PYMNTS

NOVEMBER 15, 2018

Walmart is apparently expecting the holiday season to be merry and bright in 2018, with raised expectations for the full year following a third quarter with stronger-than-expected earnings. Digital sales also continued to grow, up 43 percent and well on pace for Walmart to achieve its full year goal of 40 percent eCommerce growth.

Adjustments 46

Adjustments Posting Consumer Continuity 46

Fintech News

FEBRUARY 15, 2024

Despite the notable pullback, fintech continued to see traction from investors, with digital lending in particular witnessing an uptake. Among the key trends outlined in the reports, the companies note a sizable decline in tech investment volumes, adjustments in valuations and a shift towards earlier stage startups.

FinTech 109

FinTech Adjustments Volume Continuity 109

PYMNTS

DECEMBER 15, 2017

A bad quarter has sent fashion retailer H&M scrambling to adjust its strategy. Despite rapid online growth for H&M, analysts expect comparable sales to continue declining in 2018. Shares in H&M, the world’s second-largest fashion retailer, fell 13 percent this quarter, Fortune reported Friday.

Continuity 45

Continuity Adjustments Product 45

PYMNTS

NOVEMBER 8, 2018

Square posted results Wednesday (November 7) that showed double-digit gains in gross payment volumes, continued traction amid a base of larger merchants, and notable growth in subscription and software-based revenues. Further adjusted revenues, said the firm, exclude Weebly and Zesty results, up 56 percent. Hardware revenues were $17.6

Volume 72

Volume Adjustments CHIPS Payroll 72

PYMNTS

FEBRUARY 28, 2019

Square ‘s Q4 earnings 2018 results came after market close on Wednesday (Feb. 27), showing the continuation of several trends seen in recent quarterly reports. Earnings on an adjusted basis were $0.14 In after-hours trading, Square shares fell as much as 6 percent, as guidance on an adjusted basis of between $0.06

Debit Card 68

Debit Card Payroll Point-of-Sale (POS) Underserved 68

Fintech News

APRIL 17, 2024

As the fast-growing industry continues to evolve, driven by advancements in technology and changing investor needs, it will be increasingly crucial for individuals to carefully evaluate their options and choose a robo advisor that aligns with their financial goals, risk tolerance, and values.

Advisors 124

Advisors Online and Mobile Banking Risk Returns 124

The Payments Association

MARCH 18, 2025

Insurers now assess policyholders’ financial behaviouralongside payment patternsto adjust coverage dynamically. Mexico has adopted a regulated approach under its Fintech Law, introduced in 2018, laying the groundwork for open banking.

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

PYMNTS

AUGUST 2, 2019

Adjusted earnings per share (EPS) came in at $0.45 Our second quarter results were stable, and strong growth in digital continued, with particularly impressive results in cross-border digital transactions. The company had roughly 12,000 employees at the end of 2018, according to regulatory filings. per share a year ago.

Cross-Border 87

Cross-Border Cost Structure Adjustments Transactions 87

PYMNTS

FEBRUARY 6, 2020

The platform also saw greater-than-expected growth of its user base, with 23 million users on the platform as opposed to the 18 million enrolled at the end of 2018 — again, ahead of analyst expectations of 22.6 The firm reported an adjusted earnings loss of $4.2 Adjusted earnings per share were $.79, million users. 05 per share.

Advisors 84

Advisors Adjustments Enrollments Agreements 84

PYMNTS

JUNE 13, 2018

In the latest Construction Payment Report 2018 , released this past week by loan software company Contract Simply , data shows that late payments are taking a toll. One could be forgiven for thinking that in construction, timely payments are crumbling, while in music, transactions are slowing in tempo.

Continuity 40

Continuity Payments ACH Payment Issues 40

PYMNTS

DECEMBER 21, 2018

With a little over a week left in 2018, the brightest minds in payments and commerce are offering their last summaries on this year, and their sharpest predictions for 2019. Layered over that are new and emerging regulations that will continue to raise the bar – and expectations – particularly when it comes to consumer privacy.

Privacy 55

Privacy Adjustments Regulations Small Business 55

PYMNTS

SEPTEMBER 20, 2018

billion , subject to adjustments. Marketo delivers the leading B2B marketing engagement platform for the modern marketer, and there is no better home for Marketo to continue to rapidly innovate than Adobe.”. Until the transaction closes, both companies will continue to work independently.

B2C 57

B2C B2B Agreements Acquirers 57

PYMNTS

AUGUST 7, 2018

corporate lending sphere suggests banks have adjusted the competitive tides, with rising rivalries between each other now driving business lending trends in the nation — though the trend is not all good news for the corporate finance sector. However, the Federal Reserve ‘s latest analysis of the U.S.

