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Curated industry news and original merchant playbooks.
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Neon Commerce raises $13m to scale direct-to-consumer commerce for Game publishers
Neon Commerce secures $13M to help game publishers boost margins and loyalty through direct-to-consumer payment infrastructure.
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MoonPay adds Discover network support
MoonPay expands payment options by integrating the Discover Network, signaling broader acceptance of traditional credit in the digital asset space.
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Segpay appoints Tom John CTO
Segpay hires Tom John as CTO to lead high-growth technology initiatives and enhance its global digital payment platform.
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Early Warning loses bid to toss NY Zelle fraud suit
New York judge greenlights lawsuit against Zelle over billion-dollar fraud claims, signaling tougher rules for digital payment providers.
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Report: Fed examiners were 'untimely' in closing supervisory findings
Federal Reserve delays in clearing bank compliance records may hinder your lenders' ability to expand credit and launch new merchant tools.
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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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House Approves Relaxed Regulations for Community Banks
New House bill eases rules for community banks, potentially opening up more local financing options for retailers and their customers.
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CFPB pick Johnson eludes Democrats in confirmation hearing
CFPB leadership nominee Brian Johnson signals potential regulatory shifts that could impact consumer credit oversight and merchant financing rules.
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Judge rejects Zelle bid to dismiss lawsuit over fraud losses
A landmark lawsuit against Zelle proceeds, signaling a shift toward stricter fraud protections and liability for instant P2P payment platforms.
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Turnstile extends Quote-to-Cash platform to AI agents
Turnstile’s new AI integration allows digital agents to manage the entire sales and billing cycle, reducing manual entry for busy operators.
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Intuit Credit Karma wants to answer the question every PFM app avoids
Credit Karma’s new AI tools proactively guide consumer spending and debt management, changing how shoppers evaluate their purchasing power.
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What's Exciting in Payments Today?
Mastercard executive outlines how AI 'agents' and digital trust will redefine the merchant-consumer relationship and the future of payments.
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FinregE proposes five pillars for navigating the UK AI adoption plan
New regulatory pillars for AI adoption in UK finance signal stricter transparency rules for consumer lending and credit scoring.
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Experian accelerates AI-first experiences with ServiceNow
Experian scales up its AI capabilities with ServiceNow, promising faster data processing and more efficient credit decisioning for the lending ecosystem.
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Bad Financial Data Is AI’s Biggest Liability
AI-driven financing offers risk more than reward if your payment data isn't clean, organized, and reliable.
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Retail Stores Are Becoming Financial Destinations
Modern retail success now depends on the financial tools you offer customers before they even reach the checkout counter.
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The Future of Finance Depends on Better Workflows, Not Better AI
Stop chasing AI hypetrains; focus on fixing your financing workflows and data integration to see real bottom-line results.
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Why Digital Wallets Matter More Than Crypto for Credit Unions
Digital wallets are outperforming crypto in consumer demand, signaling a need for retailers to prioritize mobile-first financing and payment integrations.
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40% of Digital Bank Users Choose Mobile Wallets Over Plastic
Digital bank users are ditching plastic for mobile wallets, forcing a shift in how retailers must handle payments and financing at checkout.
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Stripe Harnesses AI Billing Deals to Diversify Payments Empire
Stripe expands AI-driven billing tools, signaling a shift toward more flexible, consumption-based payment models for merchants.
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Bank of America embeds generative AI into customer service tools
Bank of America deploys generative AI to 18,000 service reps to speed up customer support and data retrieval.
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Dorsey’s Block Turns AI Agents Into Real Employees
Jack Dorsey’s Block integrates AI agents into core operations, signaling a faster, automated future for merchant financing providers.
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Banks see $68 billion in scam losses Washington misses
A $68 billion fraud gap is forcing banks and payment apps to tighten security, potentially impacting merchant checkout friction and costs.
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Nubank Strikes Bank Deal to Secure Brazilian License
Nubank’s acquisition of a banking license signals more robust and competitive credit options for South American retail markets.
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House Report Finds 1,800% Increase in Fraud Losses Since 1997
New House report warns of a record $15.9 billion in fraud losses, signaling a tougher landscape for consumer credit verification.
