Fintech Review

APRIL 11, 2025

They use alternative credit scoring methods and automated underwriting. Banks acquire or partner with fintech startups to accelerate innovation. Growth must be matched by governance, risk management, and long-term vision. Their technology reduces friction in both consumer and business transactions.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cross-Border 52

The Fintech Times

SEPTEMBER 11, 2024

MoneyLion has teamed up with Nova Credit to integrate cash flow underwriting into its decisioning engine, enabling credit issuers on its platform to access more comprehensive data for evaluating consumers’ financial health. The integration of cash flow data could help expand credit access while maintaining risk management practices.

Underwriting 59

Underwriting Risk Management Credit Risk Issuers 59

The Fintech Times

OCTOBER 29, 2024

Partnerships Tribe Payments, the digital payments and infrastructure orchestrator specialising in issuer and acquirer processing, is chosen by global payment and digital financial infrastructure platform PhotonPay to provide its issuer processing services. Rowntree has held senior roles at Zurich, RSA, Legal & General and Swiss Re.

FinTech 64

FinTech Multi-Currency Embedded Finance Non-Bank 64

PYMNTS

SEPTEMBER 22, 2016

In a press release , the company said that it removed a barrier for acquirers and ISOs by simplifying the option to add ACH and Remote Deposit Capture for new and existing card merchants. Merchants register online via risk management-enabled forms that confirm the approval criteria to streamline onboarding, the company noted.

Automation 62

Automation Remote Deposit Capture ISOs ACH 62

Stax

FEBRUARY 15, 2024

It involves a complex ecosystem of financial institutions, including acquiring banks, payment processors, and card networks, alongside technology providers and regulatory bodies. PayFacs also provide a streamlined onboarding experience, manage underwriting, and handle compliance for its sub-merchants.

ISVS 88

ISVS Facilitators ISOs Payment APIs and Integration 88

Fintech News

MAY 28, 2024

The company’s competitive advantage lies in its ability to leverage data, proprietary machine learning algorithms, and agile cloud infrastructure to make better credit and underwriting decisions than traditional banks. The meteoric rise of Nubank in Latin America offers valuable lessons for digital banks in the APAC region.

APACS 126

APACS Financial Inclusion Online and Mobile Banking Disaster Recovery 126

FICO

SEPTEMBER 13, 2021

Consumer habits have shifted to online shopping for goods and services and the impact for merchant acquirers is the need for faster onboarding of new merchants and effective ongoing monitoring to minimise fraud and compliance risk. Automate as much of the underwriting process as possible. Gather actionable and objective data.

Risk 52

Risk Micro-Entry Underwriting Acquirers 52

FICO

DECEMBER 8, 2022

If we think of a lending portfolio as an exclusive night club, its underwriting policy acts as the doorperson, checking IDs and making sure anyone trying to enter meets minimum acceptance criteria. Traditional underwriting risk management strategy approach in stressed versus unstressed economy. Senior Director, Scores.

Addressing 52

Addressing Risk Underwriting Risk Management 52

Exact Payments

OCTOBER 30, 2023

Acquiring banks Acquiring banks, also known as acquirers, are banks that process payments on behalf of merchants. They essentially operate as intermediaries between acquiring banks and merchants, onboarding merchants with processing accounts and providing additional core processing services and technology.

Facilitators 52

Facilitators Processors Payment APIs and Integration ISOs 52

PYMNTS

JANUARY 11, 2018

Although the news about LendingPoint ’s decision to formally acquire Loan Hero is made public today for the very first time, the conversation between the two firms about how they could best combine their efforts has been ongoing for the last two years, according to CEO Tom Burnside. Breaking New Ground. .

Consumer 43

Consumer Underwriting Risk Management Underserved 43

Fintech News

FEBRUARY 27, 2024

Furthermore, Nanu disclosed to Bloomberg plans for Nium to acquire two to three payments startups over the next year, targeting regions such as Africa, the Middle East, and Latin America. No one can time the market, but the focus for us over the next 18 months is to be fully prepared,” Nanu remarked at the time.

FinTech 120

FinTech Risk Federal Reserve Compliance 120

PYMNTS

MARCH 11, 2020

Connor noted that historically, acquiring was centered around indirect sales channels, through independent sales organizations (ISOs) or merchant service providers (MSPs). Connor noted that alongside the consolidation at the traditional acquiring level, there has also been consolidation across the SaaS landscape.

Payment APIs and Integration 52

Payment APIs and Integration VARS Payments ISOs 52

PYMNTS

JULY 13, 2017

­­­­­­­­­ Once upon a time, merchants had direct contractual agreements with the acquirers who signed them up to accept payments. To expand and scale the business, acquirers realized that they needed more feet on the street and invited a middle man to the party — the ISO. ISOs are hard-pressed to deliver that. Choose Your Own Destiny.

