WikiPay Research

FEDERAL RESERVE ANNOUNCES “NOVEL ACTIVITES SUPERVISION PROGRAM” (CRYPTO, NEO-BANKS, DLT, BANKING-AS-A-SERVICE)

A short post announcing the US Federal Reserve’s plans to supervise crypto, neo-banks, banking-as-a-service, and other emerging areas more closely.

FEDERAL RESERVE ANNOUNCES “NOVEL ACTIVITES SUPERVISION PROGRAM” (CRYPTO, NEO-BANKS, DLT, BANKING-AS-A-SERVICE) Read More »

HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH

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 »

THE FUTURE OF ONLINE PAYMENTS: BNPL, UPI, EMBEDDED FINANCE AND 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.

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BUY NOW, PAY LATER USAGE BETWEEN BNPL USES ONLY AND BNPL USERS WITH CREDIT CARDS

This slide shows a comparison between shoppers using a buy now, pay later option vs buy now, pay later users who have a credit card. The purpose is to show how BNPL has empowered a greater number of consumers.

BUY NOW, PAY LATER USAGE BETWEEN BNPL USES ONLY AND BNPL USERS WITH CREDIT CARDS Read More »