The Payments Association

MARCH 19, 2025

Security & compliance risks: Meeting growing AML, fraud prevention, and regulatory demands is difficult with rigid, outdated infrastructure. Reduce costs and operational risk by migrating gradually, using a POC approach, instead of investing in an expensive, lengthy, and high-risk, large-scale system overhaul.

Payment APIs and Integration 88

Payment APIs and Integration Innovation Cross-Border ISO 20022 88

The Payments Association

JANUARY 21, 2025

Payments Report 2024 As the global payments ecosystem undergoes a period of rapid transformation, the Payments Report 2024 serves as an essential resource for industry leaders navigating shifting trends, emerging technologies, and dynamic consumer behaviour.

Payments Trends 88

Payments Trends Financial Crimes Cross-Border Payments 88

PYMNTS

JULY 27, 2020

Now, Edwards said, banks are at the same starting point on disbursements, but this is the opportunity to capitalize on the next big digital payments wave — from digital to instant, on-demand money, creating a modern disbursements experience. The evolution to make all payouts instant, on demand and with choice, he noted, is underway.

On-Demand 91

On-Demand Instant Payments Push-to-Card Treasury 91

PYMNTS

NOVEMBER 10, 2020

With open banking technologies making their way beyond the world of consumer finance and into the business banking market, new use cases are emerging from the legislation that opens up bank account data and offers FinTechs opportunities for new functionalities via deeper data integrations. Emerging Use Cases.

Use Case 75

Use Case Payment APIs and Integration Accounts Finance 75

NFCW

APRIL 4, 2024

More than 80% of the respondents to a survey conducted by ABI Research on behalf of the NFC Forum said they have used a smartphone or smartwatch to make a contactless payment. The biennial NFC Usage and Adoption Study involved consumers in nine countries — the US, the UK, France, Italy, Spain, Germany, China, Japan and South Korea.

Consumer 122

Consumer Contactless Payments Use Case Research 122

Basis Theory

NOVEMBER 12, 2024

This company doesn’t want to go through the trouble and expense of securing its employees’ data within its own system, so it uses a tokenization platform for storing sensitive employee data. Although the company hosts the website, the form uses an iframe, which captures and sends PII to the tokenization platform.

Encryption 157

Encryption Payment APIs and Integration PCI DSS Returns 157

The Fintech Times

SEPTEMBER 3, 2024

With many generative AI projects leveraging LLMs moving from proof-of-concept to production, the demands for power-efficient, secured and scalable solutions have emerged as key priorities. The post IBM Pulls the Curtain on New Innovations, Supporting Generative AI Use Cases in Financial Services appeared first on The Fintech Times.

Use Case 64

Use Case AI Innovation CHIPS 64

The Payments Association

MARCH 27, 2025

Multibanking, (which is access to best of breed financial services among use cases and locations) can empower corporates to take full advantage of this opportunity. Multibanking, (which is access to best of breed financial services among use cases and locations) can empower corporates to take full advantage of this opportunity.

Embedded Finance 88

Embedded Finance Finance Non-Bank On-Demand 88

The Payments Association

FEBRUARY 10, 2025

Currently, large enterprises are the primary users, while small businesses and consumers have shown limited adoptionlikely due to unclear policies on customer eligibility and risk exposure. Data shows that vIBANs are primarily used by large financial firms, with minimal adoption among small businesses and individual consumers.

IBAN 88

IBAN AML Master Account Due Diligence 88

PYMNTS

OCTOBER 2, 2020

In today’s top news, the European Central Bank outlines use cases for a digital euro, and Goldman Sachs will buy GM’s credit card business. European Central Bank Outlines Use Cases for Digital Euro. Plus, Walmart is partnering with Clover Health for its new health centers.

Use Case 77

Use Case Credit Cards Central Bank Push-to-Card 77

PYMNTS

NOVEMBER 3, 2020

But it's not only consumers driving demand for real time. In this week's roundup of payment rail innovation, PYMNTS finds B2B payments use cases serve as an important driver of adoption, with FinTechs and financial service providers embracing payment rails old and new to enable real-time B2B payments and foreign exchange.

Use Case 56

Use Case B2B Distributed Ledger Technology (DLT) ISO 20022 56

Fintech News

JANUARY 21, 2025

These include embedded finance, a market thats projected to reach US$7.85 Instead, open finance development is being driven by market forces, including consumer demand, fintech innovation, and competitive pressures among financial institutions. appeared first on Fintech Singapore.

