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Embedded finance is rapidly changing the way consumers and businesses alike interact with financial services. As traditional banking processes are replaced by more integrated financial solutions, companies across industries are embedding payment processing, lending, insurance, and investment services directly into their platforms. As The Fintech Times continues its focus on embedded finance in April, Sarah Koch , director of marketing and communications at Aevi , the in-person payment expert, ou
Struggling with cash flow forecasting? You're not alone. Many companies face challenges in consolidating data from various sources to create accurate forecasts. According to a survey, less than 25% of organizations rate their cash forecasting maturity as above average.Additionally, 22% of treasurers acknowledge their cash positioning capabilities need development.
Ant International’s WorldFirst has introduced the World Card , a new virtual Mastercard-enabled payment solution aimed at assisting SMEs involved in global commerce. The card is designed to streamline international transactions and help reduce operational costs for businesses. The World Card allows businesses to make payments in over 150 currencies across more than 210 countries and regions where Mastercard is accepted.
Expense management startup Ramp is being considered for a charge card pilot program by the U.S. governments General Services Administration, the company confirmed to TechCrunch on Thursday. The governments internal expense card program, dubbed SmartPay, is a $700 billion program.
Retailers know the clock is ticking–legacy SAP Commerce support ends in 2026. Legacy platforms are becoming a liability burdened by complexity, rigidity, and mounting operational costs. But modernization isn’t just about swapping out systems, it’s about preparing for a future shaped by real-time interactions, AI powered buying assistants, and flexible commerce architecture.
Ally Financial is exploring new internal use cases for gen AI and investing in client-facing digital capabilities. Digital-first Ally is focused on continued investment in new products to enhance consumers digital experience, Chief Executive Michael Rhodes said today during the $181.4 billion banks first-quarter earnings call. The bank is committed to disrupting the industry with […] The post Ally Financial invests in new gen AI use cases appeared first on Bank Automation News.
The growth of eCmmerce has transformed the retail landscape over the last two decades. But in 2025, how many online stores are there in the United States? The short answer: millions. The long answer is more nuanced. In this article, well unpack the real numbers behind U.S.-based online stores, explore how theyre distributed by size and industry, look at the platforms powering them, and examine trends shaping their future.
MoneyGram , a leading global payments network for consumers, businesses and communities, today announced a new partnership with Plaid , the data network powering the fintech tools millions of people rely on to lead a healthier financial life. MoneyGram customers in the United States can now use Plaid’s technology to help authenticate their bank accounts, enabling fast and secure funding for both domestic and cross-border payments.
MoneyGram , a leading global payments network for consumers, businesses and communities, today announced a new partnership with Plaid , the data network powering the fintech tools millions of people rely on to lead a healthier financial life. MoneyGram customers in the United States can now use Plaid’s technology to help authenticate their bank accounts, enabling fast and secure funding for both domestic and cross-border payments.
There are a few things a business can do withoutand a retail POS system isnt one of them. Its almost impossible to operate a modern business without one. Traditionally, POS was just a collection of hardware used to ring up sales, process simple transactions, and print receipts. Sometimes, the cashier entered the product and quantity manually. Today, POS systems have evolved.
Fifth Third Bank is gaining momentum from its tech investment, with an uptick in both digital and mobile adoption. Fifth Third in the first quarter reported 3.14 million active digital users, a 1.6% increase from the previous quarter and up 1.9% from Q1 2024. Active mobile users in Q1 were 2.4 million, up 1.3% sequentially […] The post Fifth Third sees mobile adoption rise appeared first on Bank Automation News.
The National Payment Corporation of Vietnam (NAPAS) has launched support for Apple Pay , allowing domestic cardholders to make contactless payments using their Apple devices. This enables users to pay in stores by holding an iPhone or Apple Watch near a compatible payment terminal, with authentication via Face ID, Touch ID, or a device passcode. Customers can also use Apple Pay for purchases in apps or on websites through their iPhone, iPad, or Mac, without the need to repeatedly enter payment o
Some House Financial Services Committee members are pressuring the Federal Reserve to reverse a proposal to lower the debit card fees that banks can charge.