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Three ways banks can defend themselves against the fintech charter boom
A historic wave of new bank charter applications from fintechs is reshuffling the landscape for consumer financing and sponsor-led lending models.
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JPMorgan owns AI answers. Here's how rivals can compete
New research shows JPMorgan dominates AI search results, forcing smaller financing providers to rethink their digital discovery strategies.
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Nubank to acquire Banco Porto Real de Investimentos, strengthen Brazil operation
Nubank’s latest acquisition moves the digital lender toward a full banking license, promising more robust credit options for millions of Brazilian consumers.
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Intuit launches business credit card that syncs natively with QuickBooks
Intuit’s new Business Credit Card bridges the gap between spending and accounting with native QuickBooks integration and 2% cash back.
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Juspay integrates with Recurly to enable faster go-to-market for subscription businesses
Subscription merchants can now scale faster and reduce checkout friction through a new payment orchestration partnership.
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Bank deregulatory bill passes House, goes to Senate
House-passed banking bill could ease credit restrictions and lower costs for merchant financing programs if it clears the Senate.
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Three conversations show how the industry is starting to think differently about where value comes from
Leading lenders are prioritizing AI-driven automation over product features to remove friction from the merchant's point of sale.
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Anthropic to support AI tests in FCA's Supercharged Sandbox
Anthropic joins the FCA's sandbox to help financial firms test AI tools, signaling a shift toward faster, tech-driven regulatory approvals for lenders.
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Monterro acquires majority stake in Mors Software
Monterro’s acquisition of MORS Software signals a tech upgrade for the back-office systems that keep consumer credit markets stable.
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FinScan integrates with LSEG's World-Check On Demand
FinScan’s new integration with World-Check automates AML screening to speed up customer financing approvals and reduce compliance risks.
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Bank of America Tells Finance Leaders to Fix the Data First
Bank of America warns CFOs that high-tech tools like AI are useless without a foundation of clean, organized business data.
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Consumers Don’t Want a Treasure Hunt at Checkout
Retailers must simplify checkout by embedding rewards and financing directly into the payment process to prevent cart abandonment.
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The Biggest RTP Rival Is the Payment System That Already Works
Real-time payments offer a major cash flow advantage, but a 'perception gap' keeps many retailers tied to slower legacy systems.
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36% of Global SMB Buyers Plan to Use FinTech Payment Providers
Small businesses are bypassing traditional banks for tech-driven payment solutions to improve speed and cash flow management.
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Bank of America Equips Customer Service Reps With Gen AI
Bank of America integrates generative AI to provide customer service reps with instant insights during live support calls.
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It’s Live, You Can Now Invest in a Credibly Warehouse Line Through Figure
Credibly launches a blockchain-powered funding line with Figure, potentially lowering capital costs for small business lending.
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Capital One Tests Moving Credit Cards to Discover Network
Capital One begins shifting card volume to Discover's network, signaling a major shakeup in payment processing for retailers.
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Capital One highlights Discover, Brex integration
Capital One's focus on the Discover and Brex integrations signals a push for a more tech-forward, vertically integrated consumer lending network.
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Natural raises $30 million to build AI agent payments stack
Natural raises $30M to enable AI agents to shop and pay autonomously, signaling a major shift in how consumers interact with retail checkouts.
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Capital One open sources VulnHunter, an AI security tool that thinks like a hacker
Capital One releases an AI-driven security tool to help developers find and fix software vulnerabilities before hackers can find them.
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Credit union sues TruStage over cybersecurity incident
A new class-action lawsuit tests whether financing tech vendors can be held legally responsible for failing to protect consumer data.
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Apple Teams With Klarna to Debut Device Leasing Program
Apple and Klarna launch a cross-device leasing program, signaling a major shift toward subscription-based hardware ownership.
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Early AI Gains Prompt Equifax to Double Savings Forecast to $150 Million
Equifax shifts to AI-led credit processing, signaling faster data insights and smoother credit approvals for consumer financing.
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CFPB nominee Johnson agrees to Capital One recusal
CFPB nominee Brian Johnson pledges to recuse himself from Capital One matters, signaling a shift in how retail lending may be regulated.
