M2P Fintech

MARCH 24, 2025

This includes employing machine learning algorithms to automate parts of the loan application and underwriting process, as well as using digital platforms to facilitate communication between borrowers, lenders, and other relevant parties. AI, ML, and blockchain enhance risk assessment and security.

Payment APIs and Integration

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

Trade Credit & Liquidity Management

AUGUST 1, 2025

Strengthened Client Relationships: Better model accuracy enables personalized, reliable risk assessment, so executives can confidently extend credit, tailor terms, and spot growth opportunities for clients—ultimately improving customer satisfaction and loyalty.

Risk Management

Payments Dive

JULY 11, 2025

Current FHA policies “largely exclude” BNPL loans from underwriting determinations, HUD said. These are some of the 22 questions in HUD’s solicitation: “What financial behaviors set frequent BNPL users apart from traditional credit users, and how can this guide FHA risk assessments?” “How

BNPL

The Fintech Times

JUNE 19, 2025

AI, automation, and embedded insurance are just some of the technologies driving change in everything from underwriting and claims to customer engagement, leading many industry firms and leaders to rethink their approach. “The increase in available data sources is transforming risk assessment capabilities.

AI

The Fintech Times

JULY 21, 2025

Led by Tanmay Gore , director of Intersys India, the Mumbai-based office is addressing a key challenge in the market: the difficulty of assessing and pricing cyber risk for organisations that often lack dedicated IT security resources.

Risk Assessment

PYMNTS

MARCH 23, 2020

But after years of finding SMBs too unprofitable to finance, lenders have to play catch-up to develop better underwriting processes for greater accuracy and efficiency. “But at the same time, they have all lacked a credible tool to conduct an assessment of these [SMBs] in an independent way.”

Underwriting

PYMNTS

MARCH 10, 2020

Inaccurate and slow credit risk assessment for [small- to medium-sized business (SMB)] commercial loan requests is one of the major reasons that over 50 [percent] of loans are currently declined by financial institutions (FIs),” said Roger Vincent, chief innovation officer at Trade Ledger.

Risk Assessment

Payments Source

JANUARY 28, 2020

Alternative lending companies are one of the strongest examples of how leveraging rich financial transaction data can be used to go beyond traditional credit risk assessments, says Finsync's Eddie Davis.

Underwriting

Nanonets

SEPTEMBER 27, 2024

Traditional (manual) underwriting processes often struggle to keep pace with the growing complexity of modern risk assessment, data collection, and policy management. These include customer applications, financial records, medical reports, and external risk assessments such as geographic or weather-related data.

Underwriting

Stax

DECEMBER 20, 2023

From there, your users must go through an application and underwriting process that determines their eligibility to accept payments. TL;DR Merchant underwriting is the risk level assessment process an acquiring bank carries out on every new merchant before they grant them a merchant account. What Is Merchant Underwriting?

Underwriting

EBizCharge

NOVEMBER 12, 2024

Merchant underwriting is an essential component of the payment processing industry, ensuring the safety and security of electronic payments. This process is critical for payment processors, who must determine whether a business poses a high financial risk. What is merchant underwriting?

Underwriting

Finezza

JANUARY 4, 2024

A combination of superior risk assessment, fraud detection capabilities, and quick and accurate underwriting turnaround can transform a lender’s success rate with borrowers and reduce non-performing assets. The revenue growth and profitability of a lending business depend on several factors.

Transactions

FICO

OCTOBER 27, 2016

It is also an important assessment tool for third parties such as potential business partners and, notably, cyber insurance providers. The number of underwriters active in the US market is growing rapidly as well, with a double-digit CAGR. The lingua franca of cyber breach underwriting .

Risk

Nanonets

APRIL 26, 2023

Automation can have a significant impact on this process—particularly the loan underwriting process. Loan underwriting is the step before a loan is approved or denied, where a lender verifies a potential borrower’s income, assets, debt and property details in order to issue final approval for the loan.

Underwriting

Fintech News

JUNE 12, 2024

It integrates an advanced cyber risk exposure scanning solution into the underwriting process. This technology enhances risk assessment by generating a real-time security posture score within a minute, allowing eligible small and medium-sized enterprises to obtain instant policy issuance in under 10 minutes.

Risk Assessment

Fintech Review

JUNE 12, 2024

We explore the innovations in personalised insurance products, the role of IoT devices in data collection and risk assessment, and the challenges faced by established insurance companies integrating new technologies. Enhanced Risk Assessment IoT data provides insurers with a more accurate understanding of risk profiles.

Risk Assessment

FICO

AUGUST 16, 2021

FICO Applauds FHFA Inclusion of Rental Data in Underwriting. Last week, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae will begin considering borrowers’ rental payment history in its risk assessment process. Joanne Gaskin. Mon, 08/16/2021 - 18:53.

Underwriting

FICO

MARCH 25, 2020

The score was used in addition to data from loan applications, Home Credit’s existing internal scorecards, and other external data sources to cut credit risk on point-of-sale (POS) loans by 25 percent and online loans by 15 percent compared to the old generation of models.

