FICO

JULY 19, 2021

Using a pooled model in addition to bureau scores can help creditors make more precise, value-based decisions at the origination stage. This makes them an ideal solution for banks and credit unions that don’t have enough data to create their own custom models but still want the flexibility to grow their portfolios responsibly.

Origination 52

Origination Credit Union Regulatory Compliance Non-Bank 52

M2P Fintech

DECEMBER 14, 2024

However, one significant challenge continues to persist Choosing a Loan Origination System (LOS) partner who not only augments customer service but also streamlines the entire digital lending supply chain to drive both profitability and accountability. What is Loan Origination System (LOS)? First, a quick recap.

Origination 52

Origination Payment APIs and Integration Assessments Compliance 52

Fintech News

FEBRUARY 13, 2024

Japan’s Mizuho Bank has announced an investment of up to INR 12 billion (US$ 144.43 Credit Saison India, operational since 2019, has shown significant growth, expanding its services to include financing for non-bank financial companies and co-origination financing with fintech partners.

Card Issuer 116

Card Issuer Non-Bank Financial Inclusion Issuers 116

Nanonets

APRIL 11, 2023

The loan origination process has historically been a complex and time-consuming endeavor for both commercial lenders and borrowers. We’ll also see how Nanonets can help your business achieve loan automation and improve the loan origination process and business efficiency.

Origination 52

Origination Automation Risk Assessment Underwriting 52

PYMNTS

APRIL 23, 2020

Challenger bank Bunq now has new options for customers for increased flexibility. The bank announced a new feature called Bunq +1 , which means premium users will now be allowed to create a sub-account with someone else, who doesn’t have to be a premium user, for just €2.99 Revolut has added one, and so has Venmo.

Non-Bank 60

Non-Bank Accounts Venmo Origination 60

Fintech Review

MAY 4, 2025

This guide covers the top 100 fintech tools across key categories including banking APIs, billing, KYC/AML, FX, crypto tools, and open banking. Banking-as-a-Service & Embedded Banking APIs Let’s start the top 100 fintech tools and platforms with embedded finance. Here are the top players: 1.

Payment APIs and Integration 76

Payment APIs and Integration FinTech Multi-Currency Embedded Finance 76

Fintech News

JULY 17, 2024

The far-reaching study encompasses both crypto-native and non-crypto native methods, as well as strategies for prevention. The HKMA concluded that the bank failed to continuously monitor business relationships, conduct enhanced due diligence in high-risk situations for a period, and maintain proper records for some customers.

Money Laundering 109

Money Laundering Law Enforcement AML Non-Bank 109

PYMNTS

NOVEMBER 18, 2020

Americans paid off $10 billion in credit card debt in the third quarter (Q3) of 2020, but borrowed more for car and housing loans, according to a report in the Wall Street Journal (WSJ) citing the Federal Reserve Bank of New York. Non-housing balances — credit cards, auto loans, student debt — are up $15 billion.

Credit Cards 124

Credit Cards Consumer Federal Reserve Fed 124

Fintech News

JUNE 23, 2024

Key findings of the updated ML NRA include major ML threats originating from fraud, particularly cyber-enabled fraud by overseas syndicates, as well as crimes like organised crime, corruption, tax crimes, and trade-based money laundering.

Money Laundering 109

Money Laundering Risk Crime Law Enforcement 109

Fi911

JULY 19, 2024

Each chargeback is associated with a unique 2-to-4-digit alphanumeric reason code issued by the cardholder’s bank, detailing the basis for the dispute. EMV Liability Shift Non-Counterfeit Fraud 10.3: This can include invalid or missing authorization, non-compliance with processing rules, and delayed or erroneous authorizations.

Disputes 103

Disputes Duplicate Non-Bank Authorization 103

The Fintech Times

APRIL 3, 2024

This April, The Fintech Times is focusing on all things embedded finance, the integration of financial services into non-financial products and services. Whether it be retailers, ride-hailing apps, super-apps, or other non-bank service providers, embedded finance appears to be making its way into every sub-sector.

Embedded Finance 126

Embedded Finance Finance Non-Bank Online and Mobile Banking 126

EBizCharge

MARCH 14, 2025

There are four types of refunds, which include exchanges , full refunds , s tore credit , and final sale : Full refunds: Full refunds are the complete reimbursement of original purchase amounts delivered to customers when they return products or cancel services. Why do businesses need refund policies? What is a cancellation policy?

Returns 52

Returns Disputes Legal Non-Bank 52

PYMNTS

OCTOBER 8, 2020

As cloud technologies emerge to help financial institutions (FIs) drive digital innovation, Finastra has introduced its Fusion Payments To Go offering for small and medium-sized banks. In addition, Monese adopted Thought Machine’s cloud banking platform. Fusion Reveals Payments Platform Banks. Europe and South Africa.

Innovation 120

Innovation Technology FinTech RTP 120

The Fintech Times

APRIL 15, 2025

Al Ansari Exchange , the UAE-based remittance and foreign exchange company, and Ruya Islamic Community Bank (ruya), a digital-first Islamic community bank, are working together to enhance financial inclusivity and convenience for customers across the UAE.

FinTech 64

FinTech Payment APIs and Integration Non-Bank Community Banks 64

M2P Fintech

APRIL 17, 2025

APIs have played a central role in the digital evolution of banking. Initially, APIs were point-to-point connectors to enable simple integrations; with rapid innovations, they have now matured into a foundational layer supporting a wide range of use casesfrom customer onboarding and loan origination to card issuance and fraud detection.

API 52

API Payment APIs and Integration Non-Bank Fraud Detection 52

Fintech Review

MAY 10, 2025

Origins and Mission Founded in 2010 by Jason Gardner , Marqeta started with a simple but powerful idea: reimagine card issuing for the digital economy. This flexibility enables gig economy payouts, BNPL shopping experiences, loyalty rewards cards, and embedded banking products for digital brands.

Payment APIs and Integration 52

Payment APIs and Integration Embedded Finance API Regulatory Compliance 52

Fintech Finance

AUGUST 28, 2024

Digital payment preferences are surging, according to the 2024 ACI Speedpay Pulse Report, published by ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology. The shift to mobile is primarily driven by biller and bank mobile apps and digital wallets like Apple Pay and Google Pay.

Identity Theft 105

Identity Theft Online and Mobile Banking Consumer Payments Trends 105

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

Fintech Finance

OCTOBER 11, 2024

Citi is the first global bank to enable cross-border payments to Mastercard debit cards using Mastercard Move, tapping into the speed, security and transparency of the Mastercard network. Mastercard Move’s overall reach spans more than 180 countries and 150+ currencies, with access to more than 95% of the world’s banked population.

Cross-Border Payments 96

Cross-Border Payments Cross-Border Visa Debit Card 96

PYMNTS

JANUARY 28, 2019

Data: $3,500: The average operational cost for a bank to originate an SMB loan. companies that believe non-compliance with GDPR would affect their reputations. 80 percent: The portion of U.S. consumers who want the right to know where and how their personal data is being sold. that Apple says now support Apple Pay.

Enrollments 72

Enrollments Non-Bank Payments Origination 72

PYMNTS

NOVEMBER 5, 2020

Small business Banking-as-a-Service rises to the top in this week's roundup of the latest bank-FinTech collaborations and open banking initiatives. Two SMB BaaS companies secured new funding, while FinTech Wise says it is ushering in a new definition of open banking with its embedded banking functionality.

FinTech 103

FinTech Payment APIs and Integration Credit Union API 103

Cardfellow

MARCH 9, 2025

Refunds to a Virtual Credit Card Many businesses that issue refunds prefer to issue it to the original payment method. In the case of virtual cards, the original card may have expired before the customer asks for a refund. If thats the case, you still have options. However, some virtual cards do have the same BIN as physical cards.

Credit Cards 40

Credit Cards Processors Card Issuer Origination 40

The Payments Association

JANUARY 31, 2025

16) has been pivotal in addressing the traceability of financial transactions, requiring the inclusion of originator and beneficiary information in wire transfers to prevent misuse for illicit purposes. Cryptoassets and the traceability gap The explosion of cryptoassets has highlighted gaps in the original formulation and application of R.16.

Travel Rule 88

Travel Rule Wire Transfer Rules Wire 88

Stax

JANUARY 21, 2025

In turn, the payment processor ensures a seamless transfer of the information between the merchant, issuing bank, and customer. Even if the data is intercepted, it doesnt offer any value and wouldnt be used to extract the original data. Today, many payment gateways work as payment processors. This is known as the settlement time.

Payment Gateways 88

Payment Gateways Gateways PCI DSS Payment APIs and Integration 88

The Fintech Times

JANUARY 31, 2025

Earlier this year, the City of London Corporation signed a partnership agreement with the Scottish Government committing to prioritising actions that support those who find it difficult to access fair or affordable financial services, such as free banking and affordable credit. The benefits are clear: More informed, evidence-based policies.

