Новости за 12.12.2024

There’s a sea of change sweeping through the B2B landscape. Traditional models of enterprise buying and selling are being displaced by digital marketplaces that aim to streamline workflows, reduce costs and deliver consumer-grade experiences to business buyers. After all, as of Tuesday (Dec. 10), you can now buy a car on Amazon. B2B procurement professionals […]

The banking industry’s net interest margin increased in the third quarter as the increase in loan yields exceeded the increase in the cost of deposits for the first time since the second quarter of 2023. “As a result, the industry’s net interest margin increased 7 basis points to 3.23%, reversing a three-quarter trend in which […]

Payment technology company FlexPoint has launched an artificial intelligence (AI)-powered system that processes automated clearing house payments the same day instead of the typical five-day wait, using AI to assess transaction risks. The system connects to the Federal Reserve’s FedNow® Service infrastructure to process ACH payments, FlexPoint said in a Thursday (Dec. 12) press release. […]

Walmart and investment firm Ribbit Capital are reportedly leading a funding round of more than $300 million for FinTech startup One, which is majority-owned by Walmart. The round, which has not closed, would value One at $2.5 billion before the new money is raised, Bloomberg reported Thursday (Dec. 12), citing an unnamed source. Reached by […]

Nearly a week after a federal judge blocked a cap on “junk fees,” the Consumer Financial Protection Bureau is overhauling overdraft fee regulations for large financial institutions. The CFPB aims to close what it called an “outdated overdraft loophole” in lending laws, according to a Thursday (Dec. 12) press release. The new rule, set to […]

It seems like everything is moving to the cloud — from data to infrastructure — as companies seek to cut costs and scale their operations. In financial services, that means bringing new products and payments to new markets and users as new ecosystems take shape, especially as artificial intelligence gains prominence. It was a topic […]

Retailers face the daunting challenges of managing inventory, staff, storage, shelf space — and, in most cases, a digital storefront — all while gauging consumer demand, which can be seasonal. On top of that, retail is a hyper-competitive industry. If retailers haven’t got the right stock on hand, it’s as simple as a short drive […]

When it comes to succeeding in eCommerce, conversion is king. Yet online merchants widely report having problems in delivering a high-quality checkout experience to their customers. In fact, more merchants encounter trouble in this area than in payment processing. This is a global problem. PYMNTS Intelligence surveyed merchant in Australia, Brazil, the United Arab Emirates, […]

Middle-market companies are turning to virtual credit cards to manage working capital more effectively. Offering the same flexibility as traditional credit cards, but with enhanced spend tracking and better control, virtual cards are gaining traction among North American companies with revenue between $50 million and $1 billion. A PYMNTS Intelligence report, “CFOs Want Virtual Cards […]

Starting a new business is an exercise in optimism. Entrepreneurs see an opportunity, often a local one — a vacuum where demand is there to be met, and money is to be made. In the latest data from the U.S. Census on business formation, November marked a month of optimism, it seems for retail. At […]

Adobe is expanding its artificial intelligence (AI) strategy with new premium video generation capabilities as the company builds on the success of its Firefly AI platform, which the company said has generated more than 16 billion pieces of content since launch. During its fourth-quarter earnings call on Wednesday (Dec. 11), Adobe revealed plans to introduce […]

GameStop, once a dominant force in the gaming retail industry, is facing some challenges as it adjusts to the rise of digital distribution and changing consumer behavior. The company’s third-quarter financial results released Tuesday (Dec. 10) revealed a mixed picture as GameStop’s net sales sank 20.2% to $0.860 billion, but it posted a net income […]

FISCAL Technologies and Proservartner have partnered to offer tools and consultancy services designed to help organizations reduce payment errors, supplier fraud and inefficiencies within procure-to-pay (P2P) processes. This collaboration brings together FISCAL’s artificial intelligence (AI)-driven forensic software and Proservartner’s expertise in process automation and operational transformation, the companies said in a Friday (Dec. 6) press […]

Last December, PYMNTS Intelligence detailed in its “Credit Card Use Deep Dive” report that about 14% of the more than 3,500 consumers surveyed had subprime credit scores. Those consumers tend to be tied to a FICO score below 670, as defined by the major credit reporting bureaus. Generally speaking, the lower the FICO score, the […]

The Financial Crimes Enforcement Network (FinCEN) has issued Spanish translations of two resources focused on mail theft-related check fraud. The resources include FinCEN’s February 2023 alert to financial institutions highlighting a surge in check fraud schemes targeting the U.S. mail, and its September 2024 Financial Trend Analysis on mail theft-related check fraud incidents, the agency […]

Equipifi and Synergent have partnered to help credit unions launch their own buy now, pay later (BNPL) programs through their banking apps. This partnership will offer equipifi’s BNPL platform for financial institutions to Synergent’s credit union customers, the companies said in a Wednesday (Dec. 11) press release. Synergent is a managed services provider and a […]

Nearly 700 AI bills surfaced in state legislatures in 2024, addressing issues from safety standards to deepfake controls. Colorado passed comprehensive legislation, while California vetoed a key bill, reflecting varied strategies as states fill the regulatory gap left by stalled federal action. States Move to Shape AI Regulation Landscape in 2024, Report Finds The CCIA […]

The crypto market is running red hot as 2025 approaches. Bitcoin’s price last Thursday (Dec. 5) exceeded $100,000 for the first time. As of Wednesday (Dec. 11), the price of the digital asset remains above the $100,000 threshold. The achievement reflects more than just speculative enthusiasm; it underscores the integration of cryptocurrencies into traditional finance, […]

Amazon launched a new delivery drone that has “double the range and half the noise” of any of its predecessors. The new MK30 drone received Federal Aviation Administration approval to begin operations for customers in October and was launched in locations in Arizona and Texas in November, the company said in a Wednesday (Dec. 11) […]

A global banking watchdog introduced new guidelines covering counterparty credit risk (CCR) management. The regulations issued by the Basel Committee on Banking Supervision replace the committee’s existing regulations from 1999, according to a Wednesday (Dec. 11) press release. “The guidelines provide a supervisory response to the significant shortcomings that have been identified in banks’ management […]