Stax

JANUARY 23, 2025

Key steps include application review, risk assessment, credit checks, and compliance verification. Merchant account underwriting is the evaluation process payment processors use to assess whether a business meets the criteria for accepting credit card payments. Learn More What is Merchant Account Underwriting?

Underwriting 68

Underwriting PCI DSS Money Laundering Processors 68

The Fintech Times

JULY 1, 2025

This represents a radical reset of how the US government regulates consumer finance and how it defines its obligation to American consumers. With the CFPB in temporary retreat, lenders may have a window to rethink risk assessment and consider how a broader set of data inputs could help address inclusion gaps responsibly.

Credit Risk 59

Credit Risk CFPB Risk Innovation 59

The Payments Association

MARCH 18, 2025

But these opportunities are accompanied by mounting risks around data governance, security, and regulatory fragmentation. Open data, in turn, enriches these offerings, enabling innovative credit scoring and risk assessment beyond traditional banking channels. Regional approaches are diverging. reached $1.1

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

Fintech News

JUNE 12, 2025

Anastasia Sakharova “OJK mandates that regulated entities implement strong principles of governance, robust risk management processes, cybersecurity resilience, and maintain market integrity. This continuous risk assessment helps flag suspicious patterns before they become compliance incidents.

Compliance 120

Compliance Travel Rule Risk Due Diligence 120

The Fintech Times

MAY 1, 2025

The high risks and cost burdens associated with maintaining legacy platforms has led many banks to reconsider traditional merger approaches, increasingly opting for modern, cloud-based microservices driven solutions that offer enhanced scalability, security and integration potential.

AI 45

AI Risk Fraud Detection Risk Assessment 45

Fintech News

JUNE 17, 2025

Governments remain cautious, driven by concerns over financial stability and the absence of centralised control. Source: Sumsub Key issues include weak risk assessments, delayed rollout of the Travel Rule, and a lack of interoperability among compliance tools.

Compliance 102

Compliance Travel Rule Regulations APACS 102

The Payments Association

JUNE 11, 2025

Technology must be part of a wider strategy that includes governance, user design, and operational readiness. Technology integration Advanced platforms uniquely combine device intelligence and behaviour biometrics in one Software Development Kit (SDK), proving consistently effective in high-volume, high-risk platform environments.

Risk 88

Risk Fraud Prevention Fraud Detection Payment APIs and Integration 88

Trade Credit & Liquidity Management

JUNE 25, 2025

In this data-driven economy, risk assessment demands more than simply evaluating whether a customer will pay their bills. To truly understand and manage credit risk today, modern companies must look beyond the basics and leverage new technologies, alternative data, and broader information sources.

Risk Assessment 52

Risk Assessment Regulatory Compliance Assessments Legal 52

Finextra

JULY 7, 2025

Upstart (2024) AI Application: Loan underwriting and risk assessment Experience Impacted: CX - Banking Customer Experience AI Loan Underwriting Platform: The fintech Upstart has pioneered AI-based lending, and by 2024 its platform was adopted by 500+ banks and credit unions for personal and auto loans.

AI 114

AI Fraud Detection Online and Mobile Banking Payment APIs and Integration 114

Finovate

JANUARY 15, 2025

” The panel will look at the rise of lending integrations, the role of AI in risk assessment, embedded finance regulation, and more. It will also discuss governance, data privacy, security, compliance, and ethical implications about the application of AI.

Embedded Finance 52

Embedded Finance FinTech Payment APIs and Integration AI 52

Finextra

JUNE 18, 2025

This includes vertical-specific capabilities that lend themselves to certain “Need-to-Pay” businesses, like property management, utilities, education, and government. Over the past year, the company has posted a 7x year-over-year increase in revenue and surpassed 50,000 merchants on its platform.

Payment APIs and Integration 52

Payment APIs and Integration Multi-Currency Fraud Detection Risk Assessment 52

Finextra

JULY 7, 2025

The UK government recently outlined its National Payments Vision – plans for a next-generation payments ecosystem, built around open banking and emerging technology. This approach also mirrors wider national ambitions. But these use cases generate vast volumes of data that require near-instantaneous processing.

FinTech 52

FinTech Payment APIs and Integration PCI DSS AI 52

Fintech Review

MARCH 25, 2025

This PoC provided an opportunity to explore insights into technological risks associated with digital assets across multiple blockchains. Transparency and risk management are critical to supporting institutional engagement in tokenized finance.”