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Oregon proposes BNPL rules
Oregon proposes new licensing requirements for BNPL firms, signaling a tighter regulatory environment for short-term consumer credit.
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Anthropic cracks Claude's black box open. Banks may benefit.
Anthropic's transparency research could make AI credit decisioning safer and more compliant for consumer financing operators.
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Payments broker gets jail time
A payments broker receives a three-year prison sentence for credit card fraud, signaling a crackdown on deceptive merchant processing practices.
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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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The Quarterly Review: How J.P. Morgan Payments’ Prashant Sharma intends to build the trust infrastructure that agentic commerce will need
J.P. Morgan is building the infrastructure for AI agents to handle shopping and financing decisions automatically for consumers.
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Congress needs to stabilize the foundation of interstate bank lending
New state-level legal battles over interstate lending rules could fragment consumer financing and limit credit access for retailers.
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Revolut secures Australian banking licence
Revolut secures an Australian banking license, clearing the path to launch direct consumer lending and BNPL products.
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The Federal Reserve's not-quite-as-independent independence
Increased political pressure on the Federal Reserve could mean more volatility for interest rates and consumer credit availability.
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Bank of Ireland hires Citigroup's Prag Sharma as chief AI officer
Bank of Ireland’s new AI lead marks a major step toward faster, more automated credit approvals for the consumer financing market.
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Ant International raises $1.2 billion in Series A round
Ant International secures $1.2 billion to expand global digital payment tools and merchant financing technology.
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Zilch joins forces with rewards platform Rezolve Ai
Zilch and Rezolve Ai team up to blend personalized AI shopping experiences with fee-free BNPL options for UK retailers.
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Nium CEO Says Stablecoins’ Real Prize Is the Cash Companies Can’t See
Stablecoins are shifting from crypto speculation to a practical tool for real-time cash management and faster settlement for global businesses.
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FinWise Owns Full Card Tech Stack After Acquiring Tallied Platform
FinWise Bancorp acquires Tallied technology to bring credit card processing in-house, promising faster innovation for merchant financing programs.
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Affirm to provide installment payments for Amazon Business customers
Amazon Business partners with Affirm to offer flexible installment payments at checkout, bringing consumer-style BNPL to the B2B procurement market.
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Banks Tap FinTechs and Embedded Finance for Deposits
Major banks are doubling down on embedded finance partnerships, providing more stability and scale for consumer lending programs at the point of sale.
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lender-updates
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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Republicans ask CFPB's Vought how to curb agency's power
GOP lawmakers are targeting the CFPB’s core authority, signaling a potential long-term shift toward a more business-friendly financing landscape.
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Natural Raises $30 Million to Build Payment Rails for AI Agents
New $30M funding for Natural signals the rise of 'agentic commerce' where AI bots, not humans, handle the checkout and payment process.
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Bank deregulation package inches toward House floor
New House legislation seeks to loosen capital rules for regional banks, potentially easing the flow of credit for retailers and consumer lenders.
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Fake Employees Are Banks’ Newest Insider Threat
AI-driven 'synthetic insiders' are infiltrating financial institutions, posing a new risk to data security and lending stability.
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Trump's trade war targets Brazil's payment rail
New U.S. tariffs on Brazil's Pix payment system could signal a broader crack-down on low-cost international payment alternatives.
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Visa Bets the Future of Money Still Needs an Operator
Visa’s new stablecoin platform aims to make digital currency payments as seamless and reliable for merchants as traditional credit cards.
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Loyalty Data Is Now AI’s Favorite Currency
Retailers are turning loyalty data into AI-driven financing tools to predict spend and personalize credit offers at checkout.
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Payments M&A spools up
A surge in fintech mergers signals a shift toward more integrated payment and financing tools for retail operators.
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The Impact of AI and Other New Technologies on Payment Hubs
AI is set to radically accelerate how lenders build and deploy payment technology, potentially cutting launch times to a single week.
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Why pricey credit cards may soon cost more
A landmark settlement may allow merchants to charge extra for premium rewards cards, making alternative financing more competitive at the point of sale.
