PYMNTS

AUGUST 3, 2020

The panel — Ondot CEO Vaduvur “VB” Bharghavan ; Doug Brown , senior vice president and general manager of digital banking at NCR ; PSCU CEO Chuck Fagan ; and Scott Zimmer , executive vice president, innovation and experience design officer and head of venture investing at Truist — said that’s hard to answer. Building What Works.

Push-to-Card 107

Push-to-Card Ubiquitous On-Demand Use Case 107

PYMNTS

NOVEMBER 18, 2020

One such innovation has been i2c’s collaboration with SmartHealth to use an open banking platform to build the first credit card dedicated solely to healthcare. The card uses payments rails that already exist today as the multitool designed to cut through the complexity for patients and providers. Ready For Innovation.

Push-to-Card 124

Push-to-Card Payments Credit Cards Ubiquitous 124

PYMNTS

AUGUST 12, 2019

That’s the talk track now from the Fed , which a week ago today announced its plans to build and operate a new set of real-time rails, using accelerated access to employer paychecks as its launch use case. Ironically, perhaps, the ACH network’s first direct deposit use case was the U.S. financial system.

Real Time Payments 78

Real Time Payments FedNow TCH Fed 78

PYMNTS

JANUARY 21, 2019

That was the day that an advocacy group, Financial Innovation Now (FIN), submitted a public comment letter to the Fed in response to its proposal to create and operate a real-time payments system in the U.S. It didn’t take a regulatory proclamation for Same Day ACH to become ubiquitous in the U.S. – It flew in on Dec.

Faster Payments 77

Faster Payments Same Day ACH Fed Real Time Payments 77

PYMNTS

OCTOBER 21, 2016

The world is full of once-brilliant innovations that — despite having been supplanted by an even better innovation — continue to have devotees who insist the 1.0 Ingo Money exists to make digital push payments just as ubiquitous and a whole lot less friction-filled for consumers and businesses. And there’s the paper check — a 1.0

Push-to-Card 79

Push-to-Card Debit Card Instant Payments Payments 79

Finextra

JUNE 23, 2025

This flexibility allows financial institutions to deploy AdviceRobo’s scoring agents locally, while retraining them globally—a balance between data sovereignty and model innovation. These use cases all build on AdviceRobo’s core strengths: behavioral data science , explainable AI and api-based scalable infrastructure.

AI 52

AI Finance Payment APIs and Integration Embedded Finance 52

Fintech News

APRIL 16, 2024

Digital banking is on the horizon, with the first digital banking licenses slated to be issued by mid-2025 and expected to bring about enhanced customer experiences, heightened competition and increased innovation. The BOT expects initial use cases under the new policy to be implemented in 2025.

FinTech 120

FinTech Bots Central Bank Innovation 120

Fintech Finance

MARCH 15, 2024

The FedNow User Group aims to facilitate regular engagement between FRFS and FedNow participants to promote innovation and inform the continued evolution of the service.

Federal Reserve 52

Federal Reserve FedNow Participant Instant Payments 52

The Fintech Times

DECEMBER 12, 2024

Likewise, Circle will provide Binance with the necessary technology, liquidity and other tools for Binance users to benefit from the trust and innovation that Circle has built for USDC. We will also work closely with Circle to drive innovation and utility for stablecoins globally. Distributed by APO Group on behalf of Binance.

Stablecoins 59

Stablecoins Ubiquitous Treasury Innovation 59

PYMNTS

SEPTEMBER 21, 2016

In just a matter of days, the payments industry will see a significant — and ubiquitous — change in the way payments are sent and received. While both Same Day ACH and real-time payment initiatives have unique functionality and innovative use cases serving distinct end-user needs, collectively, these initiatives will give U.S.

Faster Payments 76

Faster Payments Same Day ACH ACH ACH Network 76

PYMNTS

OCTOBER 10, 2016

23, the industry welcomed the rollout of ubiquitous faster payments to every consumer and business in the U.S. Innovation On Old Initiatives. Though it’s become a big buzzword across payments, the use of tokens to disguise and safeguard sensitive information is much more than just a trendy security tool.

Same Day ACH 76

Same Day ACH ACH ISO 20022 NACHA 76

PYMNTS

NOVEMBER 10, 2020

It is the rule of thumb, when it comes to secular change, that very few innovations come along to rapidly change the state of payments themselves. He pointed to the JPM Coin as a key advance in how cryptos might be used to reduce friction inherent in the financial services ecosystem.