Payment APIs and Integration 107

Payment APIs and Integration Finance Cross-Border API 107

The Payments Association

JANUARY 22, 2025

The widespread shift to online reliance has created a greater demand for accessing various services online, including government public services and online retail payments. In the US, the Transportation Security Administration (TSA) accepts state-issued driving licences or ID cards via a TSA-approved application or digital wallet.

Security 88

Security Online and Mobile Banking Credential Verification 88

Open Banking Excellence

NOVEMBER 9, 2023

Since Open Banking launched in January 2018, seven million consumers and businesses have used it. The number of adults using Open Banking in the UK represents around 10% of the adult population. A suboptimal allocation of fraud liabilities to ASPSPs and consumers. We have some way to go.

Use Case 130

Use Case API Fraud Prevention Risk 130

The Payments Association

JANUARY 13, 2025

It is advised that firms ensure their custody arrangements, contracts and terms of service are aligned with these legal definitions in the interest of avoiding disputes while strengthening consumer trust. Most notably, the three areas are contractual uncertainty, asset recovery challenges, and consumer claims. Why is it important?

Legal 88

Legal Stablecoins Cross-Border Due Diligence 88

Fintech Finance

JULY 9, 2024

NASDAQ: SOFI), today announced it is arming fintechs with wire transfer capabilities, enabling them to better serve consumers and businesses by offering another option for fast, secure money movement. Galileo Financial Technologies , a leading financial technology company owned by SoFi Technologies, Inc.

Wire Transfer 97

Wire Transfer Wire Wires FedWire 97

PYMNTS

SEPTEMBER 16, 2019

That is just one of five critical findings highlighted in How We Will Pay 2019 , a PYMNTS, Visa collaboration examining how consumers use a wide range of connected devices to shop and make purchases. consumers who documented their shopping and purchasing experiences over a seven-day period in mid- to late-July of 2019.

Consumer 75

Consumer Use Case On-Demand FinTech 75

The Payments Association

MARCH 17, 2025

How the FCA can define and balance acceptable risk in UK payments regulation to support innovation while ensuring financial stability and consumer protection. UK payments firms are grappling with a critical question: What level of risk is acceptable in a market that demands both innovation and resilience? Why is it important?

Regulations 88

Regulations Risk Stablecoins Payments 88

PYMNTS

MAY 7, 2020

The opportunity, Doug Brown, senior vice president and general manager of NCR Digital Banking, told Karen Webster, lies in embracing a “digital-first” mindset that can create a better experience — even a touchless experience — for consumers. Brown said there had been examples of a shift toward digital-first use cases already taking root.

ATM 122

ATM Credit Union Online and Mobile Banking Use Case 122

PYMNTS

NOVEMBER 25, 2020

Instant Paychecks Should Get Consumers Interested. But Ranta added that when it comes to the consumer, the critical use cases that could spur wider adoption aren’t there quite yet. "We We have not seen the use cases or the digital overlay services rolled out,” he noted. "We consumers). consumers).

Real Time Payments 114

Real Time Payments RTP FedNow TCH 114

PYMNTS

SEPTEMBER 13, 2019

Rampant data breaches have left consumers on edge about digital fraud. In fact, recent PYMNTS research shows that most consumers believe they can do a better job of identifying and protecting themselves against fraud than their FIs, with 71.2 Despite widespread demand for greater mobile banking authentication controls, only 39.9

Consumer 66

Consumer Authentication Mobile Banking On-Demand 66

FloQast

MARCH 19, 2025

From here, the agent transforms such data using natural language inputs. Now that you understand what agents are, its time to look at their use cases. Use Cases of AI Agents AI in accounting is not new, although there have been significant advancements in recent years.

AI 52

AI Accounts Fraud Detection Audit 52

PYMNTS

OCTOBER 1, 2020

Consumers and microbusinesses now get an average of two disbursements each year, excluding tax disbursements from local, state and federal governments. More than two-thirds of consumers (68.1 Among consumers, instant payments accounted for a little more than one in 10 of those disbursements (14 percent). Consumers disagree.

Instant Payments 122

Instant Payments Payee Same Day ACH Non-Bank 122

Fintech Finance

JULY 30, 2024

AppBrilliance , a pioneer in real-time payment solutions with its cutting-edge Money API platform, is leveraging a recent rule change by The Clearing House to expand use-cases for Real Time Payments (RTP) to closed-loop digital wallets in the US. Outside the U.S., Eric Smith, AppBrilliance’s Founder and CEO.

RTP 98

RTP FedNow RFP Payment APIs and Integration 98

PYMNTS

OCTOBER 15, 2020

Against that backdrop of moving away from paper payments, and toward ubiquitous real-time payments, TCH’s Waterhouse said there’s probably not a use case “that’s going to tip the scale here.” But he pointed to a use case that might be a bit under the radar. More Tools, More Flexibility .