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QVC will stick with pre-bankruptcy turnaround strategy after emergence
QVC wins court approval for restructuring plan, ensuring the retail giant continues its financing-heavy sales strategy.
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Why PayPal makes sense for Stripe now
Stripe merchants can now integrate PayPal, opening easy access to PayPal's popular ‘Pay in 4’ BNPL tools and a massive loyal user base.
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Banks are making a bigger play for the SMB back office
Banks are evolving into all-in-one management hubs, integrating payments and accounting to simplify daily operations for small business owners.
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Banks report operational changes driven by AI adoption
Big banks are shifting from AI experimentation to full operational integration, promising faster credit decisions and enhanced fraud detection for retailers.
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What comes next for the Fed's regulatory independence?
Recent Supreme Court activity signals a potential shift in how the Federal Reserve regulates the lenders providing your consumer credit programs.
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HSBC joins EPAA agentic AI working group as founding member
HSBC joins a global task force to standardize 'agentic' AI payments, signaling a shift toward autonomous consumer financing and automated checkouts.
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EPI embarks on next phase of iDeal transition to Wero
European banks and payment providers align on a new roadmap to replace iDEAL with Wero, the continent's new digital wallet standard.
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Abound taps ClearScore for debt consolidation
New AI-powered debt consolidation tools are helping customers clear high-interest balances to free up spending power for new purchases.
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This Week in Consumer Financing: The War for Your Checkout
AI takes the wheel in underwriting while industry giants battle for control over retail payment rails.
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Retail media was the first wave. Financial services may define the next one.
Retailers are evolving into financial hubs by embedding BNPL, insurance, and personalized lending directly into the customer journey.
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AI is creating ecommerce’s next optimization challenge: The intent gap
AI is bringing higher-intent shoppers to your site; here is how to ensure your financing and checkout process doesn't drive them away.
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The future of banking growth is decision intelligence
Lenders are adopting AI-driven decision intelligence to speed up loan approvals and increase conversion rates for merchants.
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The next competitive edge is the payout experience
Closing the gap between instant spending and slow payouts is the latest way for retailers to improve customer loyalty and operational efficiency.
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From legacy to leading edge: DXC CoreIgnite bridges the banking innovation gap
New tech allows traditional lenders to modernize faster, promising better financing tools and smoother approvals for retail partners.
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Why Vertical SaaS Companies Are Taking Control of Payments
Specialized software providers are moving beyond workflow tools to offer integrated payments and financing directly to merchants.
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The Housing Market Hands More Decisions to AI
AI is replacing human underwriters to speed up credit approvals and expand financing access for non-traditional borrowers.
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Manual Debit Reviews Can Cost Banks $2.4 Million a Year
High manual review rates in debit processing are causing revenue leaks and transaction friction that impact merchant conversion and customer satisfaction.
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Velera CEO Chuck Fagan Exits With a Challenge to Credit Unions
Velera’s leadership transition highlights a major push for credit unions to adopt AI and real-time payments to compete in consumer lending.
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Stripe Capital, PayPal Working Capital Could Merge If Acquisition Offer is Accepted
A potential merger between Stripe and PayPal’s lending units could consolidate the working capital market and change how retailers fund their growth.
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ACI Worldwide Considers Putting Billing Division Up For Sale
ACI Worldwide considers selling its billing division, a move that could impact how thousands of merchants collect recurring consumer payments.
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Lumin Digital raises $70 million from its clients
A $70 million investment into Lumin Digital signals a tech-forward shift for the community banks and credit unions that power consumer lending.
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Regions Bank’s Mobile Upgrade Drives Digital Transactions to 80%
Regions Bank sees digital transactions hit 80%, signaling a critical need for retailers to offer mobile-integrated financing tools.
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lender-updates
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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Former CFPB enforcement directors launch public interest law firm
Former CFPB enforcement heads launch a new firm, signaling a more litigious and scrutinized environment for merchant financing.
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PayPal balks at Stripe acquisition offer
PayPal rejects a $53 billion buyout bid from Stripe, signaling a heating battle for control over your store's checkout and financing options.