The Fintech Times

AUGUST 6, 2025

It is now ubiquitous for retailers to offer BNPL at checkout across several European markets. The implications are far-reaching: a token-first model could enable far more granular control over payments, reduce the value of stolen card data, and ultimately pave the way for more secure forms of embedded finance. The shift is clear.

Embedded Finance

Stax

JULY 21, 2025

The Visa and Mastercard symbols are ubiquitous at checkouts across the world. Security features Visa and Mastercard both offer a range of security benefits. While both networks provide reliable, secure, and globally accepted payment options, your best credit card choice depends on the issuer’s terms, rewards, and perks.

Visa

The Fintech Times

JUNE 18, 2025

This reflects the country’s improving financial inclusion and widespread adoption of PromptPay as a ubiquitous payment method for everyday transactions among individuals. In March alone, 2.1 billion transactions with a total value of more than 4.43trillion baht were recorded on PromptPay, a 13 per cent increase year-on-year.

Visa

The Fintech Times

AUGUST 1, 2025

. “We are helping them to embrace the latest technology to reduce the complexity and costs associated with making payments, enabling funds to flow with greater speed, accuracy and security throughout the money lifecycle.” Payment stablecoins represent a significant opportunity for U.S.

Stablecoins

Cardfellow

FEBRUARY 26, 2025

As noted in the introduction, contactless payments are credit card transactions where a customer uses either a contactless-enabled credit card or their smartphone with a credit card securely stored in a digital wallet to make a purchase. Like other forms of contactless payment, it uses tokenization and encryption to maximize security.

Contactless Payments

Finextra

JULY 20, 2025

Pay Everywhere means making PayPal ubiquitous across every channel – online, in-store, peer-to-peer, even crypto. To fulfill that promise, PayPal’s consumer strategy is built on three pillars that Chriss’s team calls “Pay Everywhere, Pay Your Way, and Get the Most Value.” A year ago, PayPal launched “PayPal Everywhere” in the U.S.,

Product

Fintech Review

MAY 10, 2025

Tokenisation also enhances security, replacing sensitive card details with encrypted tokens during transactions. 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

The Fintech Times

JANUARY 13, 2025

By leveraging open banking, OBL aims to provide consumers and businesses with a simple, secure way to move, manage, and make more of their money. This includes developing a commercial model for open banking, starting to establish a recognisable and ubiquitous brand, supporting the full rollout of commercial VRPs, and more.

Cross-Border

Fintech Finance

MAY 28, 2025

“As real-time payments become ubiquitous in Kuwait, consumers have gravitated toward secure, real-time payment methods, reshaping habits around convenience and efficiency while reducing reliance on cash.

Real Time Payments

Finextra

JUNE 23, 2025

A hybrid AI model, combining cloud-based inference with on-premises secure learning , is no longer optional; it’s table stakes. In my opinion: “We have to cross this S-curve, where we have enough infrastructure that convinces us the models are behaving correctly and the outputs are being securely managed.”

AI

Payments Dive

JUNE 9, 2025

An earlier version of cashierless checkout, the ubiquitous self-checkout line, has proven troublesome. Why Grabango failed and Amazon pulled back San Francisco-based Grabango wasn’t adding locations fast enough to impress potential investors and secure a needed funding round, said Fenyo, who is now an independent consultant.

Request for Comment

The Fintech Times

NOVEMBER 16, 2024

.” Tom Burton, director of external affairs and policy at GoCardless Tom Burton , director of external affairs and policy at GoCardless , the online payment gateway, also responded to the Vision saying: “Setting a clear ambition for seamless account-to-account payments to be developed as a ubiquitous payment method is the right way forward.

Returns

Finextra

JULY 21, 2025

From contactless cards to mobile wallets, the assumption has been that cash would gradually fade into obsolescence as digital alternatives became more convenient and ubiquitous.

Payments

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

Finextra

JULY 21, 2025

Restaurant payments app Qlub raises $30 million Qlub, the ultra-fast payment system in restaurants, has become ubiquitous across Dubai’s vibrant dining scene. Home Announcements Payments Restaurant payments app Qlub raises $30 million External This content is provided by an external author without editing by Finextra.

Payment APIs and Integration

Payments Dive

JULY 22, 2025

The cards and similarities of their perks are so ubiquitous as to become diluted for many affluent people. Among other perks, that means a “24/7” Visa concierge to help secure reservations at tough-to-book restaurants, hotel upgrades and the “automatic kind of perks when they’re traveling or when they’re going to an event,” Rahman said.

FedNow

Payments Dive

JANUARY 6, 2023

The ACH system has proven to be scalable, secure, ubiquitous and reliable, but complaints about processing times persist, writes Sila CEO Shamir Karkal.

ACH

Payments Source

DECEMBER 28, 2018

Nearly all new payments technologies strive to become as ubiquitous — and as secure — as possible. It's a goal that is harder than ever to achieve.

Payments Trends

Fintech News

NOVEMBER 5, 2024

Payment giant Mastercard is accelerating and securing online transactions in Asia Pacific by eliminating the need for one-time passwords (OTPs) with its enhanced Mastercard Payment Passkey service. This enables shoppers to complete guest checkouts without storing card details, offering enhanced security against fraud.

