The Payments Association

JUNE 3, 2025

Central bank digital currencies (CBDCs) have rapidly evolved from theoretical concepts into live pilots and national deployments. With more than 130 jurisdictions now researching or developing CBDCsranging from early-stage exploration to live deploymentsglobal momentum is steadily building.

CBDC 88

CBDC Cross-Border Central Bank Cross-Border Payments 88

Fintech Finance

JULY 23, 2024

UK consumers are leading the charge on digital financial services adoption amid rising demand for more innovation and convenience in payments and banking, according to a study from Marqeta (NASDAQ: MQ), the global modern card issuing platform powering some of today’s most innovative embedded finance solutions. Download the full report here.

Embedded Finance 98

Embedded Finance Digital Payments Research Consumer 98

Fintech News

JUNE 5, 2025

Singapore’s top digital wallets A consumer survey conducted as part of the research revealed that the most popular digital wallets used in-store in Singapore are DBS PayLah! (25%), is a versatile mobile wallet app developed by DBS Bank in Singapore, designed to simplify daily transactions and lifestyle activities. It claims 2.3

Credit Cards 95

Credit Cards Online and Mobile Banking Point-of-Sale (POS) Payments 95

Finextra

JUNE 24, 2025

These solutions are already widely adopted and focus on enabling technical interoperability between existing mobile wallets, offering fast and integrated payment experiences within their local banking ecosystems. Wero enables instant, account-to-account (A2A) payments without relying on traditional card networks. Here’s How We Enable That.

Agreements 59

Agreements Payment Networks Digital Payments Payment APIs and Integration 59

Stax

APRIL 8, 2025

Interchange and assessment fees are set by card networks and are non-negotiable. Acquiring bank – The merchants bank that receives and disburses the funds. They facilitate transactions by connecting merchants, credit card processors, and banks while establishing rules, regulations, and fees for processing payments.

Credit Cards 88

Credit Cards Process Processors Push-to-Card 88

Finextra

JULY 2, 2025

What began as CSR reporting has grown into real-time green incentives, making ESG a key strategy for both companies and banks. Banks and Fintechs now add sustainability scores to every payment. Some banks even offer higher deposit rates when companies hit diversity or emissions goals. ESG reporting started as a voluntary effort.

Transactions 59

Transactions ISO 20022 Payment APIs and Integration Payments 59

Finextra

JULY 8, 2025

A quiet revolution is underway, and it’s being led by Real-Time Payments (RTP) - systems that enable the instant transfer of funds between bank accounts, 24/7, with settlement occurring within seconds. Many banks still operate on platforms that are fundamentally card-centric. But their relationship is changing.

RTP 52

RTP Payment APIs and Integration Cross-Border Real Time Payments 52

PYMNTS

DECEMBER 23, 2020

Santander is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. Power research indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer.

CFPB 142

CFPB Consumer Financial Protection Bureau (CFPB) Non-Bank Origination 142

Finextra

JUNE 29, 2025

The fait currency had not left the sender’s bank before the amount transferred at the receiver’s bank had been moved. UK’s regulator FCA working with the Bank of England has published proposals for issuing stablecoins, crypto custody and financial resilience of crypto-asset firms, to provide a safe, competitive sector.

Cross-Border Payments 52

Cross-Border Payments Cross-Border Stablecoins Payments 52

Fintech News

OCTOBER 1, 2024

Datuk Yee was appointed as a Non-Independent Non-Executive Director of Maybank in November 2023, and then to the Maybank Singapore board in August 2024. His career spans audit, equity research, and investment banking. Maybank Singapore Limited has named Datuk Yee Yang Chien as its new Chairman, effective 1 October 2024.

Non-Bank 109

Non-Bank Audit Research Innovation 109

Finextra

JUNE 30, 2025

From virtual assistants to risk modeling and hyper-personalized customer experiences, banks are betting big on AI to transform operations, reduce costs, and redefine digital engagement. This global heatmap of AI in banking draws on fresh data, case studies, and market insights to uncover the evolving landscape of AI adoption.

AI 69

AI Finance Fraud Detection Use Case 69

Finextra

JUNE 25, 2025

Responding to the allegations, Worldline said in a statement that since 2023 it has strengthened merchant risk controls and terminated non-compliant client relationships. It added that it maintains "zero-tolerance" for non-compliance and engages regularly with regulatory authorities.

