The Payments Association

FEBRUARY 10, 2025

Andrew Doukanaris Ambassador, The Payments Association While vIBANs have positive use cases, challenges exist in limited monitoring of the end user, alignment with the PSPs risk appetite, and the lack of a consistent framework to mitigate financial crime and regulatory risks.

IBAN 88

IBAN AML Master Account Due Diligence 88

PYMNTS

DECEMBER 22, 2020

Increasingly, consumer and corporate end users of various platforms are seeking a more seamless experience, and the owners of those platforms are finding a big opportunity to integrate a range of financial products and services, from payments to financing. But across use cases, Bloh said two key themes are emerging.

Payment APIs and Integration 114

Payment APIs and Integration End User Treasury Non-Bank 114

PYMNTS

SEPTEMBER 23, 2020

But for non-financial companies to provide a positive finance experience to end-users, making payments seamless is key. For Zoop, that means white labeling a solution, which enables businesses to provide a consistent brand experience even while using a third-party platform. "For LATAM's Open Banking Journey.

Payment APIs and Integration 126

Payment APIs and Integration Non-Bank Debit Card Push-to-Card 126

NFCW

APRIL 4, 2024

. “As familiarity and understanding of NFC continues to grow, so too does demand for additional applications and use cases for the technology.

Consumer 122

Consumer Contactless Payments Use Case Research 122

Fintech Finance

OCTOBER 4, 2024

The study sheds light on how various factors, including use cases, benefits, and industry challenges, are shaping the future of instant payments. “The widespread adoption of instant payments will not only enhance user experiences but will also foster greater competition, innovation, and inclusion in financial services. .”

Instant Payments 93

Instant Payments Faster Payments FPC Corporate Credit Unions 93

The Fintech Times

FEBRUARY 26, 2025

. “Organisations are now thinking about how AI specifically applies to them, and they are leveraging these benefits across their operations and customer-facing services to address challenges specific to their workflows, industry and end users not just joining the AI hype because its trending.

AI 78

AI FinTech Financial Literacy End User 78

Fintech Finance

JUNE 14, 2024

The products support secure authentication and verification, access and health care use cases. Working with WiBioCard and their wide portfolio of products enables end-users worldwide to experience innovative solutions firsthand that improve our daily lives.”

Verification 98

Verification Privacy Authentication End User 98

PYMNTS

NOVEMBER 27, 2019

That is to say, mass adoption will take time, and the factors driving that adoption will almost certainly continue to change and shift as end users’ needs do the same. Although the technology exists, it’s ultimately the end user who will dictate how (or if) to use it.

ISO 20022 117

ISO 20022 Cross-Border Payments ISOs Cross-Border 117

Fintech Finance

JULY 16, 2024

“Organisations using these cards will be able to tailor parameters for each card in the way they see fit, including by choosing who can use the card, where the card can be used, how much can be spent, how often it can be used and for how long. The solution is available for Westpac institutional and commercial clients.

Credit Cards 94

Credit Cards Encryption Online and Mobile Banking End User 94

Fintech Finance

JULY 9, 2024

” Enabling wire capabilities benefit end users in several ways: Fast Transactions: Recipients receive their funds on the same day they’re sent. “Adding wire transfer capabilities supports the demand for fast and secure money movement and integrates seamlessly with fintech’s existing financial infrastructures through API access.”

Wire Transfer 97

Wire Transfer Wire Wires FedWire 97

Fintech Finance

NOVEMBER 5, 2024

The app will use Mastercard’s virtual card and tokenization technology – whereby a cardholder’s sensitive data is replaced by a unique card number so sensitive account details are not exposed to offer enhanced data security and spend control features, all accessible via a simple, easy to use interface.

Visa 96

Visa End User Data Security Instant Payments 96

PYMNTS

JANUARY 26, 2021

And while the concept initially set its sights on elevating the consumer banking experience, the data integration drive continues to expand into new use cases, including business banking, that open up opportunity through bank-FinTech collaboration and data integration.

ISO 20022 142

ISO 20022 ISOs Payment APIs and Integration Message Standards 142

PYMNTS

DECEMBER 15, 2020

Increasingly, those value-added services are not only focusing on speed of payment, but also enhancing the data that end-users can access about their transactions, with new solutions from Bank of America and Scotiabank some of the latest to bring real-time rails to corporates. Visa Talks Payment Rail Innovation.