Fed 40

Fed Continuity OCC Office of the Comptroller of the Currency 40

PYMNTS

FEBRUARY 14, 2020

With data indicating that consumer spending is still strong, retail sales – which are an indication of purchases at restaurants, stores and online – rose a seasonally adjusted 0.3 Per the report, he also noted that wage growth is “still at robust levels and should drive continued consumer spending and continued consumer confidence.”.

Consumer 56

Consumer Economy Adjustments Continuity 56

PYMNTS

SEPTEMBER 28, 2020

Prime boasts more than 150 million Prime members, about 50 million members since 2018, the newspaper reported. So, we’ve adjusted our strategy to adapt to these new shopping preferences. For $12.99 a month, Prime members get free shipping, access to movies, music and 10 percent off select sale items at Whole Food Market stores.

Adjustments 77

Adjustments Small Business Addressing Continuity 77

PYMNTS

MARCH 4, 2019

The news comes after it was reported that Square‘s fourth-quarter earnings 2018 results displayed a continuation of several trends seen in recent quarterly reports. The payments processing firm reported earnings on an adjusted basis of 14 cents per share, which matched the Street.

Point-of-Sale (POS) 60

Point-of-Sale (POS) Chip Cards Adjustments CHIPS 60

PYMNTS

JANUARY 24, 2019

procurement professionals identifying supplier due diligence, internal compliance training, social governance efforts and continued vendor monitoring as the biggest concerns. ” Organizations must do more with less, and they must do it quickly, he continued. .

Compliance 76

Compliance Due Diligence Risk Mitigation Risk 76

PYMNTS

JANUARY 30, 2020

Data indicate that the three biggest economies in the eurozone, France, Germany, and Italy, all report higher-than-expected consumer morale as shoppers continue to open their wallets and spend to support expanding a strong overall economy. In Italy, consumer confidence in January 2020 grew to 111.8 from 110.8 in December of last year.

Economy 56

Economy Consumer Shutdown Central Bank 56

PYMNTS

DECEMBER 16, 2020

As previous users back in 2018, we realized how valuable the Market Intelligence Platform was to our pricing strategy for Benetton’s long-term growth,” Sara Veronese , licensing manager of United Colors of Benetton, said in the announcement. 16) announcement. “As

Adjustments 63

Adjustments AI Acquirers Continuity 63

PYMNTS

DECEMBER 22, 2020

Amid a year in which over 11,000 retail closings have been announced, past Macy’s CEO Terry Lundgren foresees that disruption to the retail vertical related to COVID-19 will continue into 2021 and possibly bring about additional closings of stores, CNBC reported. We’re not done yet. TJX’s domestic sales slid only 3.5 percent year over year.

Adjustments 62

Adjustments Finance Continuity 62

PYMNTS

NOVEMBER 13, 2020

In a sign of a continued rise in gaming amid the pandemic, DraftKings Inc. reported an adjusted loss per share of 57 cents on $133 million in revenue. In 2018, The Supreme Court struck down a 1992 law passed by Congress that made it illegal for most states to make sports betting legal inside of their jurisdictions.

Payer 64

Payer B2C NOV Adjustments 64

PYMNTS

MARCH 6, 2019

While any change is often disruptive, the FASB and analysts noted that the adjustments ultimately aim to make accounting and reporting easier for finance professional, ad promote transparency. ’s 9,000 publicly listed companies spiked in 2018 after consistent declines since 2006. In the U.S.,

Finance 55

Finance Audit Accounts Adjustments 55

PYMNTS

FEBRUARY 28, 2020

Zalando also recently announced a 20 percent rise in full-year revenues, hitting €6.5bn, and its adjusted core earnings reached €225m, which is up from €173m in 2018. In 2020, Zalando expects revenues to continue climbing at a slower rate from previous growth spurts, rising 15 to 20 percent this year.

Adjustments 52

Adjustments Continuity 52

PYMNTS

JUNE 9, 2020

“As people navigate major changes in lifestyle and adjust to new routines during the COVID-19 pandemic, Uber for Business is continuing to develop new ways for you to treat any guest, employee or client to their favorite meal.”. Uber Eats rolled out its food delivery offering for business in April.

