- Wednesday 26th July - 4:00 am
![Why FinTechs Should Never Stop Climbing the 'Profit Hill'](https://www.pymnts.com/wp-content/uploads/2023/07/SEZZLE-VERA.png?w=160&h=113&crop=1)
We’re a long way from the halcyon days of FinTech funding just a few years ago.
Sezzle CEO Charlie Youakim and Vera Equity Co-founder Jon Pomeranz told PYMNTS Karen Webster that ...
- Monday 17th July - 4:00 am
![Data and Better Loan Terms Help Credit Unions Win Millennial Business](https://www.pymnts.com/wp-content/uploads/2023/07/credit-unions-younger-consumers.jpg?w=160&h=113&crop=1)
As inflation remains stubbornly in place and credit gets ever more expensive, credit unions may have a secret weapon.
Scott Young, managing VP of Emerging Services at PSCU, told PYMNTS that ...
- Thursday 13th July - 4:02 am
![Index Ventures’ Fiorentino Says FinTechs Need ‘Thrive but Survive’ Mindset to Ease Path to Profitability](https://www.pymnts.com/wp-content/uploads/2023/07/FinTech-profitability.jpg?w=160&h=113&crop=1)
Following a years-long venture capital (VC) bull market that saw FinTech startups raise billions of dollars in funding, the challenging macroeconomic market has led to a sharpened focus on belt-tightening, ...
- Friday 30th June - 4:03 am
![Why Old Accounts Receivable Systems Cost Firms New Business](https://www.pymnts.com/wp-content/uploads/2023/06/AP-Capital-One.jpg?w=160&h=113&crop=1)
There’s a reason that business processes get the “consumer” treatment, not the other way around.
And it isn’t just because the cart can’t drive the horse.
As it relates to end-user purchasing ...
- Friday 12th May - 4:00 am
![FinTechs’ Latest Profitability Challenge Is Finding Business Models Beyond Interchange](https://www.pymnts.com/wp-content/uploads/2023/05/Sezzle-Dave-podcast.png?w=160&h=113&crop=1)
FinTechs are facing an existential crisis now that the age of easy access to capital is over.
Investors — running the gamut from private venture capital firms to Wall Street activist ...
- Wednesday 1st March - 4:01 am
![Credit Unions That Match Payments With Personalization Win Digital Wallet Share](https://www.pymnts.com/wp-content/uploads/2023/03/credit-unions-digital-wallets.jpg?w=160&h=113&crop=1)
Digital wallets are helping to create a faster, more expedited checkout for consumers.
As financial institutions (FIs) and tech companies battle for market share and compete to bring their offerings to ...
- Wednesday 1st February - 4:00 am
![Sezzle CEO: FinTech Path to Profitability Starts With Being Your Own Worst Critic](https://www.pymnts.com/wp-content/uploads/2023/02/Sezzle-Charlie-Youakim.jpg?w=160&h=113&crop=1)
If Sezzle CEO Charlie Youakim had to write a book about the FinTech bubble that burst in 2022, he’d call it “Crazy Money.”
That nugget came up in a conversation between ...
- Friday 23rd September - 4:02 am
![Raising the Bar for Passwordless, Frictionless Commerce](https://www.pymnts.com/wp-content/uploads/2022/09/16x9-Podcast-Jonathan-Van-der-Marwe.png?w=160&h=113&crop=1)
3DS 1, 3DS 2.1, 3DS 2.2.
These acronyms should be crowding merchants’ minds as fines loom this fall for those who are not in compliance with the latest version of the ...
- Wednesday 14th September - 4:00 am
![Companies Lean on Biometrics, Machine Learning to Stay ‘One Step Ahead' of Fraudsters](https://www.pymnts.com/wp-content/uploads/2022/09/16x9-Wessel-Matthee-Entersekt.png?w=160&h=113&crop=1)
Wessel Matthee, information security compliance manager at Entersekt, told PYMNTS that through the past few years, there’s been a shift in the ways in which fraudsters try to steal personally ...
- Wednesday 14th September - 4:00 am
![Deciphering the Alphabet Soup of Crypto Regulation](https://www.pymnts.com/wp-content/uploads/2022/09/crypto-regulation.jpg?w=160&h=113&crop=1)
If you granted one wish to virtually anyone doing business in the cryptocurrency world, and especially those involved in making payments and transferring money, they would likely ask for regulatory ...
- Tuesday 19th July - 4:00 am
![Savvy AI Deployments Help Healthcare Providers Climb Reimbursement Learning Curve](https://www.pymnts.com/wp-content/uploads/2022/07/Artboard-1-copy-2robstucker-2.png?w=160&h=113&crop=1)
In the darkest hours of the pandemic when stimulus money was being provided, COVID-19 tests and vaccinations were free to patients, but someone had to pay the bills. In most ...
