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

CB Insights

NOVEMBER 18, 2019

Globally, fintech deals rebounded slightly in Q3’19, but will likely fall short of 2018’s record. This short-fall is due in part to the continued pull back in early-stage investing. Early-stage deals (seed/angel and Series A) fell to an eleven-quarter low, and funding hit a seven-quarter low.

FinTech 77

FinTech Adjustments Research Continuity 77

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

JANUARY 8, 2021

“Historic declines in rent across Manhattan’s most prominent retail corridors show just how much the market has adjusted amid the unprecedented impacts of the Covid-19 crisis,” REBNY President James Whelan told CNBC. That area boasts high-end retailers like Saks Fifth Avenue and Cartier. .

Authentication 99

Authentication Adjustments Continuity Economy 99

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

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

Finovate

JUNE 6, 2024

Robinhood, which made its first foray into crypto in 2018, anticipates the deal will “significantly accelerate Robinhood Crypto’s expansion worldwide.” -based Bitstamp has offices in Luxembourg, the U.K., Slovenia, Singapore, and the U.S. and holds over 50 active licenses and registrations globally.

Digital Currency 59

Digital Currency Compliance Acquirers Security 59

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

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

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

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

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

AI 63

AI Adjustments 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

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

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

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

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 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 Volume 60

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

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

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 Finance NOV 46

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

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

JULY 29, 2019

and as Brexit continues to loom. Given today’s market conditions, currency volatility will only continue. Kyriba issued a similar warning in May about businesses’ fourth quarter 2018 losses related to FX. a company acquired by Kyriba in January — discovered multibillion dollar losses also connected to FX volatility in 2018.

Risk 40

Risk Disputes Treasury Mitigation 40

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

PYMNTS

SEPTEMBER 13, 2018

When Netflix reported its Q2 financials, its failure to “ hedge its revenue with derivatives,” according to Reuters, led the company to lower its 2018 operating margin expectations to the lower end of its 10-to-11 percent projection. You can be sure risk management will continue to gain importance.

Risk Management 40

Risk Management Risk Adjustments Continuity 40

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

APRIL 25, 2019

The online food delivery service — which took a beating after its release of Q4 2018 financials — also reported gross food sales of $1.5 million, up 78 percent from the first quarter of 2018. Adjusted earnings of 30 cents per share beat analyst expectations of 25 cents per share. million, up 39 percent year over year.

Adjustments 43

Adjustments Continuity 43

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

AUGUST 24, 2018

When Netflix reported its Q2 financials, its failure to “ hedge its revenue with derivatives,” according to Reuters, led the company to lower its 2018 operating margin expectations to the lower end of its 10 percent to 11 percent projection. Remittance providers already know about hedging, and continue to expand their efforts in that area.

Risk Management 40

Risk Management Risk Cross-Border Adjustments 40

PYMNTS

OCTOBER 31, 2019

million versus $585 million in the third quarter of 2018, an increase of 63 percent year over year. Our continued focus on consumer transportation is yielding meaningful improvements in monetization and strong operating leverage. As a result of the continued strength of our execution, we are updating our outlook for 2019.”.

Adjustments 40

Adjustments Continuity Innovation Product 40

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

PYMNTS

JULY 17, 2017

In a press release late Friday announcing the news, Target said it now expects a modest increase in its second quarter comparable sales and that it anticipates reporting Q2 2017 GAAP and Adjusted EPS Target shares above the high end of its previous guidance range of $0.95 Both GAAP and Adjusted EPS are expected to reflect a $0.05

Adjustments 40

Adjustments Continuity 40

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

MAY 2, 2019

million, up 78 percent from the first quarter of 2018, while adjusted earnings of 30 cents per share beat analyst expectations of 25 cents per share. The strong momentum in our business throughout 2018 continued in the first quarter of 2019. Net income was $6.9

Posting 40

Posting Adjustments Acquirers Continuity 40

PYMNTS

MAY 30, 2019

The conventional wisdom in early was that Erica would struggle to gain the millions upon millions of customers it would need to be worthwhile for Bank of America to continue investing in it. Several months later, by October 2018, Erica had surpassed 3.5 Rapid Development . We never envisioned this,” she said then.

AI 51

AI APACS Adjustments Continuity 51

PYMNTS

APRIL 22, 2020

As more FinTech solutions introduce the concept of early access to future or earned wages, employers can struggle to adjust their back-office administrative processes to accommodate their employee needs. Phase 3 [of NACHA’s Same Day ACH implementation plan] wrapped up in March 2018,” said Ross. ACH Innovation Breaks The Mold.

Payroll 62

Payroll ACH Same Day ACH Innovation 62