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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 embeddingpayment processing, lending, insurance, and investment services directly into their platforms.
Emerging trends such as cross-border payment systems and open banking initiatives are breaking down traditional barriers, fostering greater connectivity and efficiency in Asias financial landscape. In 2023, credit card payments comprised 52.2% Indias Unified Payments Interface (UPI) is another backbone of embeddedpayments.
But launching your eCommerce store is just half the equationaccepting payments efficiently and effectively is a whole different ball game. On the surface, it seems effortless, with customers only taking a few seconds to initiate and complete payments. Its the bridge between an eCommerce website, its customers, and the bank.
When the economy grows, people and businesses spend more, fueling transaction volume and, in turn, payment processing activity. Conversely, slowdowns in GDP can signal tighter consumer spending, lower business investment, and reduced demand for financial services. Why does this matter for the payments industry?
However, in Kazakhstan, a country full of intrigue and contrast, you’d be wrong, as one QR payment method is the banker for the vast majority of the population. When looking at the emergence of super apps in Southeast Asia, the majority start as non-banks that eventually find a way into the financial services space.
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 embeddingpayment processing, lending, insurance, and investment services directly into their platforms.
From open banking to open finance and beyond: The future of financial data-sharing March 18 2025 by Payments Intelligence LinkedIn Email X WhatsApp What is this article about? The evolution of open banking into open finance, examining regional regulatory approaches and adoption trends. Why is it important?
The strategic implications for payments leaders centre on investment timing, vendor selection, and technology roadmaps that position organisations for both immediate efficiency gains and long-term market differentiation. Non-compliance penalties reach US$100,000 monthly, making investment in proper security infrastructure financially prudent.
Introduction In a recent Payments Labs session hosted by The Payments Association (TPA), senior leaders from TPAs Payments Leaders Group convened for an in-depth discussion on the most pressing developments shaping the payments industry. But open banking has struggled due to inconsistent API access from incumbent banks.
At the time, legacy card systems were slow, rigid, opaque, and deeply unsuited to app-based, on-demand businesses. Marqeta set out to solve these problems by building a flexible API platform for issuing physical and virtual cards on demand. They can set dynamic controls by transaction type, location, time of day, or account status.
Modern finance teams rely heavily on embedded finance, SaaS fintech software, finance APIs, and cloud-based platforms to run everything from payments to compliance to cash management. This guide covers the top 100 fintech tools across key categories including banking APIs, billing, KYC/AML, FX, crypto tools, and open banking.
From AI-driven compliance to the realities of scaling in the cloud, Temenos shares insights into whats influencing payments strategy in 2025, and where banks are still hitting resistance. Innovation in payments Innovation, Fennell says, is often about accelerating growth. All of that is part of innovating in the payment space.
Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Visa, Mastercard vie for Treasury role The two biggest card networks bid for a piece of the Treasury Department’s program seeking to modernize the U.S. payments system.
Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Fintechs blast JPMorgan over data fees The largest U.S. bank says it will begin charging the firms to access customer financial data amid an open banking court battle.
Indonesia and the Philippines lead in e-wallet usage, with 92% and 87% of respondents, respectively, using the payment method, especially QR payments and mobile payment apps. In 2021, e-money accounts surpassed bank accounts as the most commonly held financial accounts in the country.
This April, The Fintech Times is focusing on all things embedded finance, the integration of financial services into non-financial products and services. As the space rapidly develops, we look to highlight the latest developments, initiatives and challenges embedded finance has to offer and overcome across the globe.
Amid the ongoing digital revolution and shifting customer preferences, embedded finance is reshaping the financial industry. Banking has transcended its traditional confines, forging innovative partnerships that prioritise convenience and accessibility. Digital experiences are also increasingly synonymous with seamless experiences.
This April, The Fintech Times is focusing on all things embedded finance, the integration of financial services into non-financial products and services. As the space rapidly develops, we look to highlight the latest developments, initiatives and challenges embedded finance has to offer and overcome across the globe.
Any company that accepts credit cards for payments can charge a surcharge which would give them a new revenue stream. If their payment processing fees are only 2.3%, they generate 0.70% extra revenue on their total sales. Clearly Payments is a payment processor using the ISO model.
In a recent study conducted by Forrester on behalf of Fabrick titled, “Embrace Embedded Finance for Seamless Payment Success: A Spotlight on Europe,” valuable insights were obtained regarding the state of Embedded Finance across Europe.
When you think about financial technology, it is easy to think about solutions which are making payments faster, easier and more accessible. Ensuring no delays and no failures through An evolution of global marketplaces is going to catalyse payments according to James Butland , UK managing director, Mangopay , the licenced e-money solution.
Morgan’s extensive client relationships with Slope’s AI-driven B2B payment platform. This collaboration aims to provide corporate clients with improved short-term financing options and embeddedpayment solutions at the point of sale. The partnership brings together J.P. Working with Slope, our team at J.P.
Kani Payments, the global data reconciliation and reporting platform, announces a strategic partnership with issuer processing and core banking platform Pismo. The new partnership with Pismo means that Kani’s SaaS platform will now be available to Pismo’s global client base, including large banks, marketplaces and fintechs.
Store shelves would detect shoppers’ movements and dynamically change pricing based on demand and inventory on hand. As I wrote last week , in some sense, the payments industry got the retail industry all off track in pushing mobile wallets in-store instead of mobile wallets as a way of reducing friction online.
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 embeddingpayment processing, lending, insurance, and investment services directly into their platforms.
This is spurred on by the pressure to compete with non-bank players and address the shifting demands of enterprise retailers. Citizens is one of the few banks that offers installment loans akin to BNPL programs through Citizens Pay enabling consumers access to a revolving line of credit.
This environment offers immense growth potential, both professionally and for businesses, as the demand for innovative financial solutions continues to rise. One of the more challenging aspects of fintech is navigating the regulatory grey areas, particularly for non-bank financial services.
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Accounting practices include preparing financial statements, reconciling bank statements, and managing accounts receivable (AR) and payable (AP). This includes data entry, invoice processing, bank reconciliations, and payroll management, which can be completed seamlessly with AI-driven software.
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