Finovate

DECEMBER 16, 2024

Capitalise, a business finance platform based in the U.K., has forged a strategic partnership with data and open finance network Plaid. The collaboration integrates Plaid’s open banking services with Capitalise’s Instant Offers to simplify and streamline small business funding. are embracing open banking technology.

Small Business 59

Small Business Non-Bank Risk Assessment Finance 59

Stax

AUGUST 20, 2024

And it’s all thanks to embedded finance and embedded fintech. Embedded finance isn’t entirely a new concept. Airline credit cards, payment plans for costly items, and car rental insurance are forms of embedded finance that have been around for a while. Everything is done under one platform.

Embedded Finance 88

Embedded Finance Finance FinTech Payment APIs and Integration 88

PYMNTS

OCTOBER 19, 2020

Although the COVID era continues to have an outsized impact on small businesses, frontline lending experts say SMBs have recently begun to catch a break when it comes to getting loans through FinTechs and other non-bank lenders. In contrast, the big banks have gone in the other direction.”. Narrowing The Gap .

AI 120

AI B2B Underwriting Non-Bank 120

Stax

NOVEMBER 14, 2024

And yet, accepting non-cash forms of payments is more or less required to operate a modern business, at least in the U.S. They include: the merchant, cardholder, card associations, acquiring bank, issuing bank, and payment processor. Acquiring Bank: The business’ (i.e., merchant’s) bank.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Payment APIs and Integration 88

PYMNTS

APRIL 9, 2019

While use of trade finance continues to climb, the International Chamber of Commerce ‘s Banking Commission has warned the financial services market that small and medium-sized business (SMB) access to trade finance is disproportionately low, as large financial institutions (FIs) pull back from the SMB borrower segment.

Finance 63

Finance Underwriting Risk Mitigation Mitigation 63

M2P Fintech

MARCH 24, 2025

This includes employing machine learning algorithms to automate parts of the loan application and underwriting process, as well as using digital platforms to facilitate communication between borrowers, lenders, and other relevant parties. For instance, the increase in use of digital and automated processes is likely to continue.

Payment APIs and Integration 52

Payment APIs and Integration Blockchain Regulatory Compliance Compliance 52

The Fintech Times

JANUARY 17, 2024

Practically everyone in finance agrees that AI can impact every aspect of business, whether it be improving customer experience or streamlining operations. “A key component of our AI suite is our GPT -based assistant, ‘TensorAssist,’ tailored for underwriters. The most striking impact for myTU? .

AI 128

AI FinTech Underwriting Due Diligence 128

The Fintech Times

MARCH 11, 2025

Dwollas clients are now able to leverage Plaids instant account verification and real-time balance check alongside comprehensive pay-by-bank payments through a single vendor and a single API. McManus will also remain as co-chair of the Innovate Finance Unicorn Council.

FinTech 59

FinTech Payment APIs and Integration Online and Mobile Banking Non-Bank 59

The Fintech Times

OCTOBER 29, 2024

OKX, a cryptocurrency exchange and global onchain technology company, has teamed up with Standard Chartered, appointing the international cross-border bank as its third-party crypto custodian for its global institutional business. Appointments UK digital MGA Ripe appoints David Rowntree as its new chief underwriting officer.

FinTech 65

FinTech Multi-Currency Embedded Finance Cryptocurrency 65

Fintech News

SEPTEMBER 4, 2024

These companies, which represent countries such as Malaysia, the Philippines and South Korea, are tackling challenges in sectors such as lending, banking, and business finance, leveraging innovative business models and cutting-edge technologies to boost efficiency and enhance accessibility across the financial services industry.

FinTech 117

FinTech Cross-Border Payment APIs and Integration Credit Cards 117

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Plaid is unlocking payroll data to ease access to federal financing. Catch up on the most recent efforts to unlock, share and integrate bank data below.

Finance 67

Finance Payment APIs and Integration Cross-Border Payments Cross-Border 67

The Payments Association

JANUARY 7, 2025

IPO has been the main method for companies looking to go public for years, which often is a long and expensive process that requires underwriting by investment banks, price-setting, and navigating complex regulatory requirements. Why the shift?

FinTech 88

FinTech Underwriting Non-Bank Cryptocurrency 88

PYMNTS

JUNE 7, 2019

Post-financial crisis, FinTech shed light on the plight of small and medium-sized businesses (SMBs) seeking capital, often shunned by banks — thanks to a lower risk appetite and more stringent regulations. According to Lackland, angel investors and venture capitalists are often the only options for startups in need of financing to grow.

