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. As embedded finance becomes ubiquitous, companies that can embed programmable money flows into their ecosystems will dominate user loyalty and revenue growth.

Payment APIs and Integration 52

Payment APIs and Integration Embedded Finance API Regulatory Compliance 52

Finextra

JUNE 6, 2025

Technology Transformation Drivers Several technological shifts are reshaping the industry: Infrastructure Evolution : The move to cloud computing, ubiquitous mobile connectivity (90% UK mobile ownership), API-driven architectures, and component-based systems is starting to replace monolithic legacy infrastructures.

Technology 52

Technology Instant Payments Authorization Scams 52

PYMNTS

AUGUST 10, 2020

Waterhouse said that in terms of TCH’s own initiatives in getting banks on board the ongoing effort to make RTP ubiquitous across the entirety of the U.S. financial services ecosystem, traction may have thus far been slower than originally thought. 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

PYMNTS

MAY 15, 2019

He added that global reach remains especially important in the disbursements business, where Visa now has a presence, moving money to consumers and firms in a manner that is truly ubiquitous. These are really all the little ingredients that are swirling around as part of this particular acquisition.”.

Cross-Border 74

Cross-Border Cross-Border Payments Credential Wire Transfer 74

PYMNTS

APRIL 6, 2016

In reference to methodology, NACHA’s survey extended across January and February, with 22 of the largest 25 ACH originating institutions responding. Norman Robinson, AAP, CTP and CEO of EastPay, stated that: “Deciding to originate Same Day ACH means smaller financial institutions can act now to support customer demand for faster payments.

Same Day ACH 46

Same Day ACH ACH NACHA AAP 46

PYMNTS

OCTOBER 10, 2016

23, the industry welcomed the rollout of ubiquitous faster payments to every consumer and business in the U.S. Now more than ever, especially in an increasingly mobile landscape, tokens have become a sought-after option because they are user-friendly, while also able to protect the companies that are originating payments.

Same Day ACH 76

Same Day ACH ACH ISO 20022 NACHA 76

PYMNTS

SEPTEMBER 23, 2016

More than 40 years after its debut, the Automated Clearing House Network becomes the first payments system in the country to offer ubiquitous faster payments to every consumer and business in the U.S. Even though NACHA will not be allowing the origination of same-day debit transactions across ACH before the Sept. Today (Sept.

Faster Payments 75

Faster Payments Same Day ACH ACH ACH Network 75

PYMNTS

NOVEMBER 20, 2018

That’s the idea behind the recently launched Faster Payments Council (FPC), a group of payment industry participants with the goal of providing a ubiquitous payment system with near-immediate funds availability anywhere. The FPC’s priorities and structure originated with the views of the 27-member Governance Framework Formation Team (GFFT).

Real Time Payments 70

Real Time Payments FPC Faster Payments Payments 70

PYMNTS

SEPTEMBER 15, 2020

Earthbound versions of actual devices were ubiquitous within 30 short years of their Syfy debut. While the super-secret Defense Advanced Research Projects Agency (DARPA) gave us the original Internet, online gaming platforms are bringing forth the Metaverse. Murmurs From The Metaverse.

Metaverse 64

Metaverse Economy Ubiquitous Caps 64

Nanonets

SEPTEMBER 20, 2024

Tables are ubiquitous, holding a large volume of information packed in a dense format. As discussed above, while LLMs were originally designed for natural language processing tasks, they have demonstrated strong capabilities in understanding and processing tabular data. The results may vary slightly each time.

Rules 135

Rules Process AI Origination 135

PYMNTS

OCTOBER 13, 2017

The 27-member team, originally called the interim collaboration work group, was established by the Faster Payments Task Force and described in its July 21 final report titled, “The U.S. They are committed to working together in order to achieve the task force vision of ubiquitous faster payments capabilities in the U.S. said Rodriguez.

Federal Reserve 41

Federal Reserve Faster Payments Governance Government 41

PYMNTS

AUGUST 4, 2016

banks will be required to accept Same Day ACH payments, with the option to originate them as well. One of the biggest choices most financial institutions have yet to make is whether or not they want to originate payments in addition to accepting them. And get something done they did. In just a few weeks, all U.S.

Same Day ACH 41

Same Day ACH ACH NACHA Faster Payments 41

PYMNTS

FEBRUARY 11, 2020

According to the latest PYMNTS Mobile Order-Ahead Tracker , “Mobile order-ahead has become ubiquitous to QSRs and nearly every chain now has an app presence, making it easy to forget that the technology was rare just 10 years ago.”

