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Curated industry news and original merchant playbooks.
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Avant Seeks National Bank Charter to Serve Customers Directly
Fintech lender Avant applies for a national bank charter, aiming to lower costs and streamline its consumer credit offerings.
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Online lending platform files de novo bank charter request
Fintech lender Avant applies for a national bank charter, signaling a push for more stable and cost-effective consumer financing options.
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Nubank appoints Circle's Sarah Wilson chief legal officer
Latin American digital banking giant Nubank hires former Circle executive Sarah Wilson to lead its global legal and compliance efforts.
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home-improvement
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The Weekly Closeout: Bed Bath & Beyond parent plots a credit union and Express goes back to the ‘90s
Bed Bath & Beyond's parent company plans to launch a credit union to offer direct financing and financial services to homeowners.
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Riverty opens bank in Luxembourg
Riverty secures a full banking license in Luxembourg to scale its BNPL and consumer finance products across Europe.
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NYC Touts its Revenue-Based Loan Program
New York City’s Future Fund offers flexible revenue-based loans starting at $25,000 to help small businesses manage seasonal cash flow.
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After securing Colombian banking licence, Revolut applies for another in Switzerland
Revolut secures a banking license in Colombia and eyes Switzerland, signaling a major push into regulated global consumer lending.
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automotive
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Huntington tempers outlook due to higher rates, lower yields
Huntington Bank scales back auto lending projections as high interest rates and stiff competition squeeze profit margins.
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Brazil’s Nubank launches in the US
Latin American fintech giant Nubank enters the U.S. market, signaling new competition in the digital banking and consumer credit space.
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Chase Lets Cardholders Invest Reward Points With JPMorgan
Chase adds a new investment feature to its Ultimate Rewards program, allowing cardholders to flip reward points into brokerage accounts.
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Monzo launches auto-invest cashback card
Monzo’s new metal credit card automatically turns merchant transactions into investment contributions, signaling a shift in consumer reward expectations.
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automotive
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Under new CEO, Truist is exiting near-prime auto lending
Truist Bank exits the near-prime auto loan market, forcing dealers to find new financing partners for credit-challenged car buyers.
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Amex accelerates its encroachment on business banking
American Express expands small business services with new high-yield accounts and AI payroll tools to compete with fintech rivals.
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automotive
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Truist to exit near-prime auto lending, sell $5.5B in loans
Truist exits near-prime auto lending and sells off $5.5B in loans, forcing dealerships to find new financing partners for mid-range credit customers.
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Klarna props up new Apple phones
Klarna moves into high-ticket electronics leasing, offering U.S. consumers new ways to finance $2,000 Apple devices outside of traditional carrier contracts.
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YouLend and Dojo partnership reaches $2bn funding milestone
A major $2 billion funding milestone highlights the growing shift toward getting business capital directly through your payment provider.
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Nubank launches in the U.S. through a sponsor bank
Brazilian fintech giant Nubank enters the U.S. market through Lead Bank, signaling new competition in consumer credit and digital lending.
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Fifth Third is trying to make a bigger bank feel simpler
Fifth Third Bank modernizes its digital infrastructure to simplify consumer lending and improve the point-of-sale experience.
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Upstart: Lending’s oldest truism is not true for us
Upstart’s AI-driven Q2 results suggest a new era where high approval rates and lender profitability can coexist, stabilizing credit access for shoppers.
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Zip explores an EWA play
BNPL provider Zip considers adding Earned Wage Access to its U.S. toolkit, aiming to smooth out consumer spending cycles for merchants.
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Funding Circle CEO Lisa Jacobs to step down
Funding Circle CEO Lisa Jacobs announces her departure by 2027 following the lending platform's return to profitability.
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Splitit joins the Jack Henry Fintech Integration Network
Splitit integrates with Jack Henry to help community banks offer white-label installment payments directly to their customers.
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Chime to buy longtime partner Stride Bank for $590 million
Chime’s $590 million acquisition of Stride Bank turns the fintech giant into a direct lender, paving the way for expanded consumer credit products.
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Huntington's new president looks like its CEO-in-waiting
Huntington Bank signals leadership continuity by promoting consumer banking chief Brant Standridge to President.
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EverBank, WaFd say merger would address each firm's issues
EverBank and WaFd’s merger aims to stabilize funding costs, potentially leading to more consistent consumer lending terms for retail partners.
