In this Linkedin post, developments are examined as mobile phones are becoming banks in our hands (or banks are being embedded into our mobile phones). This convergence of telecom and financial services has competitive implications for both.
THE CONVERGENCE BETWEEN TELECOMMUNICATIONS AND FINANCIAL SERVICES Read More »
A Linkedin post describing how embedded finance is an important part of emerging payments in 2023.
EMBEDED FINANCE IN PAYMENTS 2023 Read More »
A slide graphically summarizing the state of embedded finance in payments in 2023.
EMBEDDED FINANCE IN PAYMENTS 2023 Read More »
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH Read More »
In this report, recent rends in the online payments ecosystem in India are discussed, from UPI and digital wallets to Buy Now Pay Later (BNPL). The report also discusses how fintechs are gearing up to meet the demands of future customers.
THE FUTURE OF ONLINE PAYMENTS: BNPL, UPI, EMBEDDED FINANCE AND MORE Read More »
In this publicly available report from Redseer Strategy Consulting, it is estimated that 85% of businesses in India will be digitally enabled by FY26. This means that a large majority of businesses in India will have embraced digital technologies and processes for their operations.
THE FUTURE OF INDIA’S DIGITAL PAYMENT Read More »
In this article Visa, Idemia and Thales announce EU digital wallet consortium membership.
A short opinion piece arguing that Facebook’s now defunct cryptocurrency, designed for P2P payments would be a threat to both mPesa and Safaricom.
OPINION: WHY FACEBOOK’S NEW CRYPTOCURRENCY IS A THREAT TO MPESA AND SAFARICOM Read More »
Celent/Plaid white paper on Open Finance.
LAYING THE FOUNDATION FOR AN OPEN FINANCE FUTURE Read More »
This white paper by Mastercard explains that as real-time payments increase globally, Card-based push payments (push-to-card) enable participants to send funds directly to consumers and small businesses via their payment card accounts. Receipt of funds via a payment card, typically a debit card linked to a deposit account, makes for a seamless consumer experience,
A NEW PUSH FOR PUSH PAYMENTS Read More »