WikiPay Research

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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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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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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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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