Banking
Embedded Finance Transforms Bank Balance Sheets Into Growth Channels
December 12, 2025

Embedded finance is transforming not just how transactions happen but where financial relationships begin. What once sat at the edge of apps and platforms is now embedded directly into the daily workflows of consumers and businesses, pulling banks toward realizing new revenue streams and balance...

Technology
Airbnb Deploys AI to Prevent Disruptive Parties at Rented Homes
December 12, 2025

Airbnb is using technology to stop disruptive parties before they start. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing...

artificial intelligence
OpenAI Plans to Offer AI Models’ Enhanced Capabilities to Cyberdefense Workers
December 12, 2025

OpenAI said it is adding more safeguards to its artificial intelligence (AI) models amid rapid advancements in all AI models. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required....

artificial intelligence
Enterprise AI Shifts Focus to Inference as Production Deployments Scale
December 12, 2025

Enterprise artificial intelligence is entering a new phase as companies that spent the past two years experimenting with large language models are now moving those systems into live environments. It’s causing a shift in investment and engineering resources toward inference infrastructure. Get the Full Story...

Cryptocurrency
Conditional Charters Pull Crypto Closer to Core of US Banking
December 12, 2025

Crypto just got chartered. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing...

Retail
Target Says Concept Store Reflects Its ‘Design-Driven Future’
December 12, 2025

Target has opened a concept store that the retailer said is part of its “design-driven future.” Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily...

Mobile Applications
Sam Altman’s World App Adds Payments Features Within Chat
December 12, 2025

World, an organization co-founded by Sam Altman, has updated its app to include a native chat function, payments and third-party apps. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins...

Digital Payments
Digital Payments Rebuild Financial Systems in the Middle East
December 12, 2025

Across the Middle East, governments, banks and global payments firms are treating digital payments as foundational infrastructure for future economic activity. The focus is not limited to consumer convenience or incremental efficiency gains. There’s a burgeoning broader effort to build systems that can support cross-border...

Cryptocurrency
This Week in Stablecoins: Incumbents Eye Control of Blockchain Infrastructure
December 12, 2025

Mainstream incumbents are taking over the crypto headlines. The biggest blockchain news this week did not come from a crypto-native startup, a decentralized autonomous organization or the latest memecoin frenzy. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...