Cryptocurrency 129

Cryptocurrency Blockchain Bitcoin Online and Mobile Banking 129

The Fintech Times

JUNE 13, 2024

Tokenisation unlocks a plethora of use-cases and benefits, such as helping turn everyday technology, like phones and cars, into commerce devices. Mastercard is bringing together key solutions to reduce threats and make online commerce not only ubiquitous: 1.

Visa 69

Visa Online and Mobile Banking Card Issuer Issuers 69

PYMNTS

JANUARY 15, 2018

It also explains why some innovations in payments have been met with open arms by consumers and others given the cold shoulder. And why innovations that introduce more intelligence into the digital versions of those accounts that require little to no change of the consumer are highly valued by consumers, merchants and issuers.

Innovation 43

Innovation Payments Online and Mobile Banking Authentication 43

PYMNTS

FEBRUARY 1, 2021

It has clarified the banking processes, but RTP is hardly ubiquitous within Italy, much less across the Eurozone. That increase has been driven by P2P payments, where parents are sending money to their children, and, perhaps not surprisingly, tech-savvy younger demographics are sending money to one another using banking apps.

Real Time Payments 100

Real Time Payments Instant Payments Online and Mobile Banking Push-to-Card 100

PYMNTS

NOVEMBER 4, 2020

We believe that bitcoin has the potential to be a more ubiquitous currency in the future,” said Amrita Ahuja, chief financial officer of Square. This speaks more to an investment strategy (asset diversification, for example), we contend, than as a pivot toward using cryptos in the service of commerce.

Bitcoin 83

Bitcoin Cryptocurrency Office of the Comptroller of the Currency Consumer 83

PYMNTS

OCTOBER 2, 2019

The vacuum created by the absence of a ubiquitous real-time or instant payments scheme has been filled in by private sector innovation, perhaps readily evident in offerings like Zelle and Venmo. The Use Case – and B2B. Kohli said person-to-person (P2P) use cases are among the first to gain ground.

Instant Payments 63

Instant Payments Interoperability Cash Management Cross-Border 63

PYMNTS

JUNE 24, 2019

What Mastercard sees in Libra in its embryonic stages, he said, is a novel way of combining a cryptocurrency with a private governing body and structure, to create something stable and ubiquitous enough to be used for payments worldwide — at least, it could be. There will be perceptual hurdles to clear, and regulators to convince.

Visa 71

Visa Cryptocurrency Payments Regulations 71

PYMNTS

JULY 24, 2017

Innovative ideas are inspired by smart people who see problems and have the conviction, capital and courage to come up with new ways to solve for them. One such innovator recognized the vast commerce potential that could be unlocked if new technologies were used to move money and messaging between people in near real-time.

Fed 47

Fed Faster Payments Ubiquitous Same Day ACH 47

The Fintech Times

JANUARY 13, 2024

Both the actions taken by the CMA and the EU directive, PSD2, aimed to drive innovation and competition, as they recognised that consumers and small businesses alike would greatly benefit from the increased competition brought about by open banking. For that vision to become a reality, open banking payments need to be truly ubiquitous.

Payment APIs and Integration 81

Payment APIs and Integration Use Case On-Demand Consumer 81

Faster Payments Council

JANUARY 20, 2020

While that's a healthy number, it demonstrates we still have work to do to reach the goal of ubiquitous adoption that is our target here at the Faster Payments Council. It's a primary reason we partnered with Nacha's Payments Innovation Alliance (PIA) to launch the Faster Payments Playbook.

Faster Payments 68

Faster Payments Payments Tools FPC NACHA 68

PYMNTS

JANUARY 25, 2019

That doesn’t mean they can’t be about innovation. Supermarkets are home to some of retail’s major and ongoing technological advances — and 2018 stands as a big year for grocery innovation. A year from now, that “access will be ubiquitous,” he said, and providing access to digital currency will eventually “become table stakes.”

ATM 75

ATM Bitcoin Digital Currency Federal Reserve 75

PYMNTS

FEBRUARY 24, 2017

developer experience includes a virtual reality and augmented reality community , both agreed that now is the time when the adoption of VR/AR is starting to gain traction as consumers begin to find new use cases for the technologies whose potential they didn’t fully realize before. The VR/AR Commerce Play.

Online and Mobile Banking 68

Online and Mobile Banking Use Case Push-to-Card Consumer 68

Fintech Finance

JANUARY 24, 2024

Mastercard and The Clearing House (TCH) have announced an extended multi-year partnership, bringing the companies together to collaborate on innovative capabilities for consumers, businesses and governments to evolve and embrace the digital economy through real-time payments (RTP) adoption on the RTP® network. demand deposit accounts.