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Huntington elevates Standridge to president
Huntington Bank promotes Brant Standridge to President, centralizing business and consumer units to accelerate its digital-first retail strategy.
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DNA Payments links up with iwoca
DNA Payments integrates iwoca Flexi Loans, giving merchants direct access to business funding up to £1 million through their payment app.
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home-improvement
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Gatehouse Bank launches refinance products for UK residents with no product or application fees
Gatehouse Bank slashes upfront costs by launching fee-free Shariah-compliant home refinance products for UK residents.
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Revolut wins US charter with limits on four products
Fintech giant Revolut gains a conditional U.S. banking charter, signaling a new era of competition in consumer lending and digital payments.
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Shopline Taps Splitit for Card-Linked Installment Payments
Shopline merchants can now offer seamless, credit card-linked installments through a new partnership with Splitit.
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Fifth Third issues consolidated debt card
Fifth Third's new Truly Simple card offers 0% intro APR and no late fees, helping consumers consolidate debt and increase their shopping budget.
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Citizens targets gap between consumer, commercial banking
Citizens Bank expands its business banking reach, targeting mid-sized merchants with personalized service and better digital tools.
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Affirm and Shopify launch installments payments in Australia
Affirm and Shopify expand their partnership to Australia, bringing seamless BNPL options to local merchants through Shop Pay Installments.
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Affirm and Shopify Take Shop Pay Installments to Australia
Affirm and Shopify expand their exclusive BNPL partnership to Australia, simplifying installment payments for international retailers.
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Channel Elevates Krogen to Head of Sales
Channel promotes Cory Krogen to Head of Sales, signaling a strategic focus on partner retention and equipment finance growth.
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automotive
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Nissan pulls ILC application
Nissan abandons its bid for a specialized bank charter, signaling a retreat from direct competition with traditional financial institutions.
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home-improvement
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Luminate Bank acquires First State Mortgage, 26 originators
Luminate Bank continues its 2025 expansion by acquiring First State Mortgage, signaling a major push in residential lending volume.
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Virginia lender to acquire Forbright’s DC-area branches
Forbright Bank sells its D.C. branch network to focus on expanding its national digital lending and consumer finance platforms.
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Tandem Bank strengthens C-suite
Tandem Bank reshuffles its leadership team to accelerate growth in the sustainable consumer lending market.
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home-improvement
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How Figure turned a lending business into a financial network
Figure hits $1 billion in weekly loan apps, signaling a major shift toward faster, tech-driven home equity financing for your customers.
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Nexo wins approval to launch crypto-backed credit in Australia
Nexo gains regulatory approval in Australia, signaling a shift toward mainstream, crypto-backed consumer credit lines.
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Airwallex partners Affirm for US BNPL roll out
Airwallex integrates Affirm to give global merchants an easy way to offer BNPL to U.S. consumers at checkout.
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Klarna Launches New Membership Tiers With Fee Cuts and Higher Cash-Back Rewards
Klarna revamps its membership tiers to eliminate fees and boost rewards, signaling a shift toward long-term consumer loyalty over one-off transactions.
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Klarna boosts membership perks and removes service fees
Klarna removes service fees and doubles down on cashback rewards to drive higher consumer spend and loyalty for partner merchants.
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Pepper Money announces plans to launch First Charge Mortgages in Scotland
Specialist lender Pepper Money expands into Scotland, providing new financing options for customers with non-traditional financial profiles.
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Creditspring expands access to responsible credit with new FCA credit broking permission
Creditspring gains FCA brokering rights to offer third-party credit, boosting approval chances for customers who don't meet their standard loan criteria.
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Zilch launches new membership tiers
Zilch expands beyond short-term BNPL with new 12-month payment plans and premium membership tiers for shoppers.
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Regions takes new steps to refresh executive leadership team
Regions Financial appoints John Jordan to lead consumer banking, signaling potential shifts in the bank's retail and lending strategies.
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automotive
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SchoolsFirst FCU Debuts Fuel Rewards as Gas Prices Climb
SchoolsFirst FCU launches enhanced credit rewards for gas and EV charging to help members navigate rising transportation costs.
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home-improvement
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Calif. bank in midst of turnaround eyes tear-down projects
California's Gateway Bank hires a specialized residential construction team to fuel growth through new home builds and major renovations.
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Enova CEO Says Better Data, Not AI Hype, Will Decide Who Gets Credit
Enova's CEO explains how better data and bank acquisitions will create more stable credit access for non-prime consumers.
