PYMNTS

FEBRUARY 12, 2018

They wanted to look nice, but with hundreds and thousands of new products launching on the market annually, only the most interested and invested consumers would ever encounter most of them. Physical makeup powerhouse Sephora has its own subscription line, a legion of dedicated consumers and international brand recognition.

Origination 40

Origination Product Consumer Innovation 40

PYMNTS

JUNE 23, 2020

The Big Style Sale was created as something of an event filler and something of a way to juice consumer spending. First and foremost, consumer[s] are facing an economic downtown and won’t be in the mood for a lavish buying spree in July (when the usual Amazon Prime Day date happens).

Consumer 64

Consumer On-Demand Origination Returns 64

Finovate

FEBRUARY 22, 2024

Headquartered in North Carolina, nCino made its Finovate debut at FinovateEurope in 2017. The institution will leverage nCino’s Cloud Banking Platform to enhance its loan origination operations for mortgages, personal loans, overdrafts, credit cards, car loans, and business loans. million last year.

Point-of-Sale (POS) 52

Point-of-Sale (POS) Origination Credit Union APACS 52

PYMNTS

NOVEMBER 23, 2017

There was a time in America when Thanksgiving wasn’t real until you’d consumed a neon-colored “salad” composed of jello, marshmallows, pineapple and ham. As of 2017, Thanksgiving’s evolution is continuing forward into the future. According to the American Farm Bureau Federation, 2017’s dinner table prices are hitting five-year lows.

Consumer 52

Consumer Origination Blockchain Economy 52

Fintech Finance

DECEMBER 13, 2023

Trustly , a global leader in Open Banking Payments, is proud to announce that it is seeing tremendous adoption of its Real-Time Payments (RTP®) service and has become one of the largest originators on the RTP® network. Specifically, Trustly’s RTP® volume grew 29% in transaction volume and 31% in payment value from Q2 2023 to Q3 2023.

RTP 52

RTP Volume Real Time Payments Origination 52

PYMNTS

NOVEMBER 20, 2018

In the year between Q2 2017 and Q2 2018, sub-prime consumer loan originations grew 28 percent between Q2 2017 and Q2 2018 across the categories of auto loans, mortgage loans and credit cards. This reverses the previous year’s trend, between 2016 and 2017, when sub-prime loan originations across categories fell by 7.1

Underwriting 75

Underwriting Origination Credit Cards Credit Limit 75

FICO

JANUARY 21, 2020

However, some lenders can miss opportunities by not continuing to monitor those same consumers’ risk profiles once the credit has been granted to them. I will share a recent analysis completed on South African data for both new lending and existing consumers. Account Origination Analysis Shows Downward Shift in Risk.

Credit Risk 52

Credit Risk Risk Economy Origination 52

CB Insights

OCTOBER 31, 2018

In line with the recent surge of consumer and investor interest in craft spirits , Deacon Giles produces a range of artisanal, small-batch “damn righteous spirits,” including its Original Gin and Liquid Damnation Rum. Sanctuary investors include Greycroft Partners , which participated in a $1.55M seed round in 2017.

Consumer 53

Consumer Origination Consulting Participant 53

Finovate

AUGUST 12, 2024

Ivankovich takes the place of John Deignan, who has served as Baker Hill CEO since 2017. ” Founded in 1983, Baker Hill offers banks and credit unions a SaaS solution for commercial, small business, and consumer loan origination, as well as risk management tools. After serving in the U.S.

Credit Union 59

Credit Union Small Business Innovation Risk Management 59

PYMNTS

AUGUST 18, 2017

consumer’s relationship with debt. Consumers in the U.S. trillion as of the end of Q1 2017, nudging past the $12.68 Or are we seeing more growth from the more affluent consumers who have higher [credit] scores and the ability to spend more?”. Now it’s up there with student loans and mortgages.”. trillion back in Q3 2008.

Consumer 43

Consumer Credit Cards Non-Bank Economy 43

Fintech News

JUNE 18, 2024

These professionals are acknowledged not only for managing large advertising budgets or market shares, but also for engaging and inspiring consumer communities through meaningful work and impactful actions. The 2024 Asia-Pacific Power List features 50 marketers in APAC which have demonstrated resilience, empathy, and a clear sense of purpose.

APACS 107

APACS Visa SARS Credit Cards 107

Fintech Labs Insights

MARCH 23, 2017

FinDEVr 2017 New York is in the books. As always, we asked our attendees to tell us which companies and technologies were best positioned to make the greatest impact on the financial services industry in terms of providing greater security, increased efficiency, and a better user experience for consumers. Favorite Startup Company.