ISOs 43

ISOs Acquirers Risk Facilitators 43

PYMNTS

MARCH 7, 2018

LendingPoint Merchant Solutions combines LoanHero’s merchant onboarding, program management and reporting technology with LendingPoint’s credit underwriting, risk management and customer service expertise. The move comes after the company acquired LoanHero in Dec.

Finance 40

Finance Underwriting Risk Management Risk 40

PYMNTS

OCTOBER 29, 2018

On the front end, the bank or business gets to offer its customer the set of services most appropriate to acquire and keep them. On the back end, Pintec leverages its artificial intelligence (AI) and deep learning technology against risk management, underwriting and other back-end challenges associated with the services. “We

Posting 66

Posting Point-of-Sale (POS) Non-Bank Risk Management 66

PYMNTS

APRIL 16, 2020

That firm recently secured funding from Visa, which is also in the process of acquiring Plaid as part of its own wide-ranging open banking initiatives. Catch up on the most recent efforts to unlock, share and integrate bank data below. Currencycloud, Derivative Path Team for Bank FX Solutions.

Finance 67

Finance Payment APIs and Integration Cross-Border Payments Cross-Border 67

Exact Payments

AUGUST 13, 2023

Payfacs partner with card networks and an acquiring bank to provide systems to onboard merchants, manage risk and adhere to compliance guidelines—among many other responsibilities. These entities register for a master merchant account and seek to act as payment aggregators for a collection of sub-merchants.

Facilitators 52

Facilitators Non-Bank Risk Underwriting 52

Fintech Labs Insights

JUNE 18, 2015

Compliance & risk-management technology. Mobile personal finance manager . Tags: Risk management, security, regulation, compliance. Source: Crunchbase. LendInvest. P2P mortgage lending. HQ: London, England, UK. Latest round: $34.2 million Series A. Total raised: $34.2 Source: FT Partners. Payment processor.

Underwriting 27

Underwriting P2P FinTech Risk Management 27

Exact Payments

NOVEMBER 8, 2023

Unlike traditional merchant service providers that resell payment processing, PayFacs own processing accounts and underwrite and onboard sub-merchants under their accounts. What makes PayFacs unique as compared to other MSPs is that they own a merchant payment processing account directly with an acquiring bank.

Facilitators 52

Facilitators ISVS ISOs Payment APIs and Integration 52

The Fintech Times

SEPTEMBER 24, 2024

Specialist analytics and risk management consultancy 4most has expanded its senior team by appointing Philippa Milner-Jones as a client partner in the London office. CEO Marc Bailey highlighted Almeida’s expertise as crucial for the firm’s growth and risk management.

FinTech 59

FinTech Payment APIs and Integration Risk AI 59

Nanonets

APRIL 5, 2023

In the world of lending, risk management is crucial to success. But with a growing number of loan applications and an increasing number of delinquencies, how can lenders effectively manage risk without sacrificing efficiency? The answer lies in automating steps in the lending process.

Automation 52

Automation Process Risk Assessment Assessments 52

Stax

JANUARY 17, 2024

All this without having to invest time and resources in partnering with an acquiring bank or building an elaborate payment infrastructure. After this, it usually takes about 3-5 days to get approvals post the underwriting process. Acquiring new customers can be quite costly as compared to keeping existing ones.

ACH 88

ACH Facilitators ISVS Payment APIs and Integration 88

EBizCharge

MAY 8, 2024

A PayFac takes the burden of managing the complex aspects of payment processing, such as PCI compliance standards , risk management, and handling various payment methods like credit and debit cards, online payments, and mobile payments. Payment processors offer standardized services that are more rigid and less customizable.

Facilitators 52

Facilitators ISOs Processors Payments 52

Fintech Labs Insights

JULY 23, 2015

Fortress Risk Management. Enterprise risk management services for financial institutions. Risk & compliance management for financial institutions. Argos Risk. Credit risk management tools for small businesses. Tags: SMB, accounts receivables, trade finance, underwriting.

FinTech 29

FinTech P2P Debit Card Risk Management 29

Stax

JANUARY 10, 2024

In addition to generating revenue for the card network, the purpose of credit card transaction fees is to cover operational costs and risk management. Interchange fees An interchange fee is paid by the merchant’s acquiring bank to the issuing bank every time a credit card transaction is made. 2% of the total transaction value.

Credit Cards 88

Credit Cards Processors Debit Card Processing Costs 88

Fintech Labs Insights

MAY 15, 2015

Tags: Payments, mobile, acquiring, SMB.