Risk 52

Risk Assessments Risk Management Blockchain 52

The Payments Association

JULY 18, 2025

Viewing these initiatives as a whole presents a clear regulatory trajectory: accelerated timelines, harmonised standards, and enhanced scrutiny across governance, conduct, and technology infrastructure. Next steps/action required: Conduct or update a fraud risk assessment, with documented outputs and regular review cycles.

Regulations 88

Regulations Payments Payment APIs and Integration Legal 88

Finextra

JUNE 6, 2025

PayPal’s BNPL solution, Pay in 4, incorporates sophisticated fraud prevention technology and machine learning models to assess creditworthiness quickly. Among other things, Sezzle is using machine learning for customer risk assessment and to offer tailored financing options.

BNPL 52

BNPL Technology Payment APIs and Integration Blockchain 52

EBizCharge

JANUARY 16, 2025

Fraud detection and risk assessment: MCCs assist fraud detection and risk assessment operations by flagging suspicious transactions. Rewards and benefits programs: MCCs are key in rewards and benefits programs since credit card companies often offer cashback or points based on the category of purchase.

Credit Cards 52

Credit Cards Processors PCI DSS Fraud Detection 52

Innovative Payments Association

JULY 22, 2025

But deregulation doesn’t mean de-risking. In fact, as oversight responsibilities shift or become less defined, companies face even greater pressure to self-govern their third-party relationships with diligence and structure.

Boot Camp 40

Boot Camp Due Diligence Risk Assessment Compliance 40

M2P Fintech

MARCH 24, 2025

AI, ML, and blockchain enhance risk assessment and security. The integration of environmental, social, and governance ( ESG ) criteria into lending practices will further promote sustainable and socially responsible financing. Expanding beyond traditional services, it now includes investment and insurance.

Payment APIs and Integration 52

Payment APIs and Integration Blockchain Regulatory Compliance Underwriting 52

The Fintech Times

FEBRUARY 15, 2025

This platform enhances financial compliance through real-time data processing, risk assessment, and regulatory alignment, ensuring that financial institutions meet Saudi Arabias evolving fintech regulatory landscape. Saudi technology provider T2 acquired Moola , a corporate expense management platform.

Innovation 64

Innovation Fraud Prevention AI Compliance 64

Finextra

JUNE 23, 2025

Approval rates also reflect fundamental flaws in risk assessment. From bank loans and government schemes to fintech lenders and grants, the landscape is broad. These figures include businesses with solid revenues, clear growth plans, and healthy repayment histories. But the numbers only reveal part of the problem.

Small Business 52

Small Business Non-Bank AI Push-to-Card 52

Finextra

JULY 8, 2025

Instead, firms can designate other suitably trained senior staff, provided that the MLRO retains oversight of the process and ensures compliance with the FCA’s standards and the firm’s internal risk framework. A Smarter Approach to Risk Assessment The FCA reiterates that not all PEPs pose the same level of risk.

Money Laundering 52

Money Laundering Due Diligence Risk Risk Assessment 52

The Fintech Times

JUNE 19, 2025

“The increase in available data sources is transforming risk assessment capabilities. API-ready platforms are enabling seamless data integration and cross-product proposition development, breaking down traditional silos. The insurance modelling future is indeed bright, but without changes, there may be storms ahead.”

AI 51

AI Risk Consulting Underwriting 51

Fintech News

JULY 1, 2024

Singapore has released its updated Terrorism Financing National Risk Assessment (TF NRA) and National Strategy for Countering the Financing of Terrorism (CFT) to address terrorism threats. The country also collaborates with the private sector and academic institutions to enhance its understanding of these risks.

Risk Assessment 119

Risk Assessment Assessments Risk Finance 119

Finextra

MARCH 7, 2025

But according to Umazi, a next-generation compliance and digital identity platform leveraging AI and Web3 to automate due diligence and risk assessments, while here in the UK business and government face a number of challenges to its roll-out, the rewards could not be greater.

Due Diligence 52

Due Diligence Risk Assessment Assessments Automation 52

The Paypers

JULY 24, 2024

Clearspeed , a provider of voice analytics technology for large-scale risk assessment, has partnered with Deloitte's US government and public services practice.

