking, and the green shoots of crypto spring are growing ever more apparent.
We provide products from payments and collection, FX and payout all the way to embeddedfinance to allow or empower any businesses to operate the whole financial and payments stack on top of our platform. Making payments, it’s very expensive and inefficient. We started the company in 2015. It’s also very slow.
. “We’re incredibly grateful for our investors’ support and their confidence in our mission to empower businesses across the country with embedded payroll solutions,” Nmbr Co-Founder and CEO Simon Bourgeois said. “With these integrated systems already gaining traction in the U.S.,
Customers will have access to the Faster Payments network in the UK and Single Euro Payments Area (SEPA) Instant payments for Euro-denominated deposits and withdrawals. The service will be fully embedded into Wirex’s infrastructure via OpenPayd’s single, developer-friendly API.
These companies include NFTgo, a NFT data aggregator; Call Levels, a real-time financial monitoring and notifications app; Coinpip, a cryptocurrencypayment provider; InvestaX, a tokenization software-as-a-service (SaaS) platform; and Wallex, a payment and cash management solution for businesses.
More than 500 SaaS platforms have integrated to MineOS’ no-code API. FRNZX – Tel Aviv, Israel-based FRNZX was founded by experts in cryptocurrencies, AML, and intelligence to empower AML compliance in the cryptocurrency sector. The investment takes the company’s total capital raised to $42.5
Digital payments have become such an integral part of our daily lives that it is challenging to imagine what our world would be like without them. Online stores can now start accepting payments for goods and services in a matter of days. What is a payment facilitator (PayFac)? What is PayFac-as-a-Service?
Aadhaar-enabled Payment Service (AePS) AePS, in India, enables individuals to conduct basic banking transactions like d eposits, withdrawals, balance inquiries, bill payments, etc. Electronic Clearing Service (ECS) ECS streamlines financial transactions by processing bulk payments electronically, saving time and effort.
The development is expected to provide Alpaca’s partners with secure and efficient access to multiple cryptocurrencies, powered by Kraken’s deep global liquidity and institutional-grade infrastructure, all through Alpaca’s unified Broker API.
Businesses and consumers alike are witnessing a seismic shift in how financial interactions are managed, from digital payments to sophisticated lending platforms. These digital-first banks offer tailored solutions like automated expense tracking and integratedpayment systems. Companies such as Klarna offer these services.
The growth in the forecast period can be attributed to AI and automation, open banking expansion, blockchain and cryptocurrency, globalisation of services, data security and privacy. Therefore, the increase in the shift towards digital banking and payments is driving the growth of fintech as a service market. Global Payments Inc.
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