Cross-Border Payments 110

Cross-Border Payments Non-Bank Cross-Border Privacy 110

Finextra

JUNE 13, 2025

In 2025, banking apps will deliver smarter, more secure, and integrated experiences. Based on industry research and expert insights, here are five pivotal trends redefining mobile banking. Based on industry research and expert insights, here are five pivotal trends redefining mobile banking.

Mobile Banking 52

Mobile Banking Payment APIs and Integration Embedded Finance AI 52

The Fintech Times

FEBRUARY 16, 2024

New research from Economist Impact supported by Temenos has revealed that almost half of European banks are investing in fintech start-ups while 36 per cent are building their own greenfield digital bank or fintech company. It set out to understand emerging trends in the banking industry.

AI 139

AI Multi-Currency Non-Bank Underserved 139

Finextra

JUNE 30, 2025

Central banks across 66 countries are now in the advanced phases of exploring Central Bank Digital Currencies (CBDCs), with 44 pilots including the digital euro already underway. Digital currencies can be issued by central banks (aka. CBDCs), commercial banks (aka. tokenised deposits and stablecoins) or non-banks (aka.

Digital Currency 52

Digital Currency Real Time Gross Settlement (RTGS) Distributed Ledger Technology (DLT) Settlement 52

Finextra

JUNE 26, 2025

Non-compliance, on the other hand, can lead to data breaches and legal troubles. PCI DSS: Safeguarding cardholder data If you handle card payments, PCI DSS compliance is non-negotiable. Whether you’re a bank or a fintech company offering e-wallet services, you must meet PCI DSS standards. What is PCI DSS? You reduce fraud.

PCI DSS 52

PCI DSS AML Process Payment APIs and Integration 52

The Fintech Times

MARCH 3, 2025

After Lloyds Bank , Halifax , TSB , and Bank of Scotland customers encountered issues accessing their banking apps on 28 February, Apadmi revealed new research that explores how people interact with finance apps and how these platforms can be improved.

Addressing 59

Addressing Finance Non-Bank Mitigation 59

Finextra

JUNE 11, 2025

Indigenous Banking (Shroffs and Mahajans): Long before modern banks, India had a thriving indigenous banking system. These banks introduced formal ledger-based accounting and cheque payments. This was a significant step towards non-cash payments but was slow and prone to errors.

Financial Inclusion 52

Financial Inclusion Payment APIs and Integration Real Time Gross Settlement (RTGS) Funds Transfer 52

Finextra

JUNE 19, 2025

Acin’s AI-based platform enables financial institutions to safely digitise their non-financial risk analysis, using data intelligence and analytic capabilities. The firm has built a network that calibrates control data and facilitates the appropriate sharing of best practice and standards between financial institutions.

Risk 59

Risk AI Payment APIs and Integration Regs 59

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

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.

FinTech 59

FinTech Financial Inclusion Research Governance 59

Finextra

JULY 8, 2025

CIPS, established under the approval of the People’s Bank of China, is a wholesale payment system dedicated to cross-border RMB transactions. Notably, foreign banks can become direct participants, opening dedicated accounts and obtaining unique CIPS codes. What Is CIPS and Why Does It Matter?

Global Payments 52

Global Payments Cross-Border Real Time Gross Settlement (RTGS) Cross-Border Settlement 52

Stax

JULY 7, 2025

Credit card networks and issuing banks don’t waive their cut; instead, these costs are shifted from the merchant to the customer. It’s important to distinguish this from deceptive offers that promise free processing but hide costs in monthly fees, equipment leases, or inflated rates on non-credit card transactions.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

Fintech Finance

SEPTEMBER 11, 2024

The Capgemini Research Institute’s World Payments Report 2025 , published today, reveals an industry set to be reimagined with account-to-account and instant payments. Now celebrating its 20th anniversary edition, the report predicts instant payments will account for 22% of all non-cash transaction volumes by 2028 globally.

Instant Payments 98

Instant Payments Accounts Innovation Non-Bank 98

The Fintech Times

JANUARY 22, 2025

In its latest research, the firm uncovers how consumer spending on apps has evolved in the past year. In fact, for the fourth consecutive year, spending in non-games has outpaced spending in games with the former increasing by nearly $14billion in 2024 (25 per cent YoY growth).