Innovation 94

Innovation Cross-Border Payments Cross-Border Real Time Payments 94

PYMNTS

APRIL 17, 2020

Small businesses and corporate end-users have emerged as powerful drivers of exploring new use-cases for open banking and PSD2 regulations. But it’s not the only use-case for open banking. “People were not believing in open banking so much as a big evolution. Connecting Accounting to Payments.

Innovation 83

Innovation Payment APIs and Integration Use Case Reconciliation 83

PYMNTS

OCTOBER 16, 2017

What’s often missing is the “why,” the myriad use cases for which APIs can add value to the business, and the state of readiness of the end-user to use APIs effectively. Problem number two comes down to whether the bank’s end users themselves can integrate with an API. Two To Tango.

API 80

API Payment APIs and Integration End User Use Case 80

Payments Source

FEBRUARY 3, 2017

As technology evolves, payment capabilities become more deeply embedded to the point where they are practically invisible to the end user. This concept works already in specific use cases such as Uber, but many companies envision a hands-free payment experience for all of retail.

End User 60

End User Use Case Payments Technology 60

Fintech Finance

MARCH 18, 2025

This includes account funding and a variety of payment use cases in the United States via the Mastercard network. million end users. Mastercard Move provides banks, non-bank financial institutions, direct disbursers and their customers with fast, secure money transfer solutions.

Visa 93

Visa Near Real-Time Credit Union Non-Bank 93

PYMNTS

APRIL 22, 2019

Essentially, he noted, providers can come to the platform to build out the end-user experiences they desire. New Use Cases. Through the functionalities embedded in the APIs , Shrauger said, new use cases can take shape through which consumers can manage a range of financial activities, far-reaching in nature.

Payment APIs and Integration 91

Payment APIs and Integration Issuers API Use Case 91

PYMNTS

SEPTEMBER 18, 2020

Yet as these businesses expand across borders, their cross-border payment strategies must prioritize a local experience for the end-user, says Sebastián Kanovich , Chief Executive Officer at dLocal. So the user is still paying with cash,” said Kanovich, “but the whole experience changes. Encouraging The Digital Payments Shift.

Cross-Border 101

Cross-Border Cross-Border Payments End User Facilitators 101

PYMNTS

MARCH 3, 2020

There must also be transparency, as the enterprises and agencies using the platform must have obtained end-users’ explicit consent to work with that data. As Caballero said, “we can use the different types of data and can vary our models by mixing all of them.”. The Use Cases. The Commercial Setting.

AI 85

AI Use Case Financial Inclusion Governance 85

Fintech Finance

OCTOBER 1, 2024

Virtual Accounts, which enable instant refunds and payouts, among other key capabilities that help Payment Service Providers (PSPs) unlock the full potential of open banking payments for a vast range of markets and use cases.” “Our

IBAN 98

IBAN Financial Inclusion Settlement Payments 98

PYMNTS

MAY 8, 2020

In a recent conversation with PYMNTS, Michael Brackpool, head of product at bunq , emphasized the role that flexibility plays in being able to address end users’ needs. “We think of the user experience as critical and want to apply this philosophy on the business side.” The Back-End Strategy: Flexibility.

B2C 70

B2C B2B End User Addressing 70

Faster Payments Council

MARCH 15, 2023

Speakers: Elizabeth McQuerry, Glenbrook Partners; Mike Sklow, Goldman Sachs; Samson Rajan; JP Morgan; Miriam Sheril, Form3 1:30pm-2:10pmCT: Panel Session – Business End-Users Mega Use Cases (City Beautiful Ballroom AB) As more capabilities become available for faster payments, business end users are finding creative ways to use the services.

FPC 88

FPC ISO 20022 Cross-Border Payments Federal Reserve 88

The Finance Weekly

JUNE 5, 2024

Key Features: 1) Enterprise-wide Connected Planning Seamlessly synchronize planning across organizations using clear, collaborative formats and dashboards. 3) Good Time to Value Rapidly model scenarios, collaborate with stakeholders and make swift decisions from a unified user experience.

AI 130

AI Audit API Use Case 130

Stax

APRIL 18, 2024

ISVs, or Independent Software Vendors, are businesses that develop and distribute software products to end-users. ISV software products are tailored to meet the specific needs of industries and users. Customer Support In-house support teams maintain direct relationships with end-users for assistance.

