HERE’S HOW ALTERNATIVE CREDIT SCORING DATA ENABLES FINANCIAL INCLUSION VIA OPEN BANKING AND AI
Open Banking within alternative credit scoring; enabling credit bureaus and other providers to access bank account transaction information.
HOW AI CAN ADVANCE OPEN BANKING’ – TECHTALKS
This describes how the adoption of Artificial Intelligence (AI) in Open Banking applications has witnessed remarkable growth, revolutionizing the financial industry.
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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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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 RISE OF SOCIAL COMMERCE
This slide shows the rise of social commerce, or payments through social media, in terms of the e-commerce value chain, games as an example, and the shoppable content value chain. This was adopted from a publicly available Linkedin post.
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APPLICATION OF ARTIFICIAL INTELLIGENCE (AI) IN DIGITAL PAYMENTS
In this paper by Tremend, the various means of applying artificial intelligence (AI) to digital payments and wallets is discussed.
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THE RISE OF SOCIAL COMMERCE
This brief, adapted from a publicly available Linkedin post by Panagiotis Kriaris, discusses how social media has changed the way we communicate and interact, and has begun to change the way we shop online, on-site, and often through digital wallets.
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THE PROS AND CONS OF MAKING PAYMENTS WITH SOCIAL MEDIA PAYMENT PLATFORMS
This brief explores how social media offer a means of sending or received money through proprietary apps or apps like Venmo or Google Wallet. The pros and cons are discussed.
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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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A NEW PUSH FOR PUSH PAYMENTS
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,
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