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

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

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

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

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

OCTOBER 24, 2019

24), with a rise in loan origination volume. “We We had a solid third quarter as origination volume increased, credit quality improved and we commenced our share repurchase program, clearly steps in the right direction as we advanced our strategic initiatives,” Chief Executive Officer Noah Breslow said on a conference call with analysts.

Origination 40

Origination Volume Adjustments Small Business 40

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 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

OCTOBER 29, 2019

In terms of headline statistics, the firm reported adjusted earnings of $2.15, which topped the estimates of $2.01, while net revenue of $4.45 Drilling down into supplemental materials provided by the company alongside the earnings announcement, the company said total gross dollar volumes were up 14 percent worldwide to $1.6

Volume 40

Volume Visa Cross-Border B2B 40

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

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

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

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 Correspondent Bank Compliance Correspondent 89

Clearly Payments

OCTOBER 7, 2024

As of 2024, it is clear that the changes initiated during the pandemic are not just temporary adjustments but enduring shifts that continue to define the industry’s trajectory. In the United States alone, the number of mobile wallet users grew from 64 million in 2019 to over 100 million by 2022. billion in 2019.

Cross-Border 105

Cross-Border Processors Multi-Currency Contactless Payments 105

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

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

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 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

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

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

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 6, 2020

The adjusted net loss of 44 cents was leagues worse than the 7 percent loss that had been expected. billion, and down by more than 15 percent from the fourth quarter of 2019. That compares favorably with an average FICO score in 2019 of 708 and an average income of a bit more than $93,000. percent, at $1.7

Enrollments 72

Enrollments Origination On-Demand Adjustments 72

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 Small Business On-Demand Volume 57

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 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

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 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

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 Community Banks 57

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

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 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

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

PYMNTS

FEBRUARY 22, 2017

we completed investments that enabled our network to respond with on-time service, even with this record-setting volume. In 2018 and 2019, UPS anticipates overall revenue to increase between 4 to 6 percent, down from the earlier 7 percent target. For the full year, package volume rose 4.6 In the U.S.,

On-Demand 49

On-Demand Volume Adjustments Product 49

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

MAY 5, 2020

billion in 2019. After adjusting for restructuring charges and other effects, Disney reported earnings of 60 cents a share, down from $1.61 On its earnings call, Disney said it will reopen its Shanghai Disney Resort on May 11, with social distancing and volume restrictions. billion, up from $14.9 a share a year ago.

Shutdown 65

Shutdown Adjustments Volume Product 65

PYMNTS

JUNE 8, 2020

As reported in The Wall Street Journal , “courier and messenger companies that deliver packages to homes and businesses added 12,100 jobs last month, according to seasonally adjusted preliminary employment figures the U.S. Its analysis showed retail transaction growth of 81 percent in May, compared to 2019.

Automation 67

Automation Consumer Adjustments Facilitators 67

PYMNTS

OCTOBER 14, 2020

For example, for the period from March through May, Wine Insiders ’ orders increased 250-300 percent when compared with the usual volume for that time of year, driving about the same volume as Black Friday, Christmas and New Year’s Eve every single day. This is not normal for the beverage alcohol business.

Consumer 56

Consumer On-Demand B2C B2B 56