Real Time Payments 125

Real Time Payments NACHA SWIFT TCH 125

PYMNTS

JULY 15, 2020

“Just as changing consumer behaviors are accelerating the adoption of digital commerce, they are also creating a greater demand for digital payout methods.”. In just over three months, digital commerce adoption among consumers has grown exponentially, accelerating many businesses’ nascent digital transformation plans into overdrive.

On-Demand 94

On-Demand Use Case Contactless Payments Innovation 94

The Payments Association

MARCH 18, 2025

As more jurisdictions refine regulations and expand open finance frameworks, the focus will shift to interoperability, consumer trust, and cross-industry data integration. Ultimately, this convergence fosters a more inclusive and efficient financial ecosystem, benefiting consumers and businesses alike. What’s next?

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

PYMNTS

DECEMBER 24, 2018

The “Twelve Days of Christmas” is a holiday classic, though some of us at PYMNTS still don’t understand why anyone would want to take a partridge away from what seems like a pleasant existence in a pear tree. consumers who were asked about the devices they own and how they use them to buy things. 1: With Multiple Devices.

Consumer 83

Consumer Online and Mobile Banking Debit Card Volume 83

Tearsheet

FEBRUARY 20, 2025

In November 2024, JPM rebranded Onyx, its blockchain-based asset tokenization platform, to Kinexys, and also renamed its JPM Coin to Kinexys Digital Payments to meet the increasing demand for asset tokenization among major financial institutions. BTS: Refining the experience from the inside out Tracking J.P.

Payment APIs and Integration 64

Payment APIs and Integration FinTech Embedded Finance Payments 64

PYMNTS

JULY 10, 2020

it’s been an organic-but-inevitable exercise, driven primarily by innovation and consumer demand.”. After all, the financial services ecosystem is striving to give consumers access to their financial records and leverage tech-driven innovations to improve their lives. Protecting Consumer Data. In the U.S.,

AML 108

AML Privacy Procedures Money Laundering 108

PYMNTS

JANUARY 8, 2021

In short, the global pandemic has ushered in rising usage — and use cases — for TCH’s RTP ® network, and Whisler doesn’t see that slowing down anytime soon. when businesses or consumers need to deliver or receive goods, she said. I'd love to see an [RTP] use case that we can talk about next December.”.

RTP 139

RTP TCH Funding Agent Continuing Education 139

PYMNTS

APRIL 22, 2019

The company said the platform is available for the company’s clients and partners through Visa Next, a website billed as a “new destination” for glimpsing and using new solutions in the payment giant’s ongoing pipeline. We used to have the network, the issuers, the issuer processors … and then the consumer,” he added.

Payment APIs and Integration 91

Payment APIs and Integration Issuers API Use Case 91

Fintech News

MAY 21, 2024

Institutional Investors Surging Demand for Digital Assets The SBI DAH report highlights a notable surge in institutional demand for digital assets. Traditional securities transactions often involve complex and time-consuming settlement processes, which can take several days to complete.

Settlement 139

Settlement Cryptocurrency Blockchain Digital Currency 139

Fintech Finance

OCTOBER 15, 2024

The RoPay service is being gradually rolled out, as participating banks introduce new features and cover more use cases, while users get accustomed to the service. The first available use is for proximity-based person-to-person (P2P) payments.

Instant Payments 98

Instant Payments Online and Mobile Banking Processors Payments 98

PYMNTS

DECEMBER 3, 2020

The digital shift brought on by the coronavirus has caused treasury banks to reprioritize their support of digital payments as consumers and merchants increasingly demand fast, easy and secure ways to get their money. They can get access to that loan immediately.”. More Than Just Speed.

Treasury 89

Treasury Visa Digital Payments Debit Card 89

PYMNTS

MAY 7, 2020

That’s Visa Senior Vice President and Global Head of FinTech Terry Angelos reflecting on the impact of the rapid shift to digital for consumers and businesses around the globe who en masse began living many aspects of their personal and business lives in a mostly digital world — literally all at once, overnight. In the U.S.,

FinTech 95

FinTech Multi-Currency Cross-Border Credential 95

PYMNTS

DECEMBER 22, 2020

“So when you take all of these consumer behavioral changes, there's a big seismic shift, and merchants have had to adapt really fast,” said Sharath Dorbala , CEO of subscription management platform Vindicia , in a recent conversation with PYMNTS’ Karen Webster. For example, when a consumer runs out of milk, they can run out and buy more.

Push-to-Card 116

Push-to-Card Consumer On-Demand Use Case 116