NotFinