Financial Health Tools Spur Digital Banking Adoption
It’s no surprise that digital banking has surged, as more consumers manage their lives through mobile devices. What is surprising, however, is how widely adopted the most popular services have become. Beyond features like peer-to-peer (P2P) payments, many digital banking users are also engaging with tools like fraud alerts and credit score monitoring. According to […]
In What Scenarios Has Pay-by-Bank Been Used?
Pay-by-Bank is gaining traction as a fast, secure, and cost-effective alternative to traditional payment methods. By enabling direct transfers from a consumer’s bank account without relying on cards or third-party wallets, this method offers clear advantages for both merchants and customers. But where does it actually fit into real-world commerce? Don’t miss another episode of […]
France’s Société Générale Launches USD Stablecoin
After its euro-backed stablecoin failed to gain traction, Société Générale is launching a stablecoin pegged to the U.S. dollar. The Paris-based bank’s EUR CoinVertible (EURCV) was a milestone offering because it marked the first time a regulated bank issued a euro-backed stablecoin. Though the stablecoin was launched two years ago and is compliant with the […]
How FIs Are Cutting Through Subscription Clutter with PFM Tools
Consumers are inundated with accounts, apps, and subscriptions—often to the point where they lose track of what they’ve signed up for. This can be costly for consumers, but it also prevents financial institutions from gaining a clear view of a customer’s overall financial picture, limiting their ability to offer tailored services. In a recent PaymentsJournal […]
Walmart’s Credit Card Business Lands at OnePay, Synchrony
As Walmart turns back to Synchrony to issue its store-branded cards, the biggest winner may be OnePay, the Walmart-launched fintech. OnePay will partner with Synchrony on the new offering, expanding its portfolio—currently comprising debit cards, savings accounts, installment loans, a digital wallet, and peer-to-peer payments—to include credit cards. Starting this fall, OnePay will offer both […]
Nvidia Gives UK Banks a Sandbox for AI Innovation
Financial institutions are highly regulated to protect both customers and the organizations themselves, but this often hinders their ability to adopt new technologies like artificial intelligence. To address this, Nvidia is building a platform for the UK’s Financial Conduct Authority (FCA) called the Supercharged Sandbox, which will allow UK banks to experiment with AI without […]
Stranger Danger: Protecting Your Children from Identity Theft
Although child identity theft has received increasing attention in recent years, most parents don’t discover it—let alone take action—until after experiencing a financial loss. Among families who reported a financial loss due to identity theft, roughly 96% did not have their children included in a family protection plan until after the breach had occurred. For […]
Too Many Businesses Assume They’ve Beaten Identity Fraud
Are businesses too confident in their ability to fight identity fraud? Recent data suggests they might be. While many European businesses believe they’re effectively addressing the issue, many don’t consistently track its impact. According to The Battle in the Dark 2025 survey by Signicat and Red Goat Cyber Security, only 5% of respondents expressed a […]
AI Can Uncover Novel Fraud, Even in Real-Time Payments
One of the main apprehensions with faster payments is the potential for faster fraud, but artificial intelligence could help mitigate these concerns. A study from the Bank for International Settlements (BIS) and the Bank of England gauged AI’s ability to detect the sophisticated fraud activity perpetrated by cybercriminals. The experiments were conducted in a simulation […]
The Agentic Advent: How the Next Iteration of AI is Shaping Commerce
Although generative artificial intelligence has powerful proficiencies, its limitations have become more apparent as the technology is deployed at scale. Now, however, Visa and Mastercard have unveiled platforms aimed at giving AI an even more prominent role—AI agents will soon be able to shop and make purchases with minimal consumer input. In a recent PaymentsJournal […]