Adjustments 56

Adjustments Use Case Posting Continuity 56

PYMNTS

MAY 3, 2018

Bitcoin , subscriptions and services all played a part in Square ’s 45 percent year-over-year total revenue growth in the first quarter of 2018. But the company’s stock price fell in after-hours trading after Square’s new forecast for 2018 earnings came in below analyst expectations. Full year adjusted revenue will be between $1.40

Large Merchants 40

Large Merchants Bitcoin Adjustments Volume 40

PYMNTS

FEBRUARY 12, 2019

MoneyGram largely missed Wall Street estimates — at least in terms of headline numbers, amid results that showed continued headwinds of compliance efforts. million, while adjusted earnings of a penny were off by about $.12. In terms of headline numbers, the top line of $345.8 million missed the consensus of $359.1

Point-of-Sale (POS) 73

Point-of-Sale (POS) Agreements Compliance Transactions 73

PYMNTS

FEBRUARY 13, 2019

percent in Q4 of 2018. Moody’s predicts that they’ll continue to rise, putting into account rising interest rates. Experts at Moody’s predict that the delinquencies will continue to go up slightly as home appreciation slows and lenders loosen credit standards. “We Credit card delinquencies rose slightly from 6.33

Underwriting 51

Underwriting Adjustments Credit Cards Origination 51

PYMNTS

JANUARY 30, 2020

“In 2020, we’re looking to grow our investments based on our recent acquisitions, building new infrastructure in China and other international markets, continuing work on monetizing Venmo and [expanding] our focus on our in-store initiatives,” said Schulman of PayPal’s areas of keenest interest for the next year. billion payment transactions.

PayPal 85

PayPal Venmo Volume Cross-Border Payments 85

PYMNTS

NOVEMBER 14, 2018

13) after surveying finance professionals who attended the Association for Financial Professionals’ 2018 Treasury & Finance Conference held last week, according to a press release. One-third of survey respondents said the 2018 tax reforms have had the greatest impact, making the issue the most influential on finance operations.

Cash Management 46

Cash Management Treasury NOV Finance 46

PYMNTS

MAY 10, 2019

13, 2018, NACHA , the rules and standards body for the ACH network, announced that its voting members had approved amendments to the NACHA Operating Rules & Guidelines to establish a third Same Day ACH processing and settlement window,” the Federal Reserve wrote in the announcement. “On Sept. ET and settlement at 1:00 p.m.

FedWire 51

FedWire Same Day ACH Federal Reserve Nacha Operating Rules 51

PYMNTS

DECEMBER 6, 2018

Treasury rates continued to slide last week, driven mainly by concerns over slowing global economic growth and U.S. MBA’s seasonally adjusted measure on mortgage refinancing rose 6.2 percent between the end of 2017 and the middle of 2018, while the number of mortgage loan originators declined by 7 percent. percent to 836.4

NOV 45

NOV Adjustments Non-Bank Treasury 45

The Payments Association

JANUARY 29, 2025

Common themes Analysis of these regulatory fines highlights four persistent weaknesses that continue to challenge the industry: Inadequate governance, accountability and culture: Ineffective governance and fragmented leadership often resulted in unaddressed vulnerabilities.

Financial Crimes 88

Financial Crimes Crime Due Diligence Money Laundering 88

CB Insights

DECEMBER 4, 2019

Continue to reduce any buying/selling friction. In December 2018, Reuters reported that Amazon was looking at airports as a potential Amazon Go partner. Prime Day: Amazon’s plan to adjust payment habits. Increase the number of customers on Amazon, and enable each customer to spend more.

Online and Mobile Banking 101

Online and Mobile Banking Push-to-Card Payment APIs and Integration Non-Bank 101

PYMNTS

FEBRUARY 26, 2019

Worldpay reported results for the fourth quarter of 2018 that topped expectations, marked by organic growth in its core payments processing operations. billion topped the Street by $10 million, while adjusted earnings per share of $1.12 In terms of headline numbers, revenues of $1.05 stood four pennies better than the Street.

Issuers 53

Issuers Acquirers Adjustments B2B 53

PYMNTS

JANUARY 15, 2019

. “Fears of slowing economic growth, tighter monetary policy and trade-related tensions all contributed to heightened equity and credit market volatility during 2018,” reflected Ajay Khorana, managing director and global head of Citi Financial Strategy and Solutions Group, in a statement announcing the report.

Disputes 46

Disputes Finance Adjustments Risk 46

PYMNTS

MARCH 5, 2019

Target reported record adjusted earnings per share and saw digital sales grow by over 25 percent for the fifth consecutive year. “And I think that we saw that in our full year 2018 results, but more importantly the guidance for next year.” It’s calling for adjusted earnings of between $5.75

Adjustments 43

Adjustments Transactions Continuity 43

PYMNTS

MAY 21, 2018

billion, subject to adjustments. Upon close, Magento CEO Mark Lavelle will continue to lead the Magento team as part of Adobe’s digital experience business, reporting to Rencher. Until the close of the transaction, each company will continue to operate independently.

B2C 45

B2C Adjustments Agreements B2B 45