Fraud Prevention 25

Fraud Prevention Database Cybersecurity Origination 25

PYMNTS

AUGUST 9, 2017

According to Williams, pay-by-sound uses an advanced, ultra-low power, wireless transmission technology to transmit data via sound waves that originate from the very same POS terminals that retailers are already using. In 2017, alternative payments should not be a game of, “Can you hear me now?”. Why Sound Is Better.

Consumer 80

Consumer Chip Cards Point-of-Sale (POS) CHIPS 80

CB Insights

DECEMBER 19, 2017

Big food companies faced a variety of challenges in 2016, as smaller companies gained market share, consumers sought out healthy options, and direct-to-consumer distribution models — including Amazon’s new private-label food and beverage brands — moved onto the scene. It aims to launch its products in 2017.

Consumer 31

Consumer Blockchain Product Participant 31

CB Insights

DECEMBER 19, 2017

Big food companies faced a variety of challenges in 2016, as smaller companies gained market share, consumers sought out healthy options, and direct-to-consumer distribution models — including Amazon’s new private-label food and beverage brands — moved onto the scene. It aims to launch its products in 2017.

Consumer 31

Consumer Blockchain Product Participant 31

CB Insights

DECEMBER 19, 2017

Big food companies faced a variety of challenges in 2016, as smaller companies gained market share, consumers sought out healthy options, and direct-to-consumer distribution models — including Amazon’s new private-label food and beverage brands — moved onto the scene. It aims to launch its products in 2017.

Consumer 31

Consumer Blockchain Product Participant 31

CB Insights

DECEMBER 19, 2017

Big food companies faced a variety of challenges in 2016, as smaller companies gained market share, consumers sought out healthy options, and direct-to-consumer distribution models — including Amazon’s new private-label food and beverage brands — moved onto the scene. It aims to launch its products in 2017.

Consumer 31

Consumer Blockchain Product Participant 31

FICO

JUNE 28, 2018

Shanghai Pudong Development Bank Issued More Than 9 Million New Credit Cards Last Year Using FICO Originations. Shanghai Pudong Development Bank (SPDB) Credit Card Center, a credit card lending pioneer in China, has increased its customer base using originations powered by technology from analytics software firm FICO.

Credit Cards 51

Credit Cards Origination Risk Assessment AI 51

PYMNTS

JULY 4, 2018

As a consumer lending category with the fastest growth, outstanding balances for personal loans jumped by about 18 percent to $120 billion in the first quarter. A lot of credit goes to the FinTech lenders for reinvigorating a loan category that’s been around forever,” Jason Laky, TransUnion ’s consumer-lending business lead, told Bloomberg.

Origination 44

Origination Credit Cards Consumer FinTech 44

FICO

NOVEMBER 22, 2018

Many lenders in markets outside the US use FICO® Scores to assess the risk of consumers applying for loan, but don’t continue to monitor those consumers’ risk using the FICO Score. Account Origination Analysis Shows Shift in Risk. In 12 months, the average score for this group of consumers has dropped by 11 points.

Accounts 45

Accounts Origination Risk Credit Risk 45

FICO

MAY 10, 2018

Alliant Credit Union , one of the largest credit unions in the United States, has transformed its consumer lending business and is exceeding its lending goals since implementing FICO technology solutions in 2016. It then added home equity products in October 2017 and RV loans in February 2018.

Credit Union 61

Credit Union Origination Credit Cards Process 61

PYMNTS

MARCH 14, 2017

Whether it’s checking a bank account balance or placing an order online, consumers expect fast, convenient and immediate results. DE: The idea of fast funds continues to consume an outsized proportion of the industry’s headspace. Best of all, it’s instant, guaranteed and comfortable for the consumer.

Consumer 40

Consumer Push-to-Card Gateways P2P 40

PYMNTS

OCTOBER 19, 2018

Millennials are credited as the digital generation, leaving their parents and grandparents behind, even though a majority of consumers over the age of 60 are banking online and regularly interacting with chatbots. Data: 500,000: The approximate number of students of Indian origin who traveled abroad to study in 2017.

Financial Literacy 61

Financial Literacy Origination Addressing Consumer 61

PYMNTS

NOVEMBER 11, 2020

In a bit more granular detail on the credit operations, Mercado Credito was formed in 2017 in Brazil and has been tied to mobile wallet service Mercado Pago. The company said during its recent earnings announcement that it had seen a record number of loan originations, up 157 percent quarter on quarter. dollars to roughly $14.5

On-Demand 71

On-Demand Origination Credit Cards Volume 71

PYMNTS

MAY 2, 2017

Signs of increasing weakness in consumer credit have been mounting for the last several months. According to data released by the Consumer Federation of America (CFA) earlier this year (extrapolated from data out of the U.S. Subprime borrowers now account for roughly 20 percent of the $1.2 trillion in loans currently outstanding.

