Fintech Finance

FEBRUARY 13, 2025

The total dollar amount sent on the platform increased 27% from 2023, while transaction volume on Zelle totaled 3.6 2024 highlights include: 151 million consumer and small business accounts are enrolled to use Zelle, an increase of 16 million from 135 million in 2023. billion, a 25% increase from the prior year.

Zelle 86

Zelle Credit Union Scams Small Business 86

Stax

JUNE 23, 2025

Businesses use ACH API integration to lower payment processing costs, streamline high-volume or recurring payments, and improve payment status visibility. Using an API to process ACH payments allows you to minimize fees, especially for high-volume or recurring payments, such as payroll or vendor disbursements.

ACH 88

ACH API Payment APIs and Integration ACH Network 88

Fintech Finance

APRIL 24, 2025

Nearly half (47%) of US banks now experience overwhelming corporate demand, more than triple the 16% from 2024. Banks are now bracing for a 23% increase in instant payments volumes over the next three years. Over one in ten (12%) expect that surge to top 50%.

Transaction Limits 84

Transaction Limits RTP FedNow Instant Payments 84

Fi911

MAY 14, 2025

This blog will explore the fundamentals of encryption and tokenization, their differences, use cases in the banking and payment industries, as well as their benefits and limitations. There are two main types of encryption utilized in financial systems: Symmetric Encryption Uses a single key for both encryption and decryption.

Encryption 89

Encryption PCI DSS Online and Mobile Banking Database 89

Fintech News

APRIL 3, 2025

Since its launch, RLUSD has reached a market capitalisation approaching US$250 million and recorded nearly US$10 billion in trading volume. Ripple confirmed that select customers, including payment providers BKK Forex and iSend, are already using the stablecoin within Ripple Payments to manage cross-border treasury operations.

Cross-Border Payments 79

Cross-Border Payments Cross-Border Stablecoins Payments 79

The Payments Association

DECEMBER 17, 2024

RLUSD is ideal for financial use cases and allows institutions to: Facilitate instant settlement of cross-border payments. Ripple Payments has served $70 billion in payments volume and counting and has near-global coverage with 90+ payout markets, representing more than 90% of the daily FX market coverage.

Stablecoins 88

Stablecoins Compliance Federal Reserve Cross-Border Payments 88

The Payments Association

JUNE 3, 2025

This enables rapid scaling of new payment use cases, without duplicating risk exposure. As tokenisation volumes surge, financial institutions must grapple with more than just compliance; they face structural challenges in scaling data infrastructure to handle real-time, tokenised transactions across ecosystems.

Security 88

Security Payment Security Payment APIs and Integration Credential 88

The Fintech Times

JULY 3, 2025

” RLUSD supports a wide range of use cases, including cross-border payments, global treasury management, and access to US dollar liquidity. Ripple Payments boasts near-global coverage with over 90 payout markets representing more than 90 per cent coverage of the daily FX markets, processing more than $70billion in volume.

Cross-Border Payments 69

Cross-Border Payments Cross-Border Stablecoins Interoperability 69

Fintech News

APRIL 24, 2025

Revenue from wealth services rose nearly 300% to US$647 million, while card payments and foreign exchange brought in US$887 million and US$540 million respectively. Subscription income increased 74% to US$541 million, reflecting higher adoption of Revoluts paid plans. The companys customer base expanded by 38% to 52.5

Posting 86

Posting Financial Literacy On-Demand Use Case 86

Fintech News

FEBRUARY 10, 2025

In this article, we cover the developments between Agentic AI in fintech and possible use cases, giving a glimpse into how financial services could look like in the near future. If applied successfully, Agentic AI could revolutionise financial services by introducing higher levels of autonomy, efficiency, and adaptability.

AI 74

AI FinTech Fraud Detection Fraud Prevention 74

Fintech News

JANUARY 9, 2025

Capable of processing high transaction volumes, the platforms seamlessly demonstrated their readiness for large-scale deployment. Following the success of the Immediate State, the Intermediate State phase will expand digital asset use cases. Another critical feature was the systems scalability and fault tolerance.

Distributed Ledger Technology (DLT) 124

Distributed Ledger Technology (DLT) Multi-Currency Interoperability ISO 20022 124

Fintech Finance

FEBRUARY 12, 2025

In the past year, TrueLayer has experienced a 5X increase in ecommerce transaction volume, with some of Europe’s most successful brands, including industry leaders like Ryanair, JustEat and Lastminute.com, adding TrueLayer’s Pay by Bank solution into their checkouts. We look forward to announcing more on that later this year.”

