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Curated industry news and original merchant playbooks.
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Banks Put AI Agents Through Performance Reviews
Banks are deploying AI agents to handle complex financial tasks, promising faster dispute resolution and 24/7 support for merchants.
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Automation and AI Move Deeper Into Payment Exceptions
New AI tools are automating the manual work of fixing failed payments and reconciling records, cutting back-office costs for merchants.
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How agentic payments present risk
Autonomous AI payments are coming, but a lack of clear liability rules could leave retailers and lenders holding the bag for 'rogue' bot transactions.
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CaixaBank expands Google Cloud collaboration
CaixaBank partners with Google Cloud to integrate Generative AI and enhance data-driven credit decisions for consumer financing.
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Mastercard rolls out trust and intelligence services for agentic commerce
Mastercard expands its Agent Pay program to secure the rising trend of AI-driven automated shopping and payments.
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Pa. credit union to offer Google Gemini-based bot to members
A Pennsylvania credit union is deploying Google’s Gemini AI to help consumers track cash flow and manage spending in real-time.
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Inside Navy Federal's fight against military payment scammers
Navy Federal adopts real-time AI to combat fraud as instant payment processing becomes the new industry standard.
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Nivo launches AI assistant for lending
New AI-powered tool 'Lender Collect' automates loan coordination to speed up customer financing approvals and reduce manual paperwork.
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59% of Firms With AI Fraud Defenses Stop Losses Before They Start
New research shows multi-layered AI tools help merchants block 90% of payment fraud before financial losses occur.
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Interoperability and payments' last mile problem
Swift's focus on payment interoperability promises faster settlements and less friction for merchants offering digital financing.
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How AI will impact payments
AI is moving beyond the hype to deliver real-time fraud prevention and smarter checkout experiences for modern retailers.
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Real-time payments: where they're headed next
Real-time payment systems are evolving to offer merchants faster settlement times and lower fees than traditional credit card networks.
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AI and humans together
Bank of America's payments chief explains why the future of financing requires a balance between AI automation and human expertise.
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Anyflo emerges from stealth to simplify stablecoin payments for enterprises
Anyflo launches stablecoin payment tools and acquires a lending platform to bridge the gap between digital assets and enterprise finance.
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Supply-Chain Data Moves Into SMB Underwriting
New underwriting models use real-time inventory and shipping data to provide retailers with faster, more accurate access to working capital.
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Samsung gives its payment app a stablecoin-friendly tweak
Samsung’s move to support dollar-pegged stablecoins could signal a shift toward faster, lower-cost digital payments for global retailers.
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Mastercard to enable offline payments across Europe
Mastercard's 2027 mandate will require all European terminals to process payments offline, eliminating downtime risks for merchants.
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Combatting the Rise of AI-Driven Financial Crime in Banking
Retailers must prepare for sophisticated AI-driven fraud as criminals use deepfakes to target consumer credit and financing applications.
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TrueLayer raises $27m to scale Pay by Bank
TrueLayer secures $27M to expand open banking payments, offering merchants a cheaper alternative to traditional credit card networks.
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N26 expands Flexible Cash Fund access to all membership tiers
N26 opens its interest-bearing Flexible Cash Fund to all users, increasing liquidity and financial flexibility for digital banking customers.
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Finance leaders fight deepfakes
AI-powered deepfakes are creating new risks for merchant financing and identity verification, forcing a shift toward advanced biometric security.
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Facephi strengthens global presence through partnership with credit bureau Crif
Facephi and CRIF partner to combine biometric identity verification with credit reporting for faster, more secure consumer lending.
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Amex advises businesses on AI
American Express urges merchants to prepare for AI-driven comparison shopping that prioritizes transparent pricing and financing terms.
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Unlimit and Gr4vy Partners collaborate on payments
Gr4vy and Unlimit partner to streamline global checkout experiences and local payment method integration for enterprise retailers.
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Banks have moved past whether to modernize. Now they want outcomes.
Lenders are moving toward faster, lower-risk technology upgrades to improve loan delivery and customer approval speeds.
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Wired to Win: Outtakes from Tearsheet’s AI Innovation Awards
AI is transforming consumer lending from background fraud checks to real-time credit reasoning and automated customer dispute resolution.