FinTech 59

FinTech Financial Inclusion Research Government 59

PYMNTS

NOVEMBER 23, 2020

Blockchain and a bank charter might do much to boost financial inclusion. Figure Pay, he said, is not built on traditional banking structures but “is a blockchain rail and a digital wallet that we think is infinitely more cost-efficient.”.

Financial Inclusion 86

Financial Inclusion Office of the Comptroller of the Currency Blockchain OCC 86

PYMNTS

AUGUST 10, 2020

These efforts include TCH’s efforts to connect financial institutions’ (FIs’) core banking systems to the company’s Real-Time Payments (RTP) network, along with what card networks and FinTechs are doing to enable real-time push payments to receiver bank accounts. Achieving ubiquity across the 12,000 or so FIs in the U.S.

Real Time Payments 138

Real Time Payments RTP TCH Federal Reserve 138

Wharton Fintech

DECEMBER 6, 2023

Brear — the banking battlefield, fintech for SMEs & financial ecosystems globally In today’s episode, Kailee Costello hosts David Brear, the CEO and co-founder of 11:FS and one of the hosts of the Fintech Insider podcast. The banking battlefield. We discussed strategies that incumbent banks can take to stay competitive.

Underserved 130

Underserved Non-Bank FinTech Regulations 130

PYMNTS

NOVEMBER 3, 2020

But as PYMNTS reported in September , Chinese regulators have been boosting their scrutiny of non-bank financial companies. The total credit balances originated at the end of June period and fiscal year stood at 1.7

NOV 79

NOV Origination Small Business Non-Bank 79

FICO

AUGUST 7, 2019

So, where do we stand in today’s non-prime auto finance market? That’s the key question the 2019 Non-Prime Automotive Finance Survey sought to answer. The survey results were released during the 23rd Non-Prime Auto Finance Conference held June 4th-7th in Plano, Texas. Originations Accelerated. Losses Improved.

Finance 60

Finance Non-Bank Returns Best Practices 60

Wharton Fintech

JANUARY 2, 2024

In the Fintech world, Angela is well known for coining the idea that “Every Company Will Be a Fintech Company” — an idea driven by the influx of new, transformative financial infrastructure tools that enable non-fintech companies to derive a significant portion of their revenue through financial products. Wise, Harsh Sinha & Steve Naude.

FinTech 100

FinTech Cross-Border Payments Cross-Border Non-Bank 100

Finovate

SEPTEMBER 17, 2024

Mobile banking platform MoneyLion will be adding personalized touches to its consumer-focused products and services thanks to a partnership with TransUnion. The technology behind BreachIQ originated from Breach Clarity , a fintech founded by Jim Van Dyke that won Best of Show honors at FinovateSpring 2020.

Embedded Finance 82

Embedded Finance Non-Bank Risk Breach 82

Wharton Fintech

OCTOBER 23, 2023

Check out the episode on Spotify | SoundCloud | Apple Podcast Read on for a sneak peak: How have legacy players like FIS and Fiserv responded to non-financial institutions offering financial products? Legacy platforms, innovative embedded platforms like Highnote, and in-house bank issuing platforms will coexist.

Embedded Finance 130

Embedded Finance Finance Issuers Innovation 130

CB Insights

DECEMBER 7, 2017

By the end of 2017, nearly $1.8T worth of mortgages will have been originated in the United States this year, according to government-backed mortgage lender Freddie Mac. 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.

Non-Bank 69

Non-Bank Online and Mobile Banking Origination Underwriting 69

PYMNTS

OCTOBER 7, 2020

In Europe , as has been seen elsewhere, banks and other financial institutions (FIs) must grapple with payments modernization but are burdened by legacy systems and infrastructure. We’re also seeing existing standards such as EBICS — the Electronic Banking Internet Communication Standard — emerge across Europe,” he said.

Process 91

Process Payments Money Laundering Non-Bank 91

Fintech News

MARCH 6, 2024

Are digital first banks in Asia poised to lead a disruptive charge against well-entrenched, established commercial banks? In the traditional banking sphere globally, but especially true in Asia, there is a considerable proportion of unbanked and underbanked populations who lack complete or any access to banking services.

Online and Mobile Banking 136

Online and Mobile Banking Debit Card Non-Bank Push-to-Card 136

Fintech News

AUGUST 26, 2024

It’s a tale of a cultural shift, governments and innovators working in tandem, and millions leapfrogging traditional banking to embrace a mobile-first approach to finance. The region’s historical challenges with traditional banking access have paradoxically catalyzed innovation.

APACS 120

APACS PCI DSS Push-to-Card Online and Mobile Banking 120