ISVS 88

ISVS Payment APIs and Integration End User On-Demand 88

The Fintech Times

APRIL 22, 2024

The key to Web3 development focuses on providing a user-friendly interface and experience for decentralised applications. It’s common for end-users to interact with Web3 applications instead of the blockchain directly. These native and powerful browser applications are numerous and well-suited to financial use cases.

Finance 130

Finance Blockchain Cryptocurrency Regulations 130

The Finance Weekly

JUNE 17, 2024

AI Integrations At Planful, their vision lies in delivering a complete, off-the-shelf AI solution for structured and dynamic planning use cases. Users can customize Planful to fit their specific business needs by creating relevant dimensions. The application's speed sometimes lagged, especially around year-end.

AI 130

AI Addressing Automation Finance 130

Fintech Finance

JULY 24, 2024

As the FPC looks to add even more value, Carl’s experience and judgment will be invaluable in assessing the growing need for coordination and standardization to streamline the adoption of faster payments across various use cases.”

Faster Payments 97

Faster Payments FPC FedNow RTP 97

The Finance Weekly

JUNE 24, 2024

Cons As Pigment is a relatively new solution in the market, there are a few main cons that users point out: Complex onboarding and complicated system. Despite Pigment's thorough onboarding experience, which is guided by an expert team, some end users face challenges when trying to master the extensive range of features available.

Audit 130

Audit AI Automation Finance 130

PYMNTS

FEBRUARY 7, 2020

The telecommunications industry is an early first use case of the technology, Clear Co-Founder and Executive Chairman Eran Haggiag told PYMNTS in a recent interview. The company plans to use the funding to ready its software for enterprise adoption and explore additional verticals into which it can expand. ClearMetal.

B2B 98

B2B Blockchain Cross-Border FinTech 98

Finovate

MARCH 5, 2024

Specifically, Envestnet | Yodlee’s 47 million customers will be able to improve their user experiences by offering their end-users the option to either submit documents or digitally connect bank accounts.

Automation 59

Automation Use Case End User Verification 59

PYMNTS

NOVEMBER 12, 2020

Even so, as this week's exploration of bank-FinTech collaborations and open banking initiatives reveals, opportunities to add new revenue streams, improve product offerings and enhance the end-user experience are too promising to ignore.

Payment APIs and Integration 88

Payment APIs and Integration Treasury Small Business FinTech 88

Open Banking Excellence

NOVEMBER 14, 2023

It allowed for the emergence of various use cases and innovative solutions to address customer needs. Whether evolution or revolution, the future of finance promises exciting possibilities for both industry players and end-users alike. The post Evolution or Revolution?

Non-Bank 130

Non-Bank Rules Authentication Regulations 130

PYMNTS

AUGUST 5, 2020

Fast forward to today, and technology has helped play a role in helping Coinstar embrace new offerings and use cases, spanning paper vouchers for cash, or eGift cards for Amazon and Starbucks, among others; and in terms of mechanics, Gaherity said, in the case of eGift cards it is the product partner, not the end-user, who pays the fee.

Bitcoin 135

Bitcoin Payment APIs and Integration Online and Mobile Banking Credit Union 135

Evolve Payment

FEBRUARY 1, 2024

You can see how valuable this feature can be–you gain access to new features and capabilities, all without disrupting your experience as an end-user. It’s the culmination of two trends: End users looking for the convenience of accessing financial tools inside their favorite daily apps and software.

Embedded Finance 92

Embedded Finance B2B Finance Payments 92

PYMNTS

MARCH 7, 2019

As Red Hat ’s Global Director of Financial Services Richard Feldmann explained, the heart of the embrace and appeal of open source technology is the need for speed, and to evolve use cases for end users (consumers and enterprises) in a more robust and secure fashion. Making Old ATMs New(ish).

ATM 77

ATM Innovation Real Time Payments Blockchain 77

The Fintech Times

SEPTEMBER 9, 2024

For instance, FedNow , the US’s newest payment rail launched in 2023, has an average transaction fee of four cents; making this solution advantageous when compared to cards, with an average fee of 3.5 Therefore, as adoption and use cases develop, cost-efficient A2A payments will likely disrupt the card-dominated US market.

Research 59

Research Transactions Instant Payments FedNow 59