APACS

PYMNTS

NOVEMBER 27, 2020

Consumers can be surprisingly finicky these days when it comes to their personal identifiable data (PII), and additional security measures can strengthen trust at a critical time like this. It’s not all super high-tech either, as the humble phone call still plays a key role in proving identity. Taking Authentication To The Streets.

Multifactor Authentication

PYMNTS

JANUARY 27, 2021

The banking industry faces many day-to-day business challenges, including competition with digitally native FinTechs and the ubiquitous social distancing restrictions brought on by the pandemic. Lackluster customer onboarding authentication is one of the weakest points in most banks’ anti-fraud security systems.

Innovation

FICO

MAY 8, 2020

Security and Authentication in a Digital World. For many years we’ve been reliant on usernames and passwords to secure digital accounts – but we know these aren’t adequate. Any new authentication methods as a minimum, must offer a suitable level of security and be acceptable to those that use them.

Authentication

PYMNTS

NOVEMBER 9, 2016

It’s ubiquitous. Enter 3-D Secure 2.0. In a webinar with James Rendell, vice president of payment security at CA Technologies, and Paul Baker, vice president/senior business leader of enterprise security solutions at Mastercard, PYMNTS’ Karen Webster delved into just how 3-D Secure 2.0 It could mean anything.

Security

PYMNTS

JANUARY 18, 2021

Decathlon faced its share of security and customer acceptance challenges when rolling out its QR code system as an alternative to cash payments. The key to gaining customer trust came down to simplicity and security, according to Leon. Ensuring the security of these QR codes is also critical to widespread acceptance, said Leon.

Contactless Payments

PYMNTS

NOVEMBER 30, 2020

As corporate card products grow more popular, virtual cards provide enhanced security and greater control, without compromising the familiarity of making a credit card payment. However, for years businesses have sought to create a more seamless, secure and controlled experience around corporate card issuance and spending.”.

Visa

Fintech News

MARCH 27, 2024

Leveraging its extensive experience and a US$10 billion investment in technology and innovation over the past five years, Visa aims to enhance fraud prevention and network security. James Mirfin “Real-time, digital payments are nearly ubiquitous, creating a need for security solutions that are transformative and adaptive to the real-world.

Fraud Prevention

PYMNTS

AUGUST 8, 2019

A person’s phone number, according to Meier, can serve as a reliable path toward frictionless, secure interactions between consumers and banks, payment service providers and other organizations. Meier said there is serious pressure to move further away from knowledge-based authentication methods and even Social Security numbers.

Security

PYMNTS

DECEMBER 28, 2020

Regulation will be more of an issue for crypto companies the bigger and more ubiquitous they become, Bloomberg reported. One example is the Securities and Exchange Commission (SEC) lawsuit against Ripple for allegedly holding a $1.3 billion unregistered securities offering. In January, by contrast, it sat at just $7,200.

Regulations

PYMNTS

SEPTEMBER 28, 2016

However, according to David Velez, the company’s CEO, utilizing smartphones for security means it’s especially important to protect that information, which, as the FTC points out, can be used by fraudsters to steal a user’s identity. However, it has recently embraced some partnerships with outside security vendors, Velez said.

Security

PYMNTS

SEPTEMBER 25, 2020

But Mester said there’s still a need for “further consideration” to evaluate whether such digital currencies could be utilized for speedier and ubiquitous emergency payments. Meanwhile, Mester said that a Fed survey of consumers taken in May found that Americans had increased their cash holdings during the pandemic.

Fed

PYMNTS

JANUARY 6, 2017

And in an age where cybercriminals seem to be ubiquitously lurking at all times, security becomes every merchant’s, issuer’s, card network’s and consumer’s problem. At this point, there are almost no serious players in the game willing to shrug off the importance of security for their system.

Data Security

Open Banking Excellence

NOVEMBER 7, 2023

It has also proved that banks are ideally positioned as the base for a digital identity scheme – as they are highly regulated to check identities and invest heavily in IT security to protect data. Their data is transferred securely and in real-time to the relying party’s platform to provide authentication of the individual’s identity.

Due Diligence

PYMNTS

JUNE 4, 2019

As artificial intelligence becomes more and more ubiquitous, Gauthier says the move toward shopping by voice in inevitable. What may be holding many consumers back from making the leap to voice shopping, however, are the potential security risks.

Security

Fintech Finance

JULY 2, 2024

Click to Pay is primed to become as ubiquitous as contactless payments. With digital transactions becoming the norm, there’s an increasing need for solutions that can guarantee a smooth and secure checkout process, and Cardstream continues to team up with partners in developing technology to do this.

Visa

PYMNTS

SEPTEMBER 9, 2019

The ideal cross-border payment solution provides speed, security and compliance and transparency, while also being ubiquitous enough to be widely available for use. The only problem is, no one of these 57 systems is ubiquitous enough to be universally applicable.

Cross-Border Payments

PYMNTS

NOVEMBER 13, 2020

The telecommunications industry is but one of many sectors looking to more securely verify customers and avoid fraud, which remains a growing problem. Digital identity apps are quickly becoming ubiquitous as replacements or supplements to physical identity documents in many countries.

Multifactor Authentication

Fintech Finance

NOVEMBER 6, 2024

As payments become more intricate, Mastercard today announced the latest enhancement to its new Mastercard Payment Passkey Service which enables secure, on-device biometric authentication through facial scans or fingerprints, the same way consumers unlock their phones every day.

Visa