AI 59

AI Consumer Non-Bank Cryptocurrency 59

The Payments Association

DECEMBER 18, 2024

Payment technology and innovation are accelerating across the fintech industry, with more companies recognising the importance of adapting to changing customer needs, with non-cash transactions projected to hit 2.3 Reserve banks mandating reduced cash use will enhance security and economic participation. trillion transactions by 2027.

Cross-Border 88

Cross-Border AI Push-to-Card Real Time Payments 88

Finextra

JULY 9, 2025

Lower transaction costs : RTP reduces dependency on SWIFT and intermediary banks. In many remote and rural parts of the country, reliable banking infrastructure isn’t always within reach. A student living away from home can get tuition support transferred instantly rather than waiting for the bank to release the funds.

Real Time Payments 52

Real Time Payments Cross-Border ISO 20022 Transactions 52

The Fintech Times

APRIL 8, 2025

International payments business Caxton has appointed Roger Bracken to its board in the position of non-executive director. Lee Dunne has been appointed as the new head of banking by European financial technology provider payabl. Lee Dunne has been appointed as the new head of banking by European financial technology provider payabl.

FinTech 59

FinTech Settlement Non-Bank AI 59

Stax

APRIL 3, 2025

Its the bridge between an eCommerce website, its customers, and the bank. Its the third-party service that serves as the link between the payment gateway, acquiring bank, and issuing bank or card network. It works in tandem with the customers bank or credit card provider to verify and authorize the transaction.

Payment Solutions 88

Payment Solutions Payment APIs and Integration Payment Gateways Gateways 88

Finextra

JUNE 21, 2025

Company Background and Evolution Shift4’s journey began in 1999, when 16-year-old Jared Isaacman started a tiny payment processing business (then called United Bank Card ) out of his parents’ basement. Shift4 also set its sights on new industry verticals – notably non-profits, gaming, and even space technology.

Payment APIs and Integration 52

Payment APIs and Integration Point-of-Sale (POS) Origination Authorization 52

Stax

DECEMBER 20, 2023

When you research payment solution providers , you’ll start hearing the term “interchange” used when talking about payments. Set rate processing Subscription rate processing TL;DR Interchange fees are not collected by your payment processor or bank; they go directly to the card-issuing banks.

Credit Cards 167

Credit Cards Debit Card Processors Non-Bank 167

Stax

MAY 6, 2025

Acquiring bank This is the merchant bank that allows the business to receive money from card transactions and store these funds. The issuing bank This is the cardholders bank or the financial institution that issued their credit or debit card. Think: Visa, Mastercard, American Express, and Discover.

Credit Cards 88

Credit Cards Online and Mobile Banking Payment APIs and Integration Credit Card Payment Processing 88

Stax

DECEMBER 12, 2024

This system guarantees secure data transmission between banks and card networks like Visa, Mastercard, and Discover. This bank account holds customer payments for 1 to 2 business days before transferring funds to your business bank account. Do your research now to protect yourself, not when its too late.

Small Business 88

Small Business Online and Mobile Banking Volume Checks 88

Clearly Payments

DECEMBER 11, 2024

These methods leverage digital wallets, mobile payments, bank transfers, and other innovative technologies to deliver more flexible options for consumers. Region-Specific Preferences : In Europe, 36% of online purchases are made through bank transfers, while Asia sees a dominance of digital wallets at 70% of transactions. In the U.S.,

Alternative Payment Methods 59

Alternative Payment Methods Online and Mobile Banking BNPL Payments 59

Fintech News

APRIL 15, 2024

Banking software provider Temenos announced the completion of an independent review on 15 April 2024, addressing allegations made by Hindenburg Research in February.

Legal 109

Legal Audit Non-Bank Research 109

The Fintech Times

SEPTEMBER 14, 2024

Fintech in Taiwan In 2019, Taiwan’s financial industry spent over $700million on fintech research and development (R&D), as well as AI, AML, biometrics, blockchain, cloud services, cybersecurity, payment and regtech solutions. Fintechs in Taiwan cover a wide range of subsectors, including crypto-focused firms WOO and Coolwallet.

Innovation 119

Innovation FinTech Payment APIs and Integration Non-Bank 119

Finovate

JULY 11, 2025

This is according to research from Payments and Commerce Market Intelligence (PCMI). Do Pay also creates a single provider for both pay-in and pay-out payment solutions thanks to leveraging its own proprietary infrastructure and direct connections with banks, acquirers, and local payment networks. billion by 2030.

Innovation 59

Innovation Cross-Border Online and Mobile Banking Payments 59