Innovation 57

Innovation Account Takeovers Ubiquitous Technology 57

PYMNTS

JULY 1, 2019

At the same time, due to the transient nature of this sector, mobile payment options are key, but not every client and service provider accepts mobile payments — while card acceptance is not ubiquitous in this sector, either. “I think the biggest barrier today is just having connected vehicles,” said Pratz. ”

Payments 59

Payments Push-to-Card Mobile Payments eWallet 59

PYMNTS

AUGUST 3, 2016

will be able to accept Same Day payments, with the option to originate them. Because Faster Payments is being implemented on an existing ecosystem, the first phase of Same Day’s launch won’t feel like a major dive into the unknown, but rather a natural next step toward ubiquitous digital financial efficiency, Kenneally said.

Same Day ACH 41

Same Day ACH ACH NACHA Faster Payments 41

Nanonets

AUGUST 26, 2024

With many operations now shifting to the digital realm, document classification is ubiquitous.    It must however not be forgotten that document classification, no matter how efficient the tool, is only as accurate as the integrity of the original document that is worked upon. 

Rules 97

Rules Non-Bank Checks Irrevocability 97

PYMNTS

MAY 4, 2016

Here are a couple of notable nuggets: In a recent NACHA survey that was distributed to 22 ACH originating institutions, 100 percent of respondents said they intend to offer same-day payroll, and 95 percent said they were planning to offer same-day B2B services.

Faster Payments 40

Faster Payments Same Day ACH NACHA ACH 40

PYMNTS

FEBRUARY 3, 2017

The sender of the fake message appears to be “DHL — Services Notification” but actually originates from a comprised inbox. Delivery notification email scams are incredibly ubiquitous because they have a high success rate,” McDonald told PYMNTS.

Scams 41

Scams Phishing Compromise Ubiquitous 41

PYMNTS

FEBRUARY 13, 2018

Originally, the appliances were not in many homes, but they are now ubiquitous. Original equipment manufacturers (OEMs) are developing all sorts of connected kitchen devices. While this technology is not widespread now, Funk said the adoption of steam ovens could hit American households like microwaves in the 1980s.

Ubiquitous 40

Ubiquitous Origination Consumer Participant 40

Stax

DECEMBER 6, 2023

Now ubiquitous, credit cards provide consumers with a quick and secure payment method, often with rewards and other perks. The rapid growth in credit card transactions led to an associated increase in the costs originating from the various card brands and incurred by businesses that accept them.

Consumer 88

Consumer Credit Cards Alternative Payment Methods Debit Card 88

The Fintech Times

JANUARY 28, 2025

In mid-January, the global paytech originating from Australia, Airwallex announced that it had completed the next step in its global expansion by entering two prominent markets in Latin America. With the future of fintech looking optimistic in 2025, Em Conversa looks to explore how the LatAm region can prosper once more.

Cross-Border 59

Cross-Border Cross-Border Payments B2B Instant Payments 59

PYMNTS

APRIL 6, 2018

But operating on a digital platform is far from ubiquitous in the B2B market, regardless of the size of the company or geographic location. There are purchase orders, invoices, sales orders, certification of origination — a lot of documents are exchanged.”. This trend isn’t isolated to small suppliers either.

B2B 40

B2B Blockchain Cross-Border Cross-Border Payments 40

PYMNTS

APRIL 14, 2017

From an ACH networks standpoint, noted Estep, innovation may be “skinny,” but operations are ubiquitous, connecting all the bank accounts in the United States. Innovation that rides on top of the rails can come from originators and receivers and software companies as well, said Estep.

ACH Network 42

ACH Network ACH Payments ISO 20022 42

Nanonets

APRIL 14, 2023

Documents are ubiquitous in business and serve as the foundation for data, information, and knowledge. By using a document-processing system to extract data, a company can digitally replicate the document's original structure, layout, text, and images. What is document processing?

Process 98

Process Automation Database Legal 98

PYMNTS

JUNE 6, 2017

This is the percentage of FIs who are onboard and ready to originate Same Day ACH debit when that capability becomes available in September. The network has evolved to offer a set of different payment options; most notably, it “allows next-day payments, value-dated payments and now same-day payments.”. Data Point Three: 92 Percent.

Same Day ACH 47

Same Day ACH ACH ACH Network NACHA 47

PYMNTS

OCTOBER 3, 2017

Since creating the company four years ago, the founders of Delikate Rayne , a cruelty-free women’s contemporary luxury clothing line, have been bringing good taste to vegan stylings in a way that both believe speaks to the origins and roots of the brand.