Consumer 59

Consumer Acquirers Instant Payments Transactions 59

Finovate

JUNE 16, 2025

SmartStream Air leverages AI and machine learning to automate the process of reconciling and managing large volumes of data. SmartStream Air enables institutions to reconcile and manage large volumes of data, leveraging AI and machine learning to automate this process.

Reconciliation 65

Reconciliation Use Case Fraud Detection AI 65

The Fintech Times

JANUARY 26, 2025

.” Within just four months of launching FDUSD, the token achieved a market cap exceeding $1billion, becoming the second most traded stablecoin on centralised exchanges, with the highest single-day trading volume exceeding $23billion.

Stablecoins 59

Stablecoins Cross-Border Payments Cross-Border Multi-Currency 59

Clearly Payments

MAY 13, 2025

The Basics Merchants can receive Interac e-Transfers just like individuals, but there are two common ways to set it up for business use: Standard Interac e-Transfer (Manual): You receive the payment, then manually log into your bank to accept it. This works for small businesses with lower volumes.

Credit Cards 94

Credit Cards Online and Mobile Banking Settlement Processors 94

The Fintech Times

JUNE 18, 2025

The Central Bank of Brazil has continued to capitalise on Pix’s momentum and announced in April 2025 that it had four new features in the pipeline that would be rolled out over the next year, thus giving the payment function even more use cases. Most other LatAm systems, however, aren’t even close. We’re tracking this shift closely.

Credit Cards 49

Credit Cards Central Bank Payments Volume 49

Finovate

JUNE 16, 2025

1) What is your use case? If your business processes a high volume of payments or regularly encounters steep interchange fees, issuing a stablecoin could help lower transaction costs. These benefits sound appealing, but does all of this mean that your firm should launch its own stablecoin?

Stablecoins 81

Stablecoins Settlement Multi-Currency Cross-Border 81

The Finance Weekly

JANUARY 5, 2025

Key Features Pre-built workflows for fintech use cases. Pros Handles high interaction volumes. With support for over 130 languages, its a top choice for global finance brands. Two-way notifications for customer updates. Multilingual and social media support. Personalized financial recommendations.

AI 130

AI Finance Automation Non-Bank 130

Stax

MARCH 6, 2025

Use case: Customers can pay by tapping their smart devices into the vendors NFC-enabled POS. Use case: Placing NFC tags on products allows customers to tap their phone to the tag and quickly pay for an item. Use case: Placing NFC tags on products allows customers to tap their phone to the tag and quickly pay for an item.

Contactless Payments 88

Contactless Payments Online and Mobile Banking Encryption CHIPS 88

The Payments Association

JUNE 23, 2025

The system even goes as far as advising the merchant on which new PSPs to enlist, based on historical approval rates and cost analysis that are customized to the merchant’s use case. Especially for high-volume merchants that operate across numerous regions and currencies, these savings accumulate over time.

Technology 88

Technology Payments Wire Transfer Processors 88

Finovate

JULY 1, 2025

Operating in more than 40 countries around the world, InComm has more than 525,000 points of retail distribution, processes more than $65 billion in annual transaction volume, and manages more than one billion cards a year.

ATM 59

ATM API Use Case Volume 59

PYMNTS

OCTOBER 15, 2020

That’s especially true for larger corporates, where large volume, high dollar value transactions have been gaining traction, especially in B2B settings. Kresse, of FIS, echoed that sentiment, stating the company has seen a “massive increase in ACH volumes” for FIs, at a quickening pace. So that is certainly an aspiration.

Real Time Payments 125

Real Time Payments NACHA SWIFT TCH 125

Fintech Finance

AUGUST 15, 2024

Instant payments use the FedNow service, developed and launched by the Federal Reserve in July 2023, and the RTP® network, launched in 2017 by The Clearing House. So far, over 1,000 banks and credit unions have signed on with either the RTP or FedNow networks, or both, and instant payment volume continues to grow. is growing.

Instant Payments 105

Instant Payments Treasury RFP RTP 105

Fintech Finance

APRIL 30, 2024

With four of the top five real-time payments markets by volume, the APAC region is projected to see over 351.5 The European Union (EU) Instant Payments Regulation, passed in February 2024, is expected to drive instant payments volume across the Single Euro Payments Area, including the 27 EU member states. billion by 2028.

Real Time Payments 52

Real Time Payments Use Case Transactions Cross-Border 52

Tearsheet

FEBRUARY 16, 2024

This extended partnership will focus on integrating additional instant payment use cases across a range of payment flows for consumers, businesses, and governments. FedNow and RTP are eyeing new use cases to compete for bank partnerships, however, achieving widespread adoption remains a shared hurdle for both instant payment rails.

