A credit file doesn’t capture every signal lenders can use to judge whether a borrower will repay. Roughly 25 million U.S. adults lack enough recent credit activity to generate a usable score, the Consumer Financial Protection Bureau (CFPB) noted last year, as PYMNTS reported. PYMNTS...
Two U.S. Senators are opposing OppFi’s attempt to acquire a national bank. Democrats Chris Van Hollen of Maryland and Elizabeth Warren of Massachusetts wrote to the company last week to voice their opposition, arguing that OppFi’s business model is based on “predatory lending practices,” such...
Merchant lending has traditionally been built around the sales a platform can see. Multichannel commerce is widening that view. A small- to medium-sized business (SMB) might collect orders through its own website, Amazon, Walmart, TikTok and other marketplaces while using the same inventory and staff...
Embedded payments infrastructure company NMI is expanding its NMI Business Capital service to help more merchants access financing, according to a Wednesday (Sept. 23) press release. “The expansion reflects NMI’s focus on helping small businesses get the funding they need to be successful,” the release...
October 06, 2026
A credit file doesn’t capture every signal lenders can use to judge whether a borrower will repay. Roughly 25 million U.S. adults lack enough recent credit activity to generate a usable score, the Consumer Financial Protection Bureau (CFPB) noted last year, as PYMNTS reported. PYMNTS Intelligence separately found that 35% of subprime consumers have neither […]
August 27, 2026
Earnings season is showing that bank modernization demand is landing in faster payments, cloud and digital banking, and artificial intelligence tools aimed at credit, fraud and other defined operating workflows....
August 24, 2026
Watch more: Monday Conversation With WorkWhile’s Simon Khalaf For a worker paid by the shift, $200 arriving tomorrow can outweigh an annual income figure that looks healthy on paper. That’s...
August 10, 2026
Watch more: Monday Conversation With Method’s Jose Bethancourt A lender underwrites a borrower on the strength of a financial picture that starts aging the moment the loan closes. It’s then...
October 06, 2026
Experian has launched a new consumer reporting agency that helps financial institutions leverage consumer-permissioned cash flow insights to support underwriting decisions, the company said in a Tuesday (Oct. 6) press release. The Experian Cashflow Data Bureau operates under the Fair Credit Reporting Act (FCRA) and builds on Experian’s experience in credit, consumer reporting and analytics, […]
October 05, 2026
Two U.S. Senators are opposing OppFi’s attempt to acquire a national bank. Democrats Chris Van Hollen of Maryland and Elizabeth Warren of Massachusetts wrote to the company last week to...
September 23, 2026
Embedded payments infrastructure company NMI is expanding its NMI Business Capital service to help more merchants access financing, according to a Wednesday (Sept. 23) press release. “The expansion reflects NMI’s...
September 17, 2026
Experian has added a new feature to its Experian Marketplace that is designed to help lenders complete more verification and affordability checks earlier in the underwriting process for loans and...
