EMBEDDED FINANCE IN PAYMENTS 2023
A slide graphically summarizing the state of embedded finance in payments in 2023.
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FINTECH REGULATION LEGAL ISSUES AND REGULATORY COMPLIANCE (UNITED STATES AND UK)
A link to an article by Geniusee identifying the most important regulatory issues facing fintechs and listing the regulatory bodies with which they deal in the US and Uk.
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AVAILABLE AP-BASED OPEN INSURANCE SERVICES MAPPED ACROSS THE INSURANCE VALUE CHAIN 2023
The slide presents graphicly the availability of APIs that might support open insurance across the entire insurance value chain in 2023.
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OPEN INSURANCE IS STILL ALL BARK AND NO BITE FOR NOW…BUT MANDATED OPENNESS WILL SOON CHANGE THAT
A brief description by INNOPAY of the relationship between open banking and another financial service like open insurance. The authors suggest that mandated openness will soon change otherwise slow developments.
HOW FASTER PAYMENTS WILL IMPACT FINTECHS
A slide showing graphicly how same day and realtime payments may impact fintechs, including insurance, healthcare and other verticals with a strong payments component.
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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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WELCOME TO INSTANT PAYMENTS UNIVERSITY
A link to a resource page and numerous resources about the Federal Reserve and its planned introduction of Fed Now, a real-time (RTP) settlement system in the United States in July 2023..
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THE CLEARINGHOUSE’S RTP NETWORK
A brief report describing the Clearinghouse’s real-time payments network (RTP),
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TECH TALK: THE ROAD TO REAL-TIME PAYMENTS
A video presentation by John Anderson of PLAID, Lily Varon of Forrester, and Akashi Desai of Novo, about the state of real-time payments, with a special focus on fraud.
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STRATEGIC COMPLIANCE
A Vodcast by 99FinTech addressing compliance in the digital payments and banking space that explains how firms that embrace compliance versus treating it as a cost center can position themselves better to attract investors, accelerate market entry, achieve competitive advantage, and ensure stability.
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