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Shopify: “Capital was a larger driver this quarter”
Shopify reports $1.4 billion in merchant funding for Q2 as it shifts from cash advances to term loans for platform retailers.
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J.P. Morgan Payments Commerce Platform Embeds Klarna for Instant Merchant Access
J.P. Morgan Payments integrates Klarna directly into its platform, giving merchants instant access to BNPL options without technical overhead.
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Chime Converts More Paychecks Into More Products
Chime leverages direct deposits to fuel a 70% surge in instant loans, signaling a shift toward liquidity-based consumer credit.
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Shopify Capital Transitions From MCAs to Loans in Canada
Shopify shifts its Canadian funding model from cash advances to traditional loans following new regional regulations.
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Who loses when Upstart becomes its own lender?
Upstart pivots to become a direct lender, a move that could stabilize loan availability for merchants but changes the platform's risk profile.
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KEO Capital launches in Canada
KEO Capital expands into Canada with a $50M facility to provide digital B2B financing and supply chain solutions for small businesses.
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SoFi: We Think We Can Take Significant SMB Lending Marketshare
SoFi enters the SMB market with $3 billion in lending power, offering retailers a new digital-first alternative for working capital.
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PNC’s wealth unit targets mass-affluent clients with lending option
PNC expands securities-based lending to mass-affluent clients, giving high-end shoppers a new way to tap liquidity for major purchases.
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Apple partners Klarna for new hardware leasing programme
Apple taps Klarna to power its new U.S. hardware leasing program, signaling a major shift toward subscription-style hardware ownership.
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Apple Leasing Program to Replace iPhone Upgrade
Apple shifts from traditional device financing to a hardware leasing model, signaling a new era of subscription-based consumer tech access.
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Happen’s Digital Banking Push Helps Deposits Jump 18%
LendingClub’s deposit growth signals a more stable and well-funded source of consumer financing for retail and service-based merchants.
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Upstart Receives Conditional OCC Approval for Bank Charter
AI-lender Upstart nears final bank charter approval, signaling a shift toward more stable and integrated consumer financing options.
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One bank's pitch to potential depositors: Do well and do good
Climate First Bank launches a mission-driven high-yield account to secure the funding needed for its growing loan portfolio.
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Flex Seeks Bank Charter to Scale Flexible Rent Payments
Rent-splitting fintech Flex applies for a bank charter, signaling that flexible payment models for housing are here to stay.
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Inside Upstart's journey to get a bank charter approval
Upstart's move to secure a bank charter promises more stable funding and consistent credit access for merchants using their AI-driven lending platform.
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home-improvement
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PrimeLending cuts $10M fixed costs as margins squeeze
PrimeLending slashes $10M in costs as the mortgage market remains stagnant, signaling continued financing hurdles for homeowners.
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Bread's credit sales get a boost from installment loans
Bread Financial reports that installment loans are driving credit sales growth, signaling a major consumer shift toward structured point-of-sale financing.
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Samsung unveils first credit card
Samsung’s first credit card offers aggressive rewards on devices, signaling a new era of brand-led consumer financing for electronics.
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Samsung launches Galaxy credit card to rival Apple Card
Samsung enters the U.S. credit market with a Barclays-backed card to challenge Apple's dominance in mobile-first consumer financing.
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Fifth Third Sees Comerica Merger Wins Ahead of Labor Day Conversion
Fifth Third Bank prepares for a Labor Day systems overhaul as it nears the finish line of its Comerica merger.
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Truist culls some consumer loans, cites long-term strategy
Truist Bank exits the marine and RV lending markets, forcing outdoor retailers to find new financing partners for high-ticket consumer purchases.
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Truist’s Rogers: Lyons CEO appointment brings ‘certainty’
Truist stabilizes leadership with a new CEO appointment, signaling a return to operational focus and consistent lending for merchant partners.
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PayPal launches Pay in 30 days for UK shoppers
PayPal expands its UK Buy Now, Pay Later portfolio with a fee-free 30-day payment deferral option for shoppers.
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PayPal Expands UK BNPL Offering Ahead of New Regulations
PayPal launches 'Pay in 30 Days' in the UK, signaling continued growth for BNPL options despite upcoming regulatory shifts.
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Bibby Financial snags €250 million finance facility from HSBC
Bibby Financial Services expands its lending power with a €250M facility from HSBC to boost support for SMEs.