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AML vendor Armalytix appoints legal and compliance head
Armalytix hires a new legal head to streamline compliance and affordability checks for the property and lending sectors.
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Backbase puts agentic AI in customers' hands
Backbase launches agentic AI tools that automate the banking and lending journey, promising a smoother financing experience for retail customers.
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Scams Move From the Inbox to the Text Screen
Scammers are increasingly using text messages to bypass bank security, threatening customer loyalty and payment security for digital retailers.
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North Dakota Lenders Report Faster Settlement With State Bank’s Stablecoin
North Dakota’s new 'Roughrider Coin' pilot proves that stablecoins can deliver near-instant payment settlement for local lenders and merchants.
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JPMorganChase: Agents will change the whole commerce stack
JPMorgan Chase warns that AI agents are set to take over the shopping process, requiring a total overhaul of how retailers offer credit and payments.
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Who should drive a bank's AI adoption
Lenders are shifting AI strategy from IT labs to the boardroom, promising faster approvals and more intuitive financing tools for retail merchants.
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U.S. Bank Debuts Service to Help Clients Spot Identity Threats
U.S. Bank's new Project 360 tool helps customers secure their credit profiles, potentially reducing fraud risks for retail financing programs.
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OCC launches new fraud tool for community banks
New federal fraud reporting tools for community banks may lead to stricter identity verification for your store's consumer financing applications.
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AI systems most at risk of cybersecurity attacks, PwC report shows
New data shows AI systems are the top cybersecurity weak point, posing new risks for automated credit approvals and customer data safety.
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SAP expands into payments
Enterprise software giant SAP launches new embedded payment services to automate transactions and support digital stablecoins.
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TikTok to add AI-powered discovery and one-click checkout
TikTok integrates AI shopping assistants and frictionless one-click payments to transform social discovery into instant conversions.
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Sumsub launches reusable KYC gateway
New reusable identity verification technology aims to eliminate repetitive paperwork and speed up customer approvals for digital financing.
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Liberty France goes live with Lendscape platform
Liberty Finance migrates to a cloud-based AI platform to speed up credit decisions and streamline alternative financing.
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The elder statesman of trust charters makes its move
Anchorage Digital's acquisition of Routable aims to streamline business payouts by linking stablecoin settlement with traditional distribution networks.
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Noah raises $38m for stablecoin payments platform
Noah secures $38M to help merchants accept stablecoins with lower fees and faster settlements than traditional credit cards.
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AI Agents Turn Permission Into Payments’ New Control Point
AI assistants are starting to handle transactions, shifting the focus from human clicks to machine-level payment permissions.
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Meta and Sierra Build Standard for How Personal Agents Interact With Businesses
A new industry standard led by Meta and Shopify will allow AI agents to handle customer transactions and financing queries automatically.
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Beware the AI sycophant and 'cognitive surrender'
New research warns that over-reliance on AI in financial decision-making can lead to poor judgment and a loss of critical oversight for business operators.
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JPMorgan Chase extends lead as world's most AI-advanced bank
JPMorgan Chase widens its lead in AI technology, signaling a future of faster, data-driven consumer financing and automated risk assessment.
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CarMax Lets AI Take the Call, Not the Sale
CarMax scales AI voice agents to every store, freeing up sales associates to focus on high-intent buyers and financing discussions.
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AI-linked hacks hit Korean banks through loan-agent sites
Hackers are using AI to target loan-agent portals, signaling a shift toward attacking the 'weak links' in the consumer financing chain.
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American Bankers Association invests in BankTech Ventures fund
The American Bankers Association is backing a new venture fund to bring cutting-edge fintech tools to local community lenders.
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Plaid launches credit, fraud and payment risk AI models
Plaid’s new AI tools aim to boost loan approval rates and slash fraud for merchants using open-banking financing solutions.
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JPMorgan CEO Warns AI Risks Jumped Tenfold After Mythos
JPMorgan CEO Jamie Dimon warns that AI-driven cyber threats have surged 1000%, putting consumer data and financial platforms at high risk.
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The Fed and PYMNTS Intelligence Agree: Stablecoins Have a Demand Problem
New Federal Reserve data suggests stablecoins are failing to become a mainstream retail payment method despite improved regulation.
