PYMNTS

OCTOBER 23, 2020

Capital One said its domestic cards’ average loans fell 6 percent compared to Q3 2019 to $97.3 Purchase volume likewise dropped 1 percent year over year to $98.1 Capital One’s net charge-off rate fell 48 basis points compared to Q3 2019 to 3.64 per diluted common share in the third quarter of 2019. billion, or $5.06

Adjustments 70

Adjustments Consumer Volume Continuity 70

PYMNTS

FEBRUARY 11, 2020

11), and the financial services firm registered a decrease in loan origination volume. Breslow pointed out that the company’s analytics capabilities were enhanced in 2019 with innovations in its fraud prevention capabilities. Adjusted net income came in at $3.3 24, with a rise in loan origination volume.

Enrollments 52

Enrollments Origination Adjustments Fraud Prevention 52

PYMNTS

JANUARY 30, 2020

PayPal put on a strong finish to 2019, managing to beat analyst estimates nearly across the board in terms of revenue, active usership and total payments volume processed. In Q4 of 2019, PayPal saw adjusted earnings per share rise to $.86 69 at the same time last year, and ahead of forecasts of $.83. billion, up from $4.22

PayPal 85

PayPal Venmo Volume Cross-Border Payments 85

PYMNTS

MAY 7, 2020

The gains were offset in part by lower travel and fleet volumes in the second half of the quarter. WEX’s Chair and CEO Melissa Smith said in an announcement , “WEX began the year benefiting from favorable execution and building upon the strong momentum coming out of 2019. million – up 15 percent from the first quarter of 2019.

Agreements 61

Agreements B2B Acquirers Volume 61

FICO

MARCH 25, 2020

Home Credit , a global non-bank consumer lender, has successfully reduced its credit risk while maintaining loan volumes and keeping approval rates steady by incorporating the FICO® Score X Data to optimize its loan process in China. For its achievement, Home Credit was awarded the 2019 FICO® Decisions Award for Financial Inclusion.

Risk 97

Risk Financial Inclusion Point-of-Sale (POS) Risk Assessment 97

PYMNTS

SEPTEMBER 29, 2020

Target’s event, first reported by the Minneapolis Star Tribune, will feature “digital deals on thousands of items, more than double what the retailer offered last year, as it adjusts to the surge of consumers who have shifted to shopping online during the coronavirus pandemic.

On-Demand 104

On-Demand Adjustments Volume Continuity 104

PYMNTS

JUNE 29, 2020

Despite widespread disruption in global supply chains, a new report from Medius indicates that supplier invoice and payment volumes have actually remained relatively stable this year compared to last. But some analysis suggests supplier payment strategies are in flux to better support the working capital positions of corporates.

Payments 102

Payments B2B Volume Adjustments 102

PYMNTS

AUGUST 5, 2020

Adjusted earnings per share were 18 cents. The app boasted 30 million users in June — that’s up from 26 million at the close of 2019. And Square’s gross payments volume in Q2 dipped 15 percent year over year. Square saw its shares skyrocket Tuesday (Aug. CNBC reported the company had $1.92 But not all the news was good.

Tax Refunds 87

Tax Refunds Small Business Shutdown Venmo 87

PYMNTS

OCTOBER 28, 2020

In addition, the consolidated average daily volume increased by 13.5 percent from the same time in 2019, according to the release. Diluted earnings per share was $2.24, and adjusted diluted earnings per share was $2.28, up 10.1 percent from Q3 2019. percent from Q3 2019. Operating profit was $2.4

On-Demand 46

On-Demand Volume Adjustments Small Business 46

PYMNTS

NOVEMBER 6, 2019

6); the payments firm reported stronger-than-expected results for Q4 and a brighter revenue forecast for the remainder of 2019 than analysts were expecting. Adjusted earnings per share climbed to 25 cents from 13 cents at this time last year, well ahead of analysts’ predictions of 20 cents. Gross payment volume increased to $28.2

Bitcoin 40

Bitcoin Volume Push-to-Card Adjustments 40

PYMNTS

JULY 30, 2020

Adjusted net income was $1.9 billion, a nearly 9 percent increase above Q2 in 2019. At the same time, adjusted operating profit was $2.3 Adjusted diluted earnings were $2.13 In early morning trading, UPS shares were $136.09, a 10 percent rise from the close on Wednesday (July 29) of $123.68. . billion, up 7.4

Adjustments 56

Adjustments On-Demand Volume Economy 56

PYMNTS

FEBRUARY 10, 2020

.” Fiserv posted Q4 adjusted earnings of $1.13 The adjusted revenue was $3.7 Fiserv acquired First Data in January 2019 and cloud-based point-of-sale firm Clover in July. Clover’s Q4 saw an increase in annualized gross payment volume by more than 40 percent year over year. billion, slightly under the $3.8

B2B 67

B2B PCI DSS Payments Adjustments 67

PYMNTS

JANUARY 29, 2020

invested in its further growth in non-grocery channels such as eCommerce, discounters and convenience, the confectionary company experienced its first full year under its new consumer-centric growth strategy in 2019. percent in the year, which Van de Put said was widely based throughout geographies and brands, powered by volume and pricing.