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Axos to buy Arc Technologies
Axos Bank acquires fintech Arc Technologies to boost digital lending capabilities and streamline merchant financing tools.
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The 3-Min Read: Fintechs want to become small businesses’ next employee
SoFi, Square, and Capital One are launching new AI tools and flexible lending programs to automate daily operations for small business owners.
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Klarna applies for ILC charter
The Buy Now, Pay Later giant applies for a U.S. banking license to offer insured accounts and expand its lending power.
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Klarna applies for US banking license
Klarna’s push for a U.S. banking charter signals a shift toward cheaper capital and more diverse credit products for retail partners.
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Starling to axe 130 jobs as part of automation drive
Digital lender Starling Bank cuts 130 roles as it doubles down on automation to drive its next phase of operational efficiency.
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SoFi’s Small Business Loan Product Details
SoFi shifts from marketplace referrals to direct small business lending, offering new capital options for retail and service operators.
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SoFi enters small-business loan market
SoFi launches a small-business loan marketplace, helping entrepreneurs and retailers secure capital through its integrated financial ecosystem.
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SoFi Opens Lending Program for Its Small Business Owner Members
SoFi expands its financial ecosystem with a new lending program specifically designed to provide working capital for small business owners.
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Parafin Has Funded 50,000 Businesses, How Does That Compare?
Parafin secures Goldman Sachs backing after funding 50,000 businesses, signaling a faster, data-driven future for merchant working capital.
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medical
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U.S. Bank Picks Eric Levine for New Healthcare Payments Role
U.S. Bank signals a major push into the medical sector by appointing a new head of healthcare payments and merchant sales.
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Kafene bags $18m to serve the underbanked - FinTech Global
Lease-to-own provider Kafene secures $18M in funding to expand flexible payment options for credit-challenged shoppers.
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Happen Sheds LendingClub Name and Launches Digital Bank
LendingClub rebrands as Happen Bank, signaling a shift toward full-service digital banking and diversified consumer financing options.
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Katapult Appoints Nancy Walsh as CFO - citybiz
Katapult taps retail veteran Nancy Walsh as CFO, signaling a strategic focus on merchant-aligned growth for the lease-to-own provider.
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medical
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PatientFi Expands Partnership With LaserAway - American Spa
LaserAway expands its use of PatientFi to make premium aesthetic treatments more affordable through integrated patient financing.
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home-improvement
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PowerPay secures $60m in corporate bond funding to accelerate FinTech growth - FinTech Global
PowerPay injects $60 million into its platform, reinforcing its ability to fund large-scale home improvement projects and medical procedures.
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automotive
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DigniFi and Dealer Pay, LLC Join Forces to Transform Dealership Consumer Financing and Modern Payment Solutions - Business Wire
DigniFi and Dealer Pay integrate financing into dealership point-of-sale systems to speed up approvals and boost service department sales.
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FinTech Leader DigniFi Bolsters Its C-Suite, Appointing Mariana Coontz as Chief Financial Officer and Kristy Nordmann as Chief People Officer - Business Wire
DigniFi strengthens its leadership team with new CFO and CPO appointments, signaling growth and stability for automotive repair financing.
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home-improvement
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Fortiva gives consumers a ‘second look’ - Floor Covering Weekly
Fortiva Retail Credit offers second-look financing solutions to help home improvement retailers approve more customers and increase transaction volume.
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Kafene said to raise $14m to offer flexible payments and protect customers from debt - FinTech Global
Lease-to-own provider Kafene secures $14M to expand flexible payment options for credit-challenged consumers at the point of sale.
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home-improvement
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LendingClub Tests Home Improvement Loans As New Earnings Growth Lever - Yahoo Finance
Digital banking giant LendingClub enters the home improvement market, targeting high-ticket residential projects with new financing products.
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Here's Why Katapult Holdings Stock Is Skyrocketing Today - The Motley Fool
Katapult’s strong earnings signal a comeback for lease-to-own, offering retailers a reliable way to capture non-prime consumer spending.
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Milestone Capital Partners Issues $11.5 Million of Corporate Notes
Milestone Capital Partners secures $11.5M in funding to boost loan originations and support platform growth for merchants.
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Chetwood Bank launches wholesale banking division
Chetwood Bank's new wholesale division ready to pump liquidity into the lending ecosystem, supporting point-of-sale finance providers.
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BBVA issues first credit card in Germany
BBVA enters the German market with a digital-first Mastercard, signaling increased competition and new credit options for European consumers.