Underwriting 28

Underwriting Online and Mobile Banking FinTech P2P 28

CB Insights

JANUARY 4, 2018

Travelers: “There’s an increasing awareness and consciousness in the mind of the risk manager (of cyber risk) and whether that’s a job description for somebody in a big company or proprietor in a small business. A breakdown of the four by funding and investors is below: Guidewire acquires Cyence.

Underwriting 39

Underwriting Cybersecurity Ransomware Risk 39

Fintech Labs Insights

JULY 17, 2015

Independent source of consensus credit risk. Tags: Payments, mobile, mPOS, merchants, acquiring, cards, SMB. Source: Finovate. Merchant-issuer collaboration software. HQ: Toronto, Ontario, Canada. Latest round: $45 million. Total raised: $45 million. Source: FT Partners. RealtyMogul. Marketplace lender for real estate projects.

FinTech 29

FinTech Online and Mobile Banking Underwriting P2P 29

Fintech Labs Insights

SEPTEMBER 19, 2016

Alt-credit score & risk management for financial institutions in emerging markets. Tags: Institutions, metrics, analytics, information, BI, underwriting, risk management. HQ: Palm Beach Gardens, Florida. Source: Finovate. POS solutions provider. Latest round: $45.1 million Series B. Total raised: $60.9

Underwriting 27

Underwriting FinTech P2P Advisors 27

Fintech Labs Insights

OCTOBER 19, 2015

Alternative loan underwriting models. Tags: Enterprise, underwriting, credit, lending, analytics, API, Life.SREDA (investor). Source: TechCrunch. Alt-lender to small businesses. HQ: Atlanta, Georgia. Latest round: $135 million at $1 billion valuation. Total raised: $600 million. Source: Finovate. HQ: Palo Alto, California.

Underwriting 29

Underwriting FinTech Debit Card Blockchain 29

Exact Payments

SEPTEMBER 25, 2023

If you choose to build a full PayFac infrastructure, you’ll need to staff in-house customer support, development, and risk management teams. Preventing fraud and risk concerns requires a multi-layered approach, consisting of various procedural systems and technologies. Do I have enough internal resources to operate as a PayFac?

PCI DSS 52

PCI DSS OFAC Facilitators Payment Gateways 52

Fintech Labs Insights

SEPTEMBER 21, 2015

Risk management for P2P lending. Tags: Consumer, advisors, investing, trading, wealth management. Source: Crunchbase. LightSpeed. Point of sale system. HQ: Montreal, Canada. Latest round: $61 million. Total raised: $126 million. Real estate marketplace. HQ: New York City. Latest round: $50 million. Total raised: $123 million.

FinTech 27

FinTech Online and Mobile Banking Debit Card Underwriting 27

PYMNTS

OCTOBER 1, 2018

The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements.

P2P 54

P2P Origination Underwriting Returns 54

CB Insights

APRIL 8, 2018

Of course, it’s unclear how many of the startups will eventually succeed — flight insurance partner Blink , for example, was acquired for an initial €1M a few months after announcing its partnership. In some cases, these startups also announced they would look to craft customized insurance products with Munich Re.

Risk Assessment 41

Risk Assessment Risk Assessments Underwriting 41

Fintech Labs Insights

APRIL 13, 2016

Three Finovate alums raised capital and one of the first FinovateSpring presenters, TradeKing , was acquired by Ally Financial for $275 million. Tags:Consumer, merchants, payments, POS, acquiring, debit/credit cards, mobile. Data for B2B analytics & risk management. Total dollars raised YTD is $7.9 Source: Crunchbase.

Online and Mobile Banking 20

Online and Mobile Banking FinTech Advisors Underwriting 20

Fintech Labs Insights

FEBRUARY 15, 2016

Underwrites & guarantees high-risk credit card transactions . Tags: Consumer, SMB, loans, credit, lending, underwriting. Financing for renewable energy and conservation projects. Latest round: $70 million Series D. Total raised: $102.2 HQ: Oakland, California. Source: Crunchbase. Maestro Health. Latest round: $53 million.

Payment APIs and Integration 19

Payment APIs and Integration FinTech Online and Mobile Banking Underwriting 19

Fintech Labs Insights

NOVEMBER 23, 2015

Real-time risk analytics for financial institutions. Tags: SMB, payments, mPOS, merchants, acquiring, hardware, credit/debit cards. Source: Crunchbase. Financing online consumer purchases. Latest round: $101 million ($1 million equity, $100 million debt). Total raised: $101 million (includes $100 million debt). HQ: Sydney, Australia.

NOV 21

NOV Debit Card Online and Mobile Banking FinTech 21