- Friday 15th July - 4:01 am
![Banks Take Fresh Look at FinTech Acquisitions to Improve Customer Efficiencies](https://www.pymnts.com/wp-content/uploads/2022/07/Artboard-1-copy-2nickfarrow.png?w=160&h=113&crop=1)
Banks are accustomed to vying with FinTechs for customers, but increasingly, they’re partnering with them as a way to win new businesses and better serve their customers.
Access to FinTechs’ technology ...
- Friday 8th July - 4:01 am
![Cybersecurity Firms Challenge 'Professional Fraudsters' With Customer-Friendly Protections](https://www.pymnts.com/wp-content/uploads/2022/07/Artboard-1-copy-2dewald-nolte.png?w=160&h=113&crop=1)
Is “fraudster” a title or job description of some kind? Perhaps it should be, because when shopping or sending money online, you’re never totally sure who’s on the other end. ...
- Thursday 16th June - 4:01 am
![Retailers Brace for Friendly Fraud’s New Seasonal Surges](https://www.pymnts.com/wp-content/uploads/2022/06/Sara-Craven-Verifi.png?w=160&h=113&crop=1)
To quote that old song: “To everything there is a season.”
And payments, there are seasons for disputes.
In an interview with Karen Webster, Verifi CEO Sara Craven said that the summer ...
- Thursday 9th June - 4:01 am
![Moving the Passwordless Future to the Here and Now](https://www.pymnts.com/wp-content/uploads/2022/06/Artboard-1-copy-2entersekt.png?w=160&h=113&crop=1)
Even amid the great digital shift, some things haven’t changed.
“Many people still love to hate passwords, and still have to wait for authentication requests that come through [via ...
- Wednesday 8th June - 1:00 am
![Startups Opt for Fixed-Price Payments to Bank MENA’s Unbanked](https://www.pymnts.com/wp-content/uploads/2022/06/Artboard-1-copy-2sokin.png?w=160&h=113&crop=1)
In the last couple of decades, consumers’ preferences for cross-border payments have been shifting, and more and more people are demanding convenience, speed, security, and above all, value for money, ...
- Tuesday 17th May - 4:00 am
![Trust, Choice and Convenience Are the New Glue of Customer Loyalty](https://www.pymnts.com/wp-content/uploads/2022/05/Artboard-1-copy-2DavidBruce.png?w=160&h=113&crop=1)
Customer acquisition costs aren’t less costly, and consumers have a universe of choices at their fingertips now. It’s time for businesses and consumers to get to know each other better ...
- Friday 13th May - 4:00 am
![Credit Unions Use Digital to Head Off Competition From Big Banks, FinTechs](https://www.pymnts.com/wp-content/uploads/2022/05/Artboard-1-copy-2PSCU-Podcast.png?w=160&h=113&crop=1)
By and large, credit unions (CUs) are weathering the pandemic well, but nimble FinTechs and resourceful big banks want those loyal CU members as their own, making digital investment and ...
- Monday 9th May - 4:02 am
![PayPal Combines COVID Learning With Digital Transformation to Pursue ‘Commerce 2.0’](https://www.pymnts.com/wp-content/uploads/2022/05/Artboard-1-copy-2PAYPAL.png?w=160&h=113&crop=1)
If you remember Internet 1.0, it looked like a pinball machine and wasn’t very smart, making search results an adventure that often ended in disappointment. Selling is much the same, ...
- Monday 2nd May - 10:24 pm
![Facebook Shuts Audio Hub, Drops Podcasts](https://www.pymnts.com/wp-content/uploads/2022/03/fake-crypto-ads-meta-facebook-celebrities-australia-ACCC-watchdogjpg.jpg?w=160&h=113&crop=1)
Facebook won’t be dabbling in podcasts anymore, a report from Bloomberg said Monday (May 2).
The social media giant plans to remove podcasts altogether from the service as of June 3.
The ...
- Friday 15th April - 4:00 am
![Open Banking Platforms Strive to Balance Security and Ease of Use](https://www.pymnts.com/wp-content/uploads/2022/04/Simon-Armstrong.jpg?w=160&h=113&crop=1)
Open banking is emerging across every market, but it’s doing so at different paces, for different reasons and in the face of different challenges.
“I think the reason for the emergence ...
- Wednesday 30th March - 4:02 am
![In Bid to Raise the Checkout Bar, PayPal Urges Industry to Boost Authorizations](https://www.pymnts.com/wp-content/uploads/2022/03/PayPal_Building.jpg?w=160&h=113&crop=1)
Declines are deadly during this critical phase of eCommerce growth, which is placing authorization optimization and authorization rates at the center of payments planning in 2022.
As businesses become understandably obsessed ...