Real Time Payments 52

Real Time Payments RTP Visa Instant Payments 52

PYMNTS

APRIL 14, 2017

Ever more so this is the case with payments and specifically the conduits that get payments from party A to party B. The big question: Can the existing payment rails support the innovation that is needed? Against that backdrop, “innovation means many different things to different players.”.

ACH Network 42

ACH Network ACH Payments ISO 20022 42

PYMNTS

APRIL 27, 2020

Cagney said that, for this reason, the stage may be set for an overhaul of the government’s payments status quo, quickened by innovation, and, particularly, by blockchain. Consumers like their cards, their rewards and their ubiquitous acceptance. It’s a heavy lift, but one that must be addressed sooner rather than later.

Blockchain 108

Blockchain Tax Refunds IRS Fed 108

PYMNTS

APRIL 11, 2019

Twelve years later, however, mobile banking has become ubiquitous across much of the global financial ecosystem. He recently told PYMNTS that banks’ solutions must offer everything for which consumers are looking, and they must actively innovate to support new use cases. As 5G proliferates, that’s a source of innovation.

Mobile Banking 49

Mobile Banking Online and Mobile Banking Use Case ATM 49

PYMNTS

SEPTEMBER 17, 2018

I tell you this story not to criticize the Zelle network — I use it, and it’s great when it works — nor the efforts on the company’s part to create efficient ways to pay, nor to minimize the slog that it is to connect to every single small bank in the country to create those easy and seamless experiences. Or to buff up PayPal.

Rules 78

Rules Zelle Payments PayPal 78

PYMNTS

SEPTEMBER 16, 2019

And so a sheepherding innovation – and new vocabulary word – was born. The survey gets information about device ownership, usage, apps, use cases and trusted enablers of those experiences to better understand the connected consumer’s expectations of connected purchasing experiences. adult population.

Consumer 89

Consumer Use Case Ubiquitous Credential 89

Faster Payments Council

SEPTEMBER 12, 2022

How can we look to this rapidly growing business for new use cases for instant payments? stakeholders should be supporting and identify the challenges in building out the API features that are required for ubiquitous access. What will this look like in the coming years?

FPC 88

FPC Federal Reserve Cross-Border Payments Faster Payments 88

PYMNTS

JUNE 24, 2019

Financial institutions are constantly on the hunt for an edge when it comes to mobile banking and other innovations, and that’s playing out with new, emerging 5G mobile network technology. One of the most recent developments comes from Spain-based bank Santander.

Credit Union 46

Credit Union Mobile Banking Use Case Ubiquitous 46

PYMNTS

OCTOBER 8, 2018

B2B payments innovators and Warren Buffet have something in common: They are both obsessed with rails. Today, a host of innovators are making B2B payments rails sexy again too. Over the course of an hour, six panelists debated several topics that are at the core of this B2B payments rails/innovation debate.

B2B 76

B2B Same Day ACH Payments ACH 76

PYMNTS

MARCH 18, 2019

depository institutions are using for payments innovation.” What is known is that banks have to invest money in changing their systems to accommodate faster payments, so getting on board and using it for payments innovation isn’t just like signing on and flipping a switch. That’s a big claim. as of January 2019.

Faster Payments 80

Faster Payments Fed RTP Same Day ACH 80

PYMNTS

AUGUST 6, 2019

Introduced on Monday by Federal Reserve Board Governor Lael Brainard, the Fed’s instant payment scheme FedNow is designed to offer an option for consumers and business to transfer money instantly or nearly instantly in a “ubiquitous, safe and efficient” manner from one bank account to another. “We

FedNow 85

FedNow Fed Federal Reserve Real Time Payments 85

PYMNTS

DECEMBER 8, 2016

Less than two months after its implementation, Same Day ACH, the ubiquitous faster payments initiative for the payments industry in the United States, is showing a significant impact on the market, but it still has plenty to learn from those across the pond. In October alone, the ACH Network processed nearly $5 billion in 3.8

Faster Payments 69

Faster Payments Same Day ACH ACH NACHA 69

CB Insights

SEPTEMBER 14, 2017

Today, AI is poised to benefit from the convergence of several technological innovations and wider expertise, specifically: affordable cloud computing infrastructure, availability of large datasets, and leaps in algorithm optimization. Components: CPU, GPU, FPGA, and specialized ASIC are the foundational components of the AI stack.

AI 78

AI Automation Research Due Diligence 78

PYMNTS

OCTOBER 22, 2019

While consumers might embrace new retail technologies like the abovementioned interactive video store at Walmart, engaging in cashierless retail or using interactive kiosks , they don’t necessarily trust retailers to innovate connected commerce experiences. Amazon was the only retailer that made the top 10. percent of consumers.

Use Case 41

Use Case Ubiquitous Consumer PayPal 41