Consumer 41

Consumer Caps Issuers Risk 41

PYMNTS

DECEMBER 1, 2016

The combination of Visa’s global network and Cardinal’s authentication platform will give merchants and issuers an end-to-end view of the transaction regardless of where it originates — reducing the risk of fraud to merchants and issuers and the friction consumers can often encounter when transacting online. fraud protection protocol.

Acquirers 90

Acquirers XML Authentication Issuers 90

CB Insights

JANUARY 31, 2018

In the last year, banks have homed in on the consumer, backing robo-advisors and companies offering easy-to-use money management apps. . Fintech: 2017 Year-in-Review & 2018 Trends. Gray boxes indicate that the company is a new addition (since the start of 2017) to that investor’s portfolio. in disclosed funding.

FinTech 78

FinTech Blockchain Database Advisors 78

The Fintech Times

MAY 4, 2024

Bitcoin was in its relative nascency when Stripe originally looked to get involved in cryptocurrency. However, four years later, Stripe pulled the plug on the offering following consumers’ changing attitudes. However, four years later, Stripe pulled the plug on the offering following consumers’ changing attitudes.

Stablecoins 70

Stablecoins Cryptocurrency Bitcoin Regulations 70

PYMNTS

JULY 17, 2018

million memberships of all types in the second quarter, nearly flat from Q2 2017. million, up from 5 million in the third quarter of 2017. percent for the same period in 2017. Going forward, the company hopes to capture more revenue and membership growth from its investments in original films, including romantic comedies. “As

Origination 40

Origination On-Demand Posting Consumer 40

FICO

FEBRUARY 25, 2019

Here are three key developments in credit scoring that we will be keeping an eye on in the new year: Consumer-Contributed Data Takes Center Stage. Momentum is high in the consumer-contributed data space: consumers are getting more comfortable with sharing their data , provided they are presented with clear benefits for doing so.

Credit Risk 63

Credit Risk Underwriting Origination Fed 63

Fintech News

SEPTEMBER 9, 2024

Founded in 2017 in Copenhagen, the company harnesses advanced technologies such as artificial intelligence (AI) and machine learning (ML) to help asset managers and investors assess the real-world impact of their investments. Originating in Sweden, Lendela quickly expanded across Scandinavia.

APACS 109

APACS FinTech Assessments Risk Assessment 109

FICO

JANUARY 4, 2018

Here were the top 5 posts of 2017 in the Risk & Compliance category: US Average FICO Score Hits 700: A Milestone for Consumers. By contrast, growth in student loan debts outpaced inflation, being both greater in number as well as balances; this undoubtedly creates a drag on capacity for other forms of consumer credit.”.

Risk 58

Risk Posting Credit Risk Regulatory Compliance 58

PYMNTS

SEPTEMBER 7, 2018

Her job involves “developing the consumer products portfolio across all categories for Netflix original series and films.”. Fleischer will build upon the experience gained at Disney, where her most recent job was head of merchandise for parks, experiences and consumer products. Products and Licensing. Contextual Awareness.

Origination 51

Origination Consumer Product Research 51

PYMNTS

JANUARY 8, 2020

This isn’t Amazon’s first attempt at breaking into the luxury fashion market – the retail giant originally started trying in 2012, but was not successful. The company’s new approach to luxury fashion is similar to Alibaba’s Tmall , which is a brand-to-consumer site with luxury brands. Part of the problem the eCommerce brand’s image.

Origination 53

Origination Participant Product Consumer 53

Fintech News

MAY 7, 2024

billion, marking the lowest quarterly level since 2017. Through its software platforms and products, Perfios helps financial institutions take big leaps by shaping their origination, onboarding, decisioning, underwriting and monitoring processes at scale and speed. The total funding amounted to US$7.3 It does so by delivering 8.2

Payment APIs and Integration 124

Payment APIs and Integration Non-Bank Finance FinTech 124

FICO

MAY 11, 2017

Here’s what’s happening: Consumers expect instant gratification and there are many, many companies willing to indulge them: Uber, Amazon, Seamless, ad infinitum. But the ease and speed of new loan origination systems, optimized for use on consumers’ mobile devices, have led to catastrophic fraud losses for many institutions.

Fraud Detection 45

Fraud Detection Origination EMV Process 45

PYMNTS

FEBRUARY 23, 2018

Smartphone sales worldwide fell in the fourth quarter of 2017 compared to the same period in 2016, marking the first decline Gartner has seen since the firm started tracking sales in 2004. A little more than 400 million smartphones were sold to consumers in the last three months of 2017, which marks a 5.6

On-Demand 47

On-Demand Origination Automation Research 47