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How Meta's Muse aids Intuit's push into small business banking
Intuit integrates Meta's Muse AI to help small businesses access financing and payment tools faster through proactive, data-driven suggestions.
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Rain applies to establish national trust bank
Stablecoin infrastructure firm Rain seeks a national bank charter, potentially streamlining how retailers accept and settle digital payments.
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Rain Seeks OCC’s Approval to Create National Trust Bank
Rain applies for a national bank charter, signaling a push to bring regulated stablecoin payments to the mainstream retail market.
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Rain, Modern Treasury seek OCC trust charters
Fintech providers Rain and Modern Treasury seek federal trust charters, a move that could streamline payment processing and BNPL stability for merchants.
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Call Federal Credit Union goes live with Mahalo platform
Call Federal Credit Union modernizes its digital banking platform, promising a more seamless and secure experience for member financing.
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Lumin Digital launches behavioural intelligence tool
Lumin Digital's new behavioral tool helps banks identify where customers get stuck during digital banking and financing workflows.
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Experian launches Cashflow Data Bureau
Experian’s new cashflow bureau uses real-time bank data to help lenders approve more customers who may have been declined under traditional credit models.
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JPMorganChase still tops AI ranking as big-bank lead widens
Big banks like Capital One are pulling ahead in AI, signaling a future of faster approvals and smarter underwriting for consumer financing.
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Eighty Percent of Bluevine’s Customer Service Inquiries Are Resolved By AI Agents
Bluevine reveals 80% of support tickets are now resolved by AI, signaling a new era of automated, software-heavy merchant financing.
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Mollie strengthens Pay by Bank
Mollie updates its Pay by Bank feature to streamline direct-from-bank payments and lower transaction costs for merchants.
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Fintechs press for Fed access
Fintech leaders urge the Federal Reserve to grant direct payment access, potentially lowering costs and increasing speed for merchant transactions.
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Payment cadence over crypto jargon: Frequency wins loyalty
New research suggests that payment speed and frequency, rather than high-tech jargon, are the primary drivers of modern consumer loyalty.
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DNB to lay off 400 and expand use of AI agents
Norway’s DNB cuts 400 tech roles to double down on AI agents, signaling a shift toward fully automated lending workflows.
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Banks prioritize responsible AI, governance as use soars
Leading lenders are doubling down on AI governance, promising smarter and more transparent consumer credit decisions for retail partners.
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Will Holiday Shopping Go Agentic? 40 Senior Execs Weigh In
AI agents are starting to handle the 'buy' button, making frictionless financing and instant approvals critical for holiday conversion.
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Billers Overlook What Drives Customers Away
New research shows that clunky billing processes are a major hidden driver of customer churn for service providers and retailers.
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TikTok Kicks Off Agentic Commerce Push With AI Shopping Assistant
TikTok launches native checkout and AI assistants to turn social scrolling into instant, frictionless sales for retailers.
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AI Agents Knock. Retailers Decide How Wide to Open the Door.
Retailers are grappling with AI agents that can shop and pay, forcing a rethink of the digital checkout and financing experience.
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Modern Treasury applies to establish national bank trust
Payment infrastructure provider Modern Treasury applies for a national bank charter, signaling more stable and direct money movement for merchants.
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Modern Treasury Moves to Open National Trust Bank
Payment infrastructure firm Modern Treasury seeks a national bank charter, promising faster and more reliable money movement for merchants.
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Stripe to Extend Stablecoin Cards to 100 Countries by Year End
Stripe scales stablecoin payments to 100 countries, promising faster and cheaper global transactions for retail merchants.
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Hatch Celebrates Milestone, Expands Offerings
Hatch expands its AI communication platform, offering remodelers new ways to automate lead follow-up and financing conversations.
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Can Banks Adapt to a New Age of Agentic Commerce and Tokenized Money?
AI-driven shopping and tokenized digital currency are set to automate consumer financing and speed up merchant settlements.
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Toast adds fuel payments
Toast expands into the fuel industry, allowing convenience store operators to manage pump payments and food service on a single platform.