- Tuesday 15th March - 4:00 am
![Banks’ Digital Offerings Walk a Fine Line Between Trust and Seamlessness](https://www.pymnts.com/wp-content/uploads/2022/03/Mzukisi-Rusi.jpg?w=160&h=113&crop=1)
Roughly 70% of consumers have extremely or very high levels of trust in their financial institutions (FIs), which may lead one to wonder what’s going on with the other 30%.
In ...
- Friday 25th February - 4:00 am
![Digital Tools Unlock New Markets for Credit Unions](https://www.pymnts.com/wp-content/uploads/2022/02/Denise-Stevens.jpg?w=160&h=113&crop=1)
Credit unions (CUs) historically have been known for their service — the tellers who know you by name and the call-center staffers who will take the time to make sure ...
- Thursday 17th February - 4:00 am
![Banking Customers Demand More Security — But Not if it Hurts User Experience](https://www.pymnts.com/wp-content/uploads/2022/02/Lindsay-Dutton.png?w=160&h=113&crop=1)
When accessing their digital financial accounts, customers want to have a choice of channels and devices to use. They also want to have a great user experience (UX), whether via ...
- Tuesday 15th February - 4:02 am
![Banks Use Data, Deep Pockets and Trust to Prep BNPL Entry](https://www.pymnts.com/wp-content/uploads/2022/02/BNPL-BANK-BALANCE-1.jpg?w=160&h=113&crop=1)
They’ve waited — and they’ve watched.
Ava Kelly, chief product officer at i2c, told PYMNTS that banks, after observing digital upstarts, are now fully ready to embrace buy now, pay later ...
- Monday 24th January - 4:00 am
![Risk-Based Authentication Can Improve Customer Experience, Cement Loyalty](https://www.pymnts.com/wp-content/uploads/2022/01/Andries-Maritz.jpg?w=160&h=113&crop=1)
Fraud is always evolving, and financial institutions girding themselves against attacks often find themselves in the unenviable position of being, at most, one or two steps ahead of the bad ...
- Wednesday 19th January - 4:02 am
![Responding to ‘Pandemic Fatigue,’ Companies Lead With Empathy](https://www.pymnts.com/wp-content/uploads/2022/01/Richard-Bailey.png?w=160&h=113&crop=1)
After two years of the pandemic — and the new way of living and working that came along with it, with no end in sight — more and more people ...
- Thursday 23rd December - 4:00 am
![Data Plus Trust Is the Credit Union’s Digital Roadmap](https://www.pymnts.com/wp-content/uploads/2021/12/Podcast-with-Tiffany-Doty.jpg?w=160&h=113&crop=1)
The pandemic has spotlighted a key urgency for financial institutions (FIs) of all types: investigating and investing in the connection between human and digital engagement while remaining focused on members’ ...
- Tuesday 14th December - 4:00 am
![How Trust, Choice, Ease and Fast Approvals Fight Foul-Ups at Checkout](https://www.pymnts.com/wp-content/uploads/2021/12/Podcast-with-Darrell-Esch.png?w=160&h=113&crop=1)
Your checkout experience may appear to be going smoothly. You’ve found what you’re looking for, you’ve clicked “pay” or tapped your credit card at the point-of-sale terminal. Your bank, meanwhile, ...
- Tuesday 30th November - 4:00 am
![New User Authentication System Sets Stage for a Passwordless Future](https://www.pymnts.com/wp-content/uploads/2021/11/JV.jpg?w=160&h=113&crop=1)
With the longstanding 3D Secure (3DS) version 1 being readied for retirement in October 2022, financial institutions (FIs) and merchants are preparing for a streamlined authentication process more aligned with ...
- Tuesday 30th November - 4:00 am
![The Metaverse Will Need Its Own INTERPOL to Police Payments Crossing Between Virtual, Real Worlds](https://www.pymnts.com/wp-content/uploads/2021/11/Hal-Lonas.jpg?w=160&h=113&crop=1)
If the metaverse is a virtual world, will it need a virtual version of INTERPOL to police it for fraud and financial crimes? Like so many things about the nascent ...
- Tuesday 9th November - 4:00 am
![Credit Unions Must Digitalize Products, Services and Support To Re-engage Existing Members](https://www.pymnts.com/wp-content/uploads/2021/11/CO-OP-PODCAST.jpg?w=160&h=113&crop=1)
Coming out of the pandemic, consumers are looking for a lot of digital-first experiences. When it comes to financial services, many are moving to FinTechs and downloading new apps that ...
- Monday 18th October - 4:00 am
![For SMBs, Build vs. Buy Microservices Debate Warrants a Look at the Tech Stack](https://www.pymnts.com/wp-content/uploads/2021/10/Brandon-Gell.jpg?w=160&h=113&crop=1)
The tech stack — that conglomeration of tech, codes, software and services that build websites or apps — can be a strategic advantage, not a cost center.
