Ant International Logged Over 2 Billion Cross-Border Payments Last Year
In many of the world’s fastest-growing economies, small- to medium-sized businesses (SMBs) rely on efficient cross-border payment solutions to thrive. While numerous options exist, Ant International’s platform is seeing significant growth. The global payments giant supported more than 2 billion cross-border transactions in 2025, many originating from rapidly expanding markets like Southeast Asia, South Asia, […]
Klarna Wades into a Crowded European P2P Market
Buy now, pay later pioneer Klarna has launched peer-to-peer payments in 13 European countries, expanding its services as it moves closer to becoming a full-service digital bank. In a market already crowded with P2P apps, Klarna’s millions of existing users could give it a competitive edge. For now, Klarna users can only send money to […]
Present and Accounted For: Digital Gift Cards in Incentive Programs
In the post-COVID era of remote work, organizations often struggle to find meaningful ways to recognize their top performers. In-person celebrations are not always possible, and traditional physical gifts can sometimes feel impersonal or difficult to deliver effectively. In this context, digital gifting platforms have risen dramatically as a powerful tool to celebrate achievements, boost […]
Experian Raises Concerns Over Emerging Agentic Commerce Fraud
Artificial intelligence is helping shoppers find items and compare prices, but it also introduces new risks. According to Experian, the top fraud threat this year is AI agents and their potential to disrupt the evolving retail landscape. In the past, merchants and financial institutions relied on blanket defenses to identify and neutralize any activity originating […]
Massachusetts Bill May Pass Credit Card Surcharges to Consumers
Massachusetts, one of the few states where it is still illegal for businesses to surcharge customers for credit card payments, is considering new legislation that would reverse that policy. The proposal is the latest development in a broader pushback against rising credit card fees. The Massachusetts bill, which passed out of committee last week, would […]
Faster Payments Demand Faster Fraud Detection
The rise of artificial intelligence is coinciding with a shift toward instant payments that are increasingly difficult to stop once fraud occurs. Real-time payments put a stopwatch on fraud prevention, leaving businesses with only moments to detect and respond to suspicious activity. Striking the right balance between frictionless customer experiences and strong controls is becoming […]
Greece Ups Transaction Limits on IRIS Real-Time Payments System
Instant payments have gained rapid traction in Greece, and regulators are now moving to both increase the transaction limits and integrate the domestic IRIS payments system with other platforms across the European Union. Under the new rules, consumers, freelancers, and sole proprietors will be able to transfer up to 1,000 euros (roughly $1,167) per day […]
Google’s Agentic AI Ambitions Face a Steep Climb
Does Google have what it takes to become the dominant player in agentic AI? Its Universal Commerce Protocol (UCP), unveiled at the National Retail Federation’s annual show, is an ambitious initiative designed to let AI agents manage the entire shopping journey—from discovery through checkout. Still, the effort may face an uphill battle in gaining acceptance […]
10% Credit Cards: A Roadmap for Issuers
When the president announced the following statement on credit card price controls, credit policy managers must take note and prepare for market disruption. Javelin commented on this topic in September 2024, when candidate Trump raised the 10% rate cap during his presidential campaign. (See: Market-Drive, Risk-Based Credit Card Price Controls Would Disrupt Borrowing and Lending). In […]
Defying Expectations: How a Metal Credit Card Found Its Market
India has become a nation known for financial innovation, with the widespread adoption of the UPI payment system and new approaches to lending and insurance that have helped democratize personal finance. But one area that has lagged behind is the credit card sector. Today, there are roughly 50 million credit card holders in India—seemingly a […]