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Why Fiserv pivoted on FIUSD
Fiserv halts plans for its own digital stablecoin, refocusing on traditional payment rails and merchant infrastructure.
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Why Fiserv pivoted on FIUSD
Fiserv shifts focus from launching its own stablecoin to building the infrastructure for instant merchant settlements using existing digital dollars.
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Trulioo strengthens identity verification for Fiserv clients
Fiserv integrates Trulioo’s identity verification tools to help merchants streamline customer onboarding and reduce fraud risk.
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Toast, Square jockey on POS discounts
Major POS providers are slashing hardware prices to lure merchants, offering a prime opportunity to upgrade your checkout technology.
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TrueLayer and SumUp partner to simplify account top-ups
SumUp integrates TrueLayer’s Open Banking technology to enable instant, card-free account funding for consumers.
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APAC consumers show appetite for stablecoin
New Visa research indicates that nearly half of consumers are ready to embrace stablecoins as a mainstream payment and financing tool.
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CaixaBank establishes new AI and data division
CaixaBank launches a dedicated AI division to accelerate digital transformation and personalize consumer financial products.
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Building beyond software with embedded financial products
Software platforms are integrating lending and cards to simplify business financing and eliminate traditional banking friction for operators.
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Going Global Exposes Payments’ Weak Spots
Global expansion requires a flexible payment stack to handle local financing preferences and avoid high technical debt.
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AI Agents Get to Work in Retail
AI agents are starting to handle shopping tasks, making real-time data and integrated financing critical for retail visibility.
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Shoppers Want Technology to Do the Deal Hunting
New PYMNTS data shows a $90 billion opportunity for merchants who automate consumer financing and discount offers at the point of sale.
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Community finance and open banking technology can support ‘credit invisibles’ – Salad Finance
New open banking tools allow lenders to approve more customers by looking at real-time cash flow instead of just traditional credit scores.
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EMVCo Framework Targets Consumer Intent in Agentic Payments
EMVCo is building the technical bridge to let AI bots securely shop and pay for customers while reducing merchant fraud risk.
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The Clearing House plots next gen settlement for on-chain network
The Clearing House is developing a tokenized deposit network to enable instant, 'atomic' settlement for bank transactions by 2027.
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Bank AI Job Postings Jump 49% as Agents Go to Work
Big banks are ramping up AI hiring by 49%, signaling a shift toward automated credit decisions and faster financing workflows for merchants.
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Lloyds survey reveals 71% of UK FIs believe tokenisation will reshape financial services
A new Lloyds survey shows that a vast majority of financial leaders expect tokenization to transform the movement of money and assets.
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Mosaic Processing asks software platforms to examine payment costs
Mosaic Processing challenges software platforms to lower costs and improve transparency in integrated payment systems for merchants.
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AI Could End Finance’s Point-and-Click Era
AI is set to replace manual dashboards with autonomous systems, streamlining how merchants manage credit, payments, and customer financing.
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Fiserv Digital Asset Platform Goes Live With Bank of North Dakota Stablecoin
Fiserv launches a digital asset platform with a North Dakota stablecoin, signaling a shift toward faster, blockchain-based payment settlement.
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Barclays ramps up use of Anthropic's Claude
Barclays scales its use of Anthropic's Claude AI to modernize legacy systems and accelerate software delivery across its global lending operations.
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Australia's WeMoney launches AI and open banking-powered lending assessment service
WeMoney’s new AI tool uses open banking to provide instant, data-driven loan approvals, paving the way for smoother consumer financing.
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Monarch acquires HMBradley
Monarch’s acquisition of HMBradley signals a move toward more integrated personal finance tools that could change how consumers plan major purchases.
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The Alphabet Soup of Agentic Standards: A Vocab Playbook for Merchants and PSPs
AI agents are starting to handle the shopping and payment process, requiring merchants to make their financing options machine-readable.
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Cars24 Turns Test Drive Chatter Into a 35% Sales Lift
Cars24 uses AI to analyze test-drive conversations, helping dealers overcome financing objections and boost sales by 35%.
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Fiserv, FiCare clash over passcodes in card-freeze fight
A legal dispute over card-freeze bypasses warns retailers to verify their payment processor's security settings and authentication protocols.