Finance 51

Finance Underwriting Non-Bank Risk 51

Tearsheet

AUGUST 7, 2024

This collaboration aims to provide corporate clients with improved short-term financing options and embedded payment solutions at the point of sale. We have chosen Slope to help provide our clients with a solution to offer short-term financing as an extension of payment terms to their business customers, powered by Slope’s platform.

AI 59

AI B2B Finance Underwriting 59

PYMNTS

NOVEMBER 16, 2020

In the wake of the 2008 global financial crisis, and banks' subsequent pullback from the small- to medium-sized business ( SMB ) lending arena, a slew of alternative lenders emerged onto the scene to fill the credit gap. In Canada, one of those alternative players is Thinking Capital.

Technology 115

Technology Payment APIs and Integration Finance Small Business 115

The Fintech Times

OCTOBER 2, 2024

Open finance aims to give third-party providers access to a wider range of financial data, extending beyond just banking services. To explore the challenges preventing the widespread adoption of open finance, we reached out to industry leaders for their insights. This, he believes, will help restore consumer confidence.

Finance 59

Finance Privacy Non-Bank Authentication 59

Fintech News

DECEMBER 20, 2023

Buy now, pay later (BNPL) arrangements, a type of short-term financing that allows customers to make purchases and pay for them in monthly installments, are growing strongly around the world, picking up steam among both customers and merchants. million in 2023.

BNPL 109

BNPL Consumer Financial Protection Bureau (CFPB) Settlement Non-Bank 109

Fintech News

MAY 7, 2024

HashKey Group – US$100 million, Series A HashKey Group, a cryptocurrency firm headquartered in Hong Kong, said in January that it had raised nearly US$100 million after the completion of a Series A financing round. billion data points to banks and financial institutions every year to facilitate faster decisioning, and processing 1.7

Payment APIs and Integration 128

Payment APIs and Integration Non-Bank Finance FinTech 128

Fintech News

MAY 23, 2024

Confronted by shifting factors such as tech advancements, generative AI, high interest rates, increased institutional oversight, and evolving customer expectations — the best banks must adapt their business and operating models in 2024, including in Asia. CHINA #1 China Merchants Bank China Merchants Bank Co.,

Online and Mobile Banking 133

Online and Mobile Banking Treasury Non-Bank Credit Cards 133

PYMNTS

SEPTEMBER 2, 2020

Canada’s largest private non-bank payment processor, filed for an initial public offering (IPO) in Canada Tuesday (Sept. The lead underwriter for the offering is Goldman Sachs Canada in cooperation with book managers Credit Suisse Securities Canada Inc, BMO Nesbitt Burns Inc. Nuvei Corp. and RBC Capital Markets.

FinTech 91

FinTech Payments Push-to-Card Underwriting 91

PYMNTS

JUNE 15, 2020

For Aion Bank , based in Belgium, that means understanding the global operations of SMBs, as well as their local challenges as a company in Belgium and the broader European Union. There are unique challenges for SMBs operating in Belgium and the broader EU that banking solution providers should consider, said Czuba. ”

Cross-Border 98

Cross-Border Non-Bank Addressing Underwriting 98

Fintech News

FEBRUARY 8, 2024

The year 2023 marked a pivotal moment for the fintech industry, with the prevailing global funding trends encapsulating a period of introspection and recalibration amidst a backdrop of economic fluctuations, including notable bank failures and precipitous cryptocurrency downturns. Ushering in Insurtech 2.0 Insurtech 2.0

FinTech 113

FinTech Embedded Finance B2B Volume 113

The Fintech Times

MARCH 1, 2024

Open finance has huge potential if organisations can fully utilise it. Exploring how this can best be achieved, the Centre for Finance, Innovation and Technology (CFIT) published its latest report. Open banking and open finance can deliver direct benefits for everyone in the transaction cycle, from merchant to consumer.

Finance 59

Finance Non-Bank Use Case Innovation 59

Fintech News

FEBRUARY 8, 2024

The year 2023 marked a pivotal moment for the fintech industry, with the prevailing global funding trends encapsulating a period of introspection and recalibration amidst a backdrop of economic fluctuations, including notable bank failures and precipitous cryptocurrency downturns. Ushering in Insurtech 2.0 Insurtech 2.0

FinTech 109

FinTech Embedded Finance B2B Volume 109

PYMNTS

DECEMBER 17, 2018

Use of alternative finance (AltFin) sources among small business (SMB) owners is on the rise, but still has a long way to go before it poses a legitimate threat to traditional banks’ market dominance. firm that bridges companies with a range sources to obtain loans, equity financing or grants.