Adjustments 56

Adjustments Volume Product Innovation 56

PYMNTS

NOVEMBER 19, 2020

The first generation frames were launched in 2019 as part of its “Day 1 Editions” products. “In The automatic volume feature adjusts to the surrounding noise level. . The new iteration of Echo Frames will ship Dec. 10 and cost $249.99, Amazon said in a statement on Thursday (Nov.

NOV 67

NOV Adjustments Volume Product 67

PYMNTS

JUNE 4, 2020

billion and adjusted earnings per share of $1.02 Gross merchandise volume growth of 23 to 26 percent is anticipated for the quarter as all of its sectors are improving. The report noted classifieds were off by 3 percent from 2019. The California-based eCommerce company said it expects Q2 revenues in a range of $2.75

Adjustments 57

Adjustments On-Demand Small Business Volume 57

PYMNTS

JUNE 18, 2020

With Mother’s Day solidly in its pocket, 1-800-Flowers adjusted its sales projections upward Thursday (June 18) as the gift and flower eCommerce company saw record results through the first three quarters of the year combined with unexpectedly high eCommerce demand through the first 10 weeks of its current fiscal fourth quarter.

On-Demand 52

On-Demand Adjustments Volume Continuity 52

PYMNTS

NOVEMBER 25, 2020

percent fall in contrast to November of last year when adjusted for selling days. A comparison of the same sales volume without factoring in the number of selling days leads to a 12.2 percent drop from November 2019. Retail sales for new automobiles are forecast to be 1.04 million units, which represents a 0.7

NOV 56

NOV Adjustments Volume Transactions 56

PYMNTS

JULY 29, 2020

Adjusted earnings came in at $1.06 Entertainment, fuel and restaurant spending all remain depressed from their 2019 levels, Prabbu noted, but have begun to show early and slow improvement from their peak crunch, when spending fell in excess of 50 percent. For the quarter that ended June 30, Visa reported net income of $2.4

Consumer 68

Consumer Cross-Border Cross-Border Payments Volume 68

PYMNTS

AUGUST 1, 2019

Adjusted earnings per share came in at 14 cents, up from 2 cents a year ago – well in excess of the 3 cents analysts were seeking. Gross merchandise volume (GMV) increased by 51 percent to $13.8 billion, while gross payments volume jumped to $5.8 For the whole of 2019, Shopify forecasts $1.48 billion to $1.53

Volume 43

Volume Adjustments Small Business Economy 43

PYMNTS

DECEMBER 7, 2020

Digital Black Friday sales this year hit $9 billion, a 22 percent increase from 2019 figures, according to recent Adobe research. With the holiday shopping season in full swing amid the global pandemic, online commerce is booming. Traditional lenders look at the past," he said. They're not looking at the future.".

Finance 142

Finance Small Business Underwriting B2C 142

Clearly Payments

FEBRUARY 3, 2024

Millennials and Gen Z driving adoption, with 16% of 18-34 year-olds using BNPL The USA BNPL lending forecast to top $100 billion in 2024 , a 13x increase from 2019. Consider your target audience and industry nuances when researching providers as different platforms cater to diverse customer segments and transaction volumes.

BNPL 104

BNPL Payments Mitigation Best Practices 104

The Fintech Times

MAY 16, 2024

Advisers are taking more time on average to answer calls and handle fewer calls than in 2019-20. This means HMRC’s workload has reduced more slowly than reductions in call volumes. HMRC must allow more time for these services to bed in and understand the difference they make before adjusting staffing levels.”

Correspondent 59

Correspondent Audit Small Business Assessments 59

PYMNTS

AUGUST 12, 2019

Venmo, which is owned by PayPal, hit 40 million active users in Q1 of 2019. PayPal reported adjusted earnings per share of 78 cents per share, ahead of estimates of 68 cents forecast by analysts pre-release, with revenue roughly in line with estimates of $4.13 the company said.

Venmo 63

Venmo Debit Card PayPal Adjustments 63

PYMNTS

NOVEMBER 6, 2018

OnDeck Capital said in its third-quarter results that loan origination volume jumped double digits year over year and sequentially, where the volume of $648 million was up 22 percent from the 2017 third quarter and up 10 percent from the second quarter of this year. Portfolio quality is better than in the U.S.