Ubiquitous 41

Ubiquitous Origination Product Continuity 41

PYMNTS

NOVEMBER 4, 2019

Now, they owe the original bill, plus the late fee. We prioritized utility bills over other types of billing because they are ubiquitous in people’s lives. The bill comes in the mail — or maybe via email reminder — and the customer says, “Oh, I have to pay this,” then puts the bill down on their kitchen table or desk.

Consumer 48

Consumer Ubiquitous Procedures Automation 48

PYMNTS

AUGUST 4, 2016

2015 and are now in the process of trying to make the company’s “return bars” as ubiquitous in shopping malls as food courts and bathrooms. So, the pair founded Happy Returns in Sept. ECommerce has evolved … eCommerce returns have not,” the company says on its website. The growth of online commerce continues at a rapid pace.

Returns 40

Returns Ubiquitous Process Origination 40

PYMNTS

AUGUST 14, 2019

You may have felt it earlier today – a sigh of relief originating from certain parts of the digital payments and commerce industry, a reaction to the news that the Financial Conduct Authority (FCA) has agreed to a phased implementation of the strong customer authentication (SCA) rules. SCA, slated to begin on Sept.

Authentication 46

Authentication Compliance Regulations Issuers 46

PYMNTS

APRIL 3, 2019

According to Arslan Sharif, Costa’s global digital and loyalty director, mobile ordering is quickly becoming ubiquitous for coffee brands, and companies need to consider the best ways to capture customers’ loyalties in a world where they can get their flat white in seconds from anywhere. Costa Coffee , the U.K.’s

Alternative Payment Methods 40

Alternative Payment Methods Ubiquitous Bots Innovation 40

PYMNTS

JANUARY 16, 2018

With her skills seemingly growing each day, and her audience getting ever-larger, original equipment manufacturers (OEMs) are putting Alexa to work all in smart devices over the house. will be ubiquitous, available on any and all devices” — seemingly just like Alexa. In short, Alexa is moving in — and taking over every room.

Consumer 56

Consumer Ubiquitous On-Demand AI 56

PYMNTS

JULY 6, 2020

But he added that making payments choice truly ubiquitous means having all choices integrated if one wants to build a transformational customer experience. But there are 500,000 more consumers or businesses that are originating checks and ACH today through their relationship with the bank.

Instant Payments 59

Instant Payments ACH PayPal Payments 59

PYMNTS

MARCH 18, 2019

A third settlement window was part of NACHA’s original announcement in May of 2015 , of the unanimous adoption of SDA by all of the FIs in the U.S. Meanwhile, there are already two ubiquitous faster (than before) payments rails in the U.S.: In fact, it’s more like four years old. as of January 2019. Faster Payments Is Happening, Fast.

Faster Payments 80

Faster Payments Fed RTP Same Day ACH 80

PYMNTS

DECEMBER 7, 2017

Interac e-Transfer is available at over 255 financial institutions in Canada, making the service nearly ubiquitous from coast to coast. The original Interac solutions eliminated some of that hopping. But in an ecosystem like the one in the U.S., Luckily for Interac, Canada isn’t the U.S. They were lower risk and invited less fraud.

Irrevocability 40

Irrevocability Payment APIs and Integration P2P Online and Mobile Banking 40

PYMNTS

SEPTEMBER 24, 2018

Google reported last week that it has reached a deal with the Renault-Nissan-Mitsubishi alliance to use its Android operating system as the in-dash operating system for the OEMs (original equipment manufacturers) that collectively sell more cars than any other auto OEM in the world — last year, some 10.6 million vehicles.

Consumer 76

Consumer Use Case On-Demand Ubiquitous 76

PYMNTS

APRIL 11, 2017

According to “the father of mPesa,” Michael Joseph , when the idea first appeared on his desk in 2006, M-Pesa was really about something quite different than what it has since grown into — originally it was designed for the microfinance industry for the disbursement and repayment of microfinance loans. I’m not so sure.

Online and Mobile Banking 47

Online and Mobile Banking Ubiquitous Debit Card Mobile Payments 47

CB Insights

OCTOBER 18, 2017

The move was originally supposed to bring Autodesk’s game engine a step closer to competing with Epic’s Unreal engine or Unity, both of which are making big strides into VR and are available on the Vive, Rift, and upcoming PlaystationVR.) Intel acquired Recon Instruments for $175M in Q2’15).

Origination 57

Origination Metaverse Technology Use Case 57