Small Business 78

Small Business Finance Non-Bank Accounts 78

PYMNTS

APRIL 9, 2020

The demand for Small Business Administration (SBA) loans has led the Federal Reserve to consider allowing non-bank lenders to speed distribution of $350 billion in loans through the coronavirus crisis, Reuters reported.

Federal Reserve 70

Federal Reserve Fed FinTech Small Business 70

PYMNTS

MAY 30, 2018

Financing of all sorts was on the downswing, and SMB owners began dipping into their own piggy banks before seeking a lending agreement. That finding comes care of data gathered by 12 regional Federal Reserve banks in a survey conducted over the third and fourth quarter of 2017.

Underwriting 46

Underwriting Small Business Federal Reserve Community Banks 46

PYMNTS

JANUARY 9, 2017

5) that it is integrating the solutions of Capify’s own small business financing operation — a move that, while not officially considered a merger, will see a merging of the two companies in some ways. Both companies have been in the non-bank SME financing industry for more than 10 years, the firms said.

Finance 40

Finance Underwriting Non-Bank Small Business 40

PYMNTS

JULY 11, 2017

The International Chamber of Commerce Banking Commission recently released a report that found an imbalance between supply and demand of trade finance services. Indeed, banks must tread carefully in the world of trade finance, and with such little room for error and financial losses, risk management is critical.

Finance 43

Finance Risk Mitigation Risk Non-Bank 43

PYMNTS

JANUARY 28, 2021

Though traditional financial institutions have faced a surge in market pressure to digitize as new FinTech competitors emerge, there are still plenty of areas in which banks hold the upper hand, commercial lending included. But an overwhelming surge in demand painfully exposed traditional banks' biggest shortcomings in business lending.

Embedded Finance 65

Embedded Finance On-Demand Underwriting Non-Bank 65

CB Insights

DECEMBER 7, 2017

Originating, processing, and underwriting a home loan with a large bank lender still requires faxes and snail mail and take almost as long as it did 20 years. Mortgage technology startups are companies that apply digital processes to mortgage origination, underwriting, servicing, investment, and other associated business activities.

Non-Bank 69

Non-Bank Online and Mobile Banking Origination Underwriting 69

Fintech News

MARCH 18, 2024

The report, released in September 2023, looks at the Thai fintech sector, highlighting the rise of digital payments and the explosive growth of real-time transactions, as well as presenting the opportunities that exist in digital remittances, open banking, business-to-business (B2B) payments and agricultural lending.

FinTech 113

FinTech Online and Mobile Banking Blockchain Product 113

Fintech News

OCTOBER 28, 2024

Here are the finalists for the SFF 2024 awards: Category #1 Corporates – Emerging Fintech Finalists Fluid Financial Pte Ltd Fluid is a Singapore-based B2B Buy Now Pay Later solution, helping suppliers (both traditional and marketplace platforms) to finance buyers’ purchases at the point of checkout.

AI 108

AI FinTech Innovation Payment APIs and Integration 108

The Fintech Times

APRIL 23, 2024

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.

Embedded Finance 59

Embedded Finance Finance Payment APIs and Integration Governance 59

Finovate

APRIL 23, 2024

Features Automates the most complex reconciliation or financial ETL in minutes Leverages the power of AI and no-code to give finance teams the superpower of developers Provides native support for live payments data Who’s it for? Banks, credit unions, small businesses, and CDFIs.

Credit Union 52

Credit Union Reconciliation Cross-Border Small Business 52

PYMNTS

JANUARY 7, 2019

Government Accountability Office (GAO) said that financial regulators should look more closely at the role of non-bank tech companies in the small business (SMB) lending and consumer lending markets. But they have not provided lenders and banks with specific guidance on using the data in underwriting.

FinTech 60

FinTech Blockchain Underwriting Non-Bank 60

Nanonets

NOVEMBER 19, 2024

  Whether you're a non-technical team needing a no-code solution or a business looking for better customization, this buyer’s guide on the top 7 Sensible alternatives will help you find the best choice for your challenges. Are you finding Sensible's pricing steep, or is its technical setup tedious? page thereafter.

Process 52

Process Automation AI Non-Bank 52