AREAS OF INTEREST FOR FINTECH REGULATION
A slide showing the developments in fintech that attract regulatory interest.
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PAYSEND: HOW IT WORKS (VIDEO)
A video explaining how the Paysend money transfer service works. Paysend is a financial technology platform headquartered in the UK that enables any bank card (Visa or MasterCard) to send and receive money worldwide.
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PUSH VS PULL PAYMENTS
A slide showing how push and pull payments function, with the differences shown graphically (example with Visa).
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WHAT YOU NEED TO KNOW ABOUT PUSH AND PULL PAYMENTS
In this brief adapted from a Linkedin post, Monica Jasuja describes the difference between push and pull payments.
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THE CONVERGENCE BETWEEN TELECOMMUNICATIONS AND FINANCIAL SERVICES
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.
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EMBEDED FINANCE IN PAYMENTS 2023
A Linkedin post describing how embedded finance is an important part of emerging payments in 2023.
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EMBEDDED FINANCE IN PAYMENTS 2023
A slide graphically summarizing the state of embedded finance in payments in 2023.
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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.
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OPENING THE BLACK BOX OF DIGITAL WALLETS AND DEMYSTIFYING ‘BUY NOW, PAY LATER’
This article uses data froma leading Chinese provider to show that ‘buy now, pay later (BNPL)’ dominates e-wallet transactions and expands fintech credit to underserved consumers.’
OPENING THE BLACK BOX OF DIGITAL WALLETS AND DEMYSTIFYING ‘BUY NOW, PAY LATER’ Read More »
LAYING THE FOUNDATION FOR AN OPEN FINANCE FUTURE
Celent/Plaid white paper on Open Finance.
LAYING THE FOUNDATION FOR AN OPEN FINANCE FUTURE Read More »