Speaker: Michael Veatch, Senior Director, Implementations & Ella Aguirre, Director of Solution Consulting
Embedding payments can be a transformative step for software companies looking to enhance their platform capabilities, boost customer satisfaction, and drive long-term growth. However, the success of payments hinges on a single thing: implementation. Drawing on real-world insights and experiences, payments implementation experts Michael Veatch and Ella Aguirre will explore actionable strategies that can lead to a transparent, friction-free launch and mitigate potential challenges like technical
U.S. Bank today announced a new Spend Management platform to help businesses monitor, track, and control their card-based spending. A leader in business banking and payments, U.S. Bank is introducing the all-in-one spend management platform across its full portfolio of business banking credit cards to give business owners an alternative to using multiple tools.
Bank of America is reaping the benefits of AI investment to enhance its lending and deposits business. The bank today today reported $2 trillion in deposits in the first quarter, a 2.3% increase from Q1 2024 and its seventh consecutive quarter of deposits growth. Loan balances at the end of Q1 were $1.1 trillion, a […] The post Bank of America taps AI to power loan, deposit growth appeared first on Bank Automation News.
Embedded finance is rapidly changing the way consumers and businesses alike interact with financial services. As traditional banking processes are replaced by more integrated financial solutions, companies across industries are embedding payment processing, lending, insurance, and investment services directly into their platforms. The need for traditional banks to digitise has never been more apparent.
IDEMIA Secure Transactions (IST) has partnered with the National Payment Corporation of Vietnam ( NAPAS ) to help expand the country’s digital payments infrastructure. Through the partnership, NAPAS will integrate ISTs tokenisation technology into its domestic payment network, which connects over 40 banks. The move supports Vietnams growing demand for digital and contactless payments, particularly among younger, tech-savvy users.
Large enterprises face unique challenges in optimizing their Business Intelligence (BI) output due to the sheer scale and complexity of their operations. Unlike smaller organizations, where basic BI features and simple dashboards might suffice, enterprises must manage vast amounts of data from diverse sources. What are the top modern BI use cases for enterprise businesses to help you get a leg up on the competition?
Profile , a leading international financial solutions provider, has announced the implementation of its Core Banking solution, Finuevo Core , at Valletta Credit Finance Corporation Ltd, to automate and streamline payment processes, manage back-office operations and keep up with new technological advancements. The solution enables the institution to provide their existing clientele with the capability to perform credit transfers through their existing accounts with the platform.
Banking has entered a new era. What was once defined by branches, paper forms, and long queues is now shaped by apps , automation, and 24/7 access. To bank digital today is no longer a novelty, it is the default. From account opening to investment tracking, every core function of traditional banking now has a faster, more user-friendly counterpart online.
With national visions such as the Saudi Vision 2030 and We the UAE 2031 looking to drive the integration of environmental and social impact considerations into core business practices, PwC Middle East has revealed how sustainability is emerging as a key enabler of business excellence in its latest report. As governments and businesses across the Middle East drive forward their economic transformation agendas, PwC Middle East is exploring the role of sustainability in shaping future-ready busines
The percentage of U.S. credit card accounts past due for 90 days was the highest in 12 years during the fourth quarter, a Philadelphia Federal Reserve report said.
Build a sustainable merchant services portfolio with practical strategies to ensure long-term success. Diversify across industries to spread risk and stabilize income, balancing high-risk and low-risk clients for a robust mix. Combine large and small merchants to create a resilient payment portfolio, leveraging each type's strengths. Foster long-term relationships through exceptional service and personalized support.
Paysera , a financial technology company with 20 years of market experience, has announced a strategic partnership with iPiD, a global provider of payee verification solutions. This collaboration aims to strengthen Paysera’s Know Your Payee (KYP) processes and ensure compliance with new EU regulations requiring financial institutions to verify payee details before processing transfers in euros.
Currency risk management and alternative banking specialist Argentex announced French fintech Numeral as its strategic payment technology partner. The partnership will help Argentex optimize payment execution and give the firm advanced reconciliation capabilities. Headquartered in Paris, France, Numeral made its Finovate debut at FinovateEurope 2023 in London.