Risk Assessment 36

Risk Assessment Assessments Risk Government 36

Fintech News

MAY 29, 2024

Singapore has released an Environmental Crimes Money Laundering National Risk Assessment (NRA), highlighting the primary threats and vulnerabilities associated with it. Environmental crimes, such as illegal wildlife trafficking and illegal logging, generate an estimated US$110 billion to US$281 billion in criminal gains annually.

Money Laundering 115

Money Laundering Crime Risk Law Enforcement 115

Fintech News

JANUARY 25, 2024

ServiceNow Gen AI to help EY risk management The alliance with EY involves ServiceNow offering solutions in generative AI (Gen AI) for compliance, governance, and risk management. These collaborations mark another noteworthy step in the integration of advanced AI technologies in compliance and financial services.

AI 122

AI Disputes Risk Management Risk Assessment 122

PYMNTS

JUNE 20, 2017

Governments are demanding faster data sharing across borders, while businesses and their IT departments are tasked with upgrading their data management capabilities to mitigate compliance and cybersecurity risks. A weak data management strategy could heighten the risk of non-compliance.

Risk Assessment 47

Risk Assessment Assessments Risk Risk Mitigation 47

Fintech News

MAY 22, 2024

Arctic Intelligence (Australia) Headquartered in Sydney, Australia, Arctic Intelligence is a multi-award-winning regtech company specializing in financial crime risk assessment technologies. Founded in late 2015, the company provides regulated entities with tools to manage audit, risk, and compliance programs effectively.

Financial Crimes 105

Financial Crimes Crime APACS Risk Assessment 105

PYMNTS

APRIL 10, 2020

This reflects the complexities of a payment chain in healthcare that involves multiple entities, including patients, insurers, providers and government agencies. In many realms of businesses, machine learning (ML) and artificial intelligence (AI) have yielded powerful tools to manage such complex matters.

AI 144

AI Fraud Detection Risk Assessment Regulatory Compliance 144

The Payments Association

JANUARY 29, 2025

Common themes Analysis of these regulatory fines highlights four persistent weaknesses that continue to challenge the industry: Inadequate governance, accountability and culture: Ineffective governance and fragmented leadership often resulted in unaddressed vulnerabilities.

Financial Crimes 88

Financial Crimes Crime Due Diligence Money Laundering 88

Fintech News

DECEMBER 12, 2023

Credit rating agency S&P Global Ratings has unveiled its new stablecoin stability assessment service, designed to evaluate their capability in maintaining a stable value in comparison to traditional fiat currencies. The assessment methodology employed by S&P Global Ratings is thorough and multifaceted.

Stablecoins 119

Stablecoins Assessments Risk Assessment Risk 119

PYMNTS

APRIL 28, 2019

Set up in 2016 by companies including Google, Microsoft, Amazon and Facebook, The Partnership on AI released a report that stated algorithmic risk assessment tools cannot properly provide the right level of transparency and accountability. This report documents the serious shortcomings of risk assessment tools in the U.S.

Law Enforcement 58

Law Enforcement Laws Risk Assessment AI 58

VISTA InfoSec

SEPTEMBER 5, 2024

These professionals can conduct a thorough risk assessment, identify vulnerabilities, and implement appropriate incident response measures. To stay ahead of cyber security threats, SMEs must adopt a proactive approach by conducting regular risk assessments and investing in effective cyber security solutions.

Security 130

Security Phishing Ransomware Risk Assessment 130

VISTA InfoSec

OCTOBER 21, 2024

These professionals can conduct a thorough risk assessment, identify vulnerabilities, and implement appropriate incident response measures. To stay ahead of cyber security threats, SMEs must adopt a proactive approach by conducting regular risk assessments and investing in effective cyber security solutions.

Security 130

Security Phishing Ransomware Risk Assessment 130

VISTA InfoSec

NOVEMBER 4, 2024

Understand the responsibilities for ICT risk management According to Article 5 , the board of directors is accountable for ensuring the integration of ICT risk management into the organizations governance. This means that board members must be involved in overseeing and approving all ICT risk management strategies.

Compliance 130

Compliance Third-Party Service Provider Risk Management Audit 130

VISTA InfoSec

NOVEMBER 4, 2024

Understand the responsibilities for ICT risk management According to Article 5 , the board of directors is accountable for ensuring the integration of ICT risk management into the organizations governance. This means that board members must be involved in overseeing and approving all ICT risk management strategies.

Compliance 130

Compliance Third-Party Service Provider Risk Management Audit 130