Origination 61

Origination Volume Mitigation Adjustments 61

PYMNTS

SEPTEMBER 24, 2020

These types of payment flows made up 5 percent or more of the gross domestic product (GDP) for 66 countries in 2019, reaching as high as 20 percent of GDP in nations like Haiti and Nepal. . Another study found that the number of correspondent banking relationships in existence worldwide had dropped 22 percent from 2011 to 2019. .

Regulatory Compliance 89

Regulatory Compliance Compliance Correspondent Bank Correspondent 89

PYMNTS

AUGUST 7, 2019

Adjusted loss per share narrowed to $0.01 million in 2019, driven by the higher volume of loan originations Sanborn mentioned. Net income is predicted to be in the range of $0 million to $5 million and adjusted EBITDA is projected to be in the range of $35 million to $40 million. By the numbers, net loss came in at $10.66

Origination 51

Origination Adjustments On-Demand Volume 51

PYMNTS

AUGUST 12, 2019

“We continue to monitor the macroeconomic environment, proactively making adjustments where appropriate. both banks and alternative lenders say they’re experiencing an increase in small business loan volume. “Entrepreneurs who have a good credit history are having success in securing capital in 2019.”

Small Business 57

Small Business Volume On-Demand Finance 57

FICO

APRIL 6, 2021

According to the Treasury, the green shoots of are all around us, with Britain expected to be back at 2019 GDP levels by this time next year. The analytics would adjust the score based on given employers, job types, government support, increases in certain spending’s and reduction in others (e.g.

Risk 52

Risk Credit Risk Adjustments Assessments 52

PYMNTS

MARCH 24, 2020

Through the coronavirus crisis, he said, sellers have proven to be resilient, and key indicators — including sales volume numbers seen across the Payoneer platform — have been better than expected, as they have outsourced supplies from additional countries or adjusted pricing.

Cross-Border 78

Cross-Border Cross-Border Payments Volume On-Demand 78

PYMNTS

MAY 14, 2020

But for many businesses, that presents a new chance to pivot or adjust business strategies. “It all starts with accepting that the world as we knew it in 2019 is no more,” he said in a recent discussion. Pinpointing the Opportunity.

Payment APIs and Integration 69

Payment APIs and Integration Adjustments Facilitators Service Provider 69

PYMNTS

NOVEMBER 5, 2019

The MoneyGram “powered by” white-label Walmart2World product made up about 9 percent of company revenues in Q3 of 2019. MoneyGram said it is difficult to predict how the new marketplace will affect volumes and profit margins. Adjusted losses of three cents a share were six pennies worse than expected. On Friday (Nov.

Continuity 40

Continuity NOV Adjustments Agreements 40

FICO

MARCH 14, 2023

Retraining ML Models: The Care and Feeding of AI Systems All AI systems need to have their machine learning models updated, strategies adjusted and the effectiveness of rules systems assessed – how successfully are the decisioning system and methods meeting the business objective?

AI 52

AI Continuity Rules CHIPS 52

PYMNTS

JULY 1, 2020

SMBs around the globe are dealing with an unprecedented surge in online payment volumes as consumers eschew in-store payments for eCommerce transactions that lack the risks of in-person contact. 14, 2019, compliance deadline, and many expected it to severely affect their customer conversions. SMBs did not know who GDPR affected.

Regulations 64

Regulations Digital Payments Contactless Payments Online and Mobile Banking 64

PYMNTS

OCTOBER 31, 2019

31) that met expectations, while the firm showed payments volumes that were up double-digit percentages. Management pointed to at least some softening in fleet customer trucking volumes, tied in part to a softening macro environment. Adjusted earnings per share was $2.59, up 16 percent year over year. The firm said U.S.

Volume 40

Volume Payments EMV Process 40

FICO

JANUARY 3, 2023

Tue, 07/02/2019 - 02:45. It's a fixed and unyielding lending strategy based on simply increasing back-office capacity to tackle high volumes of pre-set segmentations, strategies, treatments and policies. Adjust policies, collection strategies and treatment paths to suit accordingly? FICO Admin. by Bruce Curry.

Volume 52

Volume Returns Risk Settlement 52

PYMNTS

OCTOBER 31, 2019

31) that met expectations, while the firm showed payments volumes that were up double-digit percentages. Management pointed to at least some softening in fleet customer trucking volumes, tied in part to a softening macro environment. Adjusted earnings per share was $2.59, up 16 percent year over year. The firm said U.S.

Posting 40

Posting Volume Payments EMV 40

PYMNTS

JUNE 5, 2020

PYMNTS’ latest Next-Gen Debit Tracker® done in collaboration with PULSE , a Discover company, delves into debit trends like that, exploring options that merchants and their payments tech partners are using to keeping volume up as the economy reopens. It may be most prevalent in grocery payments now, as consumers adjust buying behaviors.

Debit Card 52

Debit Card Credit Union Service Organization Payments Credit Union 52