RTP Network Sets Records After Consumer Cash Flow Demand Rises
The business case for adopting real-time payments in enterprise settings is compelling. Instant settlement drives efficiency in processes long built around paper checks, while also giving organizations unprecedented control over liquidity and cash flow. The liquidity advantage is also fueling growth on the consumer side. The Clearing House recently reported that its RTP Network reported […]
Gen Z and Millennials Are Business Owners: Are Banks Ready?
From streaming platforms that learn your favorite shows to social apps that adapt to your moods, today’s users don’t just want options—they expect flexibility. If something doesn’t work, they switch, tweak, or move on. This mindset is especially true for Gen Z and millennial consumers, digital natives who have grown up navigating a world designed […]
More States Are Tightening Their Gift Card Regulations
More states are cracking down on gift card scams. In 2025 alone, 22 states have introduced legislation targeting gift card fraud—up from just eight in 2024. While most proposals focus on enhancing criminal penalties, many also place new responsibilities on merchants that sell prepaid cards. Over the past five years, six states have enacted merchant-specific […]
Apple Pay Could Have a Bigger Footprint in India Than Expected
PhonePE and Google Pay hold dominant shares of India’s digital wallet market, where most transactions run on the Unified Payments Interface (UPI) real-time payments rail. While Apple Pay would enter an already crowded ecosystem, early signals suggest the tech giant’s wallet could have a larger impact than initially expected. When Apple announced plans roughly a […]
Why Banks Should Follow Fintechs’ Lead on Developer Portals
Fintechs didn’t just build better products over the past decade, they built better ways for developers to access them. Developer portals became a key growth lever, helping fintechs scale faster and attract top talent. Today, as banks modernize legacy systems and adopting next-generation payment technologies, they’re racing to catch up. And with real-time payments, programmable […]
Fast Installment Loans Growth: Card Managers Beware
All indications are that 2026 credit card growth is upward, healthy, and under control, but watch out for rapid growth in unsecured installment loans. The good news is that these loans transfer high-risk credit card receivables to installment lenders. The bad news is that the growth is a subtle indicator of stress in household budgets. […]
Meta Seeks Third-Party Firm for Stablecoin and Wallet Ambitions
TikTok Shop has been at the forefront of the social commerce surge, where influencers’ live streams and product videos link directly to checkout. As a result, social platforms have become one of the fast-growing segments in e-commerce. A key driver of this growth is frictionless payments. Platforms that let users buy directly see higher engagement […]
What Stripe’s Reported Interest in PayPal Could Mean
Amid reports that Stripe is considering an acquisition of some or all of PayPal, a broader question emerges: Is the once-dominant payments giant worth more in pieces than as a unified company? Competition has been steadily eroding PayPal’s position for years. Zelle has surpassed Venmo in payment volume, while tech giants such as Apple and […]
Not Just Another Bank: How Credit Unions Can Reach Younger Members
Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the kind of guidance credit unions excel at providing, they often perceive credit unions as just another bank. In […]
New York’s BNPL Rules Would Limit Fees Providers Can Charge
New York is stepping up to protect consumers in the rapidly growing buy now, pay later market. The state has proposed new rules aimed at preventing surprising fees, ensuring clear loan terms, and giving borrowers the rights to dispute charges and get refunds that credit card users already enjoy—safeguards that were lost last year when […]