Over three million migrant workers living in Malaysia will now be able to remit funds to their home countries in local currencies in near real-time, following a new partnership between Instapay Technologies , the digital payment platform, and payment juggernaut, Mastercard. Rajnish Kumar, co-founder and CEO of Instapay Technologies Mastercard Move has a portfolio of money movement capabilities powering person-to-person and business payments to more than 180 countries worldwide in 150+ currencies
Speaker: Benjamin Woll, Tiffany Spizzo, and Jaime Santos Alcón
Enterprise commerce is at an inflection point. Rigid, monolithic platforms slow brands down, but a full replatforming is disruptive and costly. Modular architecture offers a flexible, scalable alternative - allowing enterprise brands to modernize without ripping and replacing their entire stack. Learn how a composable approach helps modernize commerce stacks while maintaining control over critical systems.
Pipe , a fintech company enabling embedded financial solutions for software platforms, today announced its strategic acquisition of Glean.ai , a leading AI-powered spend management company. With this acquisition, Pipe becomes the first embedded finance company to bring together embedded capital and spend management for small businesses via its partners.
Revolut Singapore has expanded its currency offerings by adding five new currency wallets to its app. Customers can now exchange and hold Chinese yuan (CNY), Vietnamese dong (VND), Moroccan dirham (MAD), Icelandic krna (ISK), and Serbian dinar (RSD). This update increases the total number of currencies available for holding and exchange within the Revolut app to 39.
The Fintech Times Bi-Weekly News Roundup takes a look at the latest fintech stories from around the world on Thursday 17 April 2025. Partnerships and acquisitions Card Present over Internet (CPol) provider, Burbank has today announced a major strategic partnership with global payments technology provider Transactility (creators of jPOS) to accelerate the adoption of CPoI across the banking sector.
Reputation is both an asset and a liability across every sector. This is especially true for financial institutions, as they rely heavily on consumer trust. However, in an era when the speed of information is accelerating, so is the risk of misinformation, public missteps, or brand erosion. In this Streamly interview, Valentina Kristensen, Corporate Affairs Director at OakNorth , joins us to share how banks and fintechs can strategically manage their reputations amid growing scrutiny from custom
Speaker: Brad Pinneke, VP of Business Development at Payrix and Worldpay for Platforms
In this webinar, Brad Pinneke, Vice President of Business Development at Payrix and Worldpay for Platforms, will dive into the 7 must-have criteria for evaluating payments partners, helping you maximize both efficiency and the long-term value of your investment. From assessing technology capabilities to leveraging business development opportunities, this session will give you a clear, actionable strategy to select the right partner for scaling your business.
Mollie , one of Europe’s fastest-growing financial service providers, has enabled Tap to Pay on iPhone for its Irish customers. This allows businesses of all sizes to use the Mollie app on iPhone to accept contactless payments without the need to purchase or manage additional hardware. Tap to Pay on iPhone – launched last month for Mollie’s 250,000 customers in The Netherlands, France and Germany – is now available to Irish merchants, allowing them to unlock the benefits
Despite a clear funding slowdown across global markets , Indias fintech sector continues to command significant capital, ranking as the third-highest funded fintech ecosystem globally after the United States and the United Kingdom. While the overall funding dropped from the 20212022 peaks, the sector remains resilient, with a handful of dominant players consistently attracting investor attention.
Negative-option billing is a billing model in which customers are automatically charged for a product or service unless they actively opt out or cancel within a specific window of time. This model is widely used in subscription-based businesses, such as streaming platforms, magazine subscriptions, and software services. For example, if you sign up for a one-month free trial of a streaming service and fail to cancel before the trial ends, you are automatically charged for the next subscription pe
Legacy systems, fragmented data, and operational silos have long challenged financial institutions trying to modernize. In this Streamly interview, R34DY CEO Mark Hetnyi shares his perspective on how banks and fintechs can overcome these barriers by building smarter, more connected digital ecosystems. Drawing from his deep experience in financial services and digital transformation, Hetnyi unpacks how to drive real change not just cosmetic upgrades across the industry.
The complexity of financial data, the need for real-time insight, and the demand for user-friendly visualizations can seem daunting when it comes to analytics - but there is an easier way. With Logi Symphony, we aim to turn these challenges into opportunities. Our platform empowers you to seamlessly integrate advanced data analytics, generative AI, data visualization, and pixel-perfect reporting into your applications, transforming raw data into actionable insights.
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