Instant Payments 119

Instant Payments RTP TCH Visa 119

Finextra

JUNE 25, 2025

Using the sandbox and Mastercards latest A2A payments technology, banks will be able to test new flows, including retail and digital assets, across person to person, person to merchant, and business to business use cases.

Instant Payments 59

Instant Payments Visa Real Time Payments Payments 59

Fintech Finance

JULY 10, 2024

In Q2, payment volume grew 7% while overall payment value jumped 30% on the RTP network, as businesses and corporations increased the number of higher-value payments sent on the system as they leveraged instant payments for cash concentration. RTP Network Records: Second Quarter 2024 Single Day Value: $1.1

RTP 96

RTP Instant Payments Credit Union Volume 96

Fintech Finance

MAY 1, 2025

The pilot included FAB’s successful completion of time-based and threshold balance-based account funding into deposit accounts to execute a payment obligation and laid the groundwork for use cases such as automated and conditional invoice payments, margin funding and settlement solutions. Since inception , over $1.5

Cross-Border Payments 69

Cross-Border Payments Cross-Border Settlement Blockchain 69

Nanonets

NOVEMBER 18, 2024

Costs that scale poorly for large volumes 3. 8 Tungsten Capture High-volume document scanning 4.3/5 5 No Custom pricing 46.3 (*Refer to scoring methodology at the bottom) Now, let's examine each alternative in detail to understand their specific strengths, limitations, and ideal use cases. 5 No Pay-as-you-go ($1.50

Volume 52

Volume Automation AI Process 52

The Payments Association

FEBRUARY 10, 2025

Andrew Doukanaris Ambassador, The Payments Association While vIBANs have positive use cases, challenges exist in limited monitoring of the end user, alignment with the PSPs risk appetite, and the lack of a consistent framework to mitigate financial crime and regulatory risks.

IBAN 88

IBAN AML Master Account Due Diligence 88

The Fintech Times

JANUARY 10, 2025

By providing a reliable source of RLUSD pricing data on Ethereum mainnet, Chainlink Price Feeds are enablingdevelopers to integrate support for RLUSD into their DeFi applications for use cases such as trading, lending, and more. With the Chainlink standard, Ripple will provide the RLUSD ecosystem with access to offchain data.

Stablecoins 64

Stablecoins Cross-Border Payments Cross-Border Settlement 64

Fintech Finance

MARCH 20, 2025

These landmark numbers show that 2025 will be a critical turning point for open banking solutions like Pay by Bank as use cases grow and expand into more markets. This helps Pay by Bank reach a wider audience, driving up the volumes of payments being processed daily.

Payment Service Provider (PSP) 59

Payment Service Provider (PSP) Payments On-Demand Instant Payments 59

Fintech Finance

OCTOBER 17, 2024

BVNK will integrate USDC more deeply into its payment offerings, enabling businesses to leverage USDC’s speed and stability for a variety of payment use cases. USDC is a fully reserved dollar stablecoin backed 100% by liquid cash and cash-equivalent assets and is redeemable 1:1 for US dollars. trillion in June 2024.

Business Payments 105

Business Payments Stablecoins Use Case Payroll 105

The Payments Association

JUNE 16, 2025

In contrast, asynchronous payments could serve niche use cases, such as ticketing or peer-to-peer gifting, if paired with clear user warnings and fallback mechanisms. Storage limitations within these chips also constrained transaction volumes and the complexity of risk detection algorithms.

Settlement 88

Settlement CBDC Payment APIs and Integration Privacy 88

Fintech Finance

JANUARY 30, 2025

REPAYs integration with the Worth platform will enable faster merchant onboarding and high-volume AP vendor enrollments, leveraging Worths 1,100-plus data points for precise, transparent and timely decisioning of underwriting and onboarding activities.

Enrollments 98

Enrollments Underwriting Mitigation Use Case 98

PYMNTS

NOVEMBER 25, 2020

“The good news is that the modern technology and the available platforms mean [financial institutions] FIs don't have to make a ‘call’ and lay large bets on systems that either have an insignificant amount of volume or aren't even extant today,” Ranta said. We have not seen the use cases or the digital overlay services rolled out,” he noted.

Real Time Payments 114

Real Time Payments RTP FedNow TCH 114

PYMNTS

JANUARY 8, 2021

In short, the global pandemic has ushered in rising usage — and use cases — for TCH’s RTP ® network, and Whisler doesn’t see that slowing down anytime soon. To me, the bottom line is the more volume, the better the pricing for all participants in the industry,” she said. RTP Outlook.

RTP 139

RTP TCH Funding Agent Continuing Education 139