APPLE FINTECH STRATEGY MAP (CBINSIGHTS)
A slide from CBInsights showing graphically Apple’s payment strategy.
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APPLE FINTECH STRATEGY MAP (CBINSIGHTS)
An article from CBInsights showing the emerging scale of APPLE in payments and the challenges it will present for incumbent players.
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JPMORGAN IS EXPLORING BLOCKCHAIN-BASED DEPOSIT TOKEN FOR PAYMENTS, SETTLEMENTS
This article from Bloomberg describes how if approved by regulators,the token could speed up transactions and mark an expansion of JPMorgan?s blockchain push.
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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.
AMAZON EXPANDS BNPL OFFERING | PAYMENTS DIVE
An article describing how Amazon is expanding buy now, pay later and the possible role of FedNow.
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AREAS OF INTEREST FOR FINTECH REGULATION
A slide showing the developments in fintech that attract regulatory interest.
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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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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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CENTRAL BANK DIGITAL CURRENCY (CBDC) – SECURE ECOSYSTEM
A brief description of the steps that might be taken to create a retail and a wholesale central bank digital currency. This was originally a Linkedin post that was shared publicly.
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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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