Risk

PYMNTS

APRIL 24, 2020

percent employ it for credit underwriting. percent reported using AI for underwriting and risk assessment purposes. Another key trend is that early AI adopters are more focused in how they are applying the technology. Among banks that use AI, 92.9 percent do so in payment services, and 71.4

Credit Risk

Fintech News

SEPTEMBER 4, 2024

Jenfi uses a proprietary risk assessment engine that evaluates both a business’s creditworthiness and its marketing growth efficiency. This integration provides Jenfi with real-time data on a company’s revenue growth and marketing return on investment, enabling continuous monitoring and fast underwriting decisions. With a US$6.6

FinTech

PYMNTS

NOVEMBER 2, 2020

The release stated firms have more often been looking for data to validate their own internal counterparty and credit risk assessment. Firms can bolster risk management, loan and debt underwriting, portfolio optimization, supply chain risk management and investment idea generation, the release stated.

Credit Risk

Fintech Labs Insights

OCTOBER 13, 2015

In the agreement, both companies will leverage the other’s unique security layer to combine email risk assessment with fraud scoring. Emailage, which debuted at FinovateSpring 2015 , offers a tool that assesses the risk associated with an email address. Feedzai made its European debut at FinovateEurope 2014.

Risk Assessment

The Fintech Times

JULY 31, 2024

“One of the most meaningful ways we protect our customers and their homes is to work with them to understand and mitigate risk,” said Rebecca L. .” ” With ZestyAI models, carriers are able to move from territory-based segmentation to a property-by-property risk assessment.

Risk

PYMNTS

JUNE 1, 2020

invoice insurance provider Nimbla is teaming up with the credit risk assessment firm Wiserfunding , according to a report in Crowdfund Insider on Friday (May 29). The partnership is a result of the launch of the FinTech task force Innovate Finance , which took place in March, the report said.

Risk Assessment

Fintech Finance

FEBRUARY 24, 2025

By leveraging data sources across 220 countries & territories, the collaboration will provide region-specific solutions and access to business-relevant data along with documents and risk assessment models to help FIs onboard clients, vendors and dealers digitally and securely.

AML

The Fintech Times

MARCH 29, 2024

From enhancing risk assessment accuracy to personalising products and services, insurers are leveraging data analytics to optimise decision-making processes, mitigate risks and cater to evolving consumer needs. “At Cowbell, we are actively assessing the cyber risk posture of over 39 million businesses in the US and the UK.

Risk Assessment

PYMNTS

APRIL 3, 2019

The cyber insurance market is an emerging sector, Sayata Labs CEO and Co-Founder Asaf Lifshitz explained in a recent interview with PYMNTS, and insurance providers are facing some tough hurdles in underwriting and risk mitigation. Rapid Expansion. Technology, Partnerships Address the Gaps. ”

Small Business

PYMNTS

NOVEMBER 3, 2020

The release stated firms have more often been looking for data to validate their own internal counterparty and credit risk assessment. Firms can bolster risk management, loan and debt underwriting, portfolio optimization, supply chain risk management and investment idea generation, the release stated.

Credit Risk

Stax

JANUARY 8, 2024

Several US legislations (like the Patriot Act, anti money laundering laws , or FinCEN regulations) require PayFacs to know the identities of the business owner(s) they plan to facilitate payments for, during the underwriting stage. This requires sound underwriting policies and procedures. This means PayFacs always need to be vigilant.

Risk Management

Nanonets

DECEMBER 13, 2023

A survey by Accenture on underwriting employees found that up to 40% of underwriters’ time is spent on non-core and administrative activities. Risk Assessment and Compliance Prediction: AI can assist in proactively identifying potential compliance risks by analyzing historical data and patterns.

AI

PYMNTS

OCTOBER 3, 2016

Fannie Mae, which is the government-run entity that finances mortgages across the United States, is now revamping its risk assessment technology in an effort to include more information on borrowers’ credit. The expanded information will tap into credit card payment history.

Risk Assessment

Nanonets

APRIL 11, 2023

The need to minimize risk and maintain loan portfolio quality : In a volatile economic environment, lenders must carefully manage risk to protect their loan portfolios and maintain financial stability. This includes borrower information, income, and other relevant details required for underwriting.

Origination

FICO

NOVEMBER 30, 2016

These intelligent scores can be used to assess risk in the underwriting process for cyber security insurance, an exploding category that CFO magazine calls a “must have” : “A September [2016] survey by the Risk and Insurance Management Society found that 80% of the companies bought a stand-alone cybersecurity policy in 2016.”

AI

The Fintech Times

MARCH 12, 2024

“Launched in 2012, the UN Environment Programme’s Principles for Sustainable Insurance Initiative (PSI) acts as a framework for the industry to tackle ESG risks and opportunities. As evidence mounts showing that EVs can be safer than traditional vehicles, insurers must adjust their risk assessments and pricing models accordingly.”

Mitigation

PYMNTS

SEPTEMBER 18, 2018

Because as of today, the world of mortgage underwriting isn’t built for gig workers or the self-employed, thus making it challenging for those looking to dip in a toe. In the pre-2008 world, there was a genuinely failure in underwriting and risk assessment, as banks handed out mortgage loans to people who could not afford them.

Underwriting

Finovate

SEPTEMBER 23, 2024

Power f raud detection and risk management While GenAI can continuously monitor transactions to detect anomalies and identify fraudulent patterns, Agentic AI can instantly flag suspicious activities, alert relevant parties, and even block transactions.

AI