Brandon Gell, CEO and ...
- Friday 15th October - 4:00 am
![For Subscription Businesses, Fewer Failed Payments Means Better Customer Retention](https://www.pymnts.com/wp-content/uploads/2021/10/Podcast-with-Darryl-Hicls.jpg?w=160&h=113&crop=1)
Subscription businesses know that if a payment is failing, it’s bad for them and bad for the customer, though many may not realize just how bad it actually might be.
Beyond the ...
- Tuesday 12th October - 4:00 am
![Software Developers Vital to Creating, Scaling Connected Economy](https://www.pymnts.com/wp-content/uploads/2021/10/PayPal-Mudita-Tiwari-connected-economy.jpg?w=160&h=113&crop=1)
A primary challenge of the connected economy is continuously building out and then enhancing the billions of connections powering popular omnichannel experiences that shoppers, merchants, payments providers and technology partners ...
- Friday 8th October - 4:00 am
![Going Digital, But Staying Personal, Means Customer Considerations Must Come First](https://www.pymnts.com/wp-content/uploads/2021/10/Nick-Calcanes.jpg?w=160&h=113&crop=1)
If you ask most credit unions to list their biggest competitive advantage that other financial players don’t have, you’d likely hear of their ability to meet members’ needs or to ...
- Thursday 30th September - 4:00 am
![BNPL Offers Merchants New Insights Into Consumer Buying Behavior](https://www.pymnts.com/wp-content/uploads/2021/09/Podcast-with-Zahir-Khoja.png?w=160&h=113&crop=1)
With an estimated 29 million U.S. consumers having used buy now, pay later (BNPL) to complete their purchases in the last 12 months, merchants and brands are increasingly looking at ...
- Tuesday 28th September - 4:00 am
![With 80% of Data Breaches Involving Passwords, Their Retirement Cannot Happen Soon Enough](https://www.pymnts.com/wp-content/uploads/2021/09/Podcast-with-Praveksha-Maharaj.png?w=160&h=113&crop=1)
Passwords are, in a word, broken. We all know this — and yet we continue to use them almost reflexively.
“Passwords provide a poor user experience in part because you need ...
- Friday 17th September - 4:00 am
![Digitizing the Cash Application Process Reduces Supplier DSOs by 30%, Improves Cash Flow](https://www.pymnts.com/wp-content/uploads/2021/09/Cash-Flow.jpg?w=160&h=113&crop=1)
The past year and a half has seen no shortage of technological transformations – and, increasingly, companies have set out to “make over” their accounts receivable (AR) operations through digitization.
As ...
- Wednesday 15th September - 4:02 am
![‘Click to Pay’ + Consumer Ed = Transformed Online Shopping](https://www.pymnts.com/wp-content/uploads/2021/09/Featured-Images-2.png?w=160&h=113&crop=1)
Amid the great digital shift, as more consumers embrace digital wallets and cards and shop at an ever-widening array of merchants, the transformation of online guest checkout options, including Click ...
- Wednesday 15th September - 4:00 am
![Why Merchants’ Biggest Fraud Problem Isn’t The Payments Consumers Make](https://www.pymnts.com/wp-content/uploads/2021/09/i2c-Nathan-Wu-Falkenborg.jpg?w=160&h=113&crop=1)
It’s becoming ever more critical for fraud management and mitigation to be part of emerging technologies such as virtual cards, digital issuing, and buy now, pay later (BNPL) offerings.
And it’s ...
- Monday 13th September - 4:00 am
![PayPal’s Jim Magats: SMBs Must Meet Customers Across Connected Economy’s ‘Four Domains’](https://www.pymnts.com/wp-content/uploads/2021/09/Jim-Magats.jpg?w=160&h=113&crop=1)
In the connected economy, consumers want to simplify how they access the many things that were once resident in individual apps on their phones. The far-flung data that is created ...
- Friday 10th September - 4:00 am
![Consent-Based Social Security Number Verification Helps to Reduce Synthetic IDs](https://www.pymnts.com/wp-content/uploads/2021/09/early-warning.jpg?w=160&h=113&crop=1)
With the headlines swirling about data breaches and the sensitive information that is being sold on the dark web, it may seem like the most basic level of identification — ...
- Thursday 2nd September - 4:00 am
![The Secret Sauce for FIs to Retain Customers Is to Be Invisible, Fast and (Nearly) Free](https://www.pymnts.com/wp-content/uploads/2021/08/CO-OP-PODCAST-2.jpg?w=160&h=113&crop=1)
“The notion of having a single financial relationship is really a thing of the past,” said Todd Clark, president and CEO of CO-OP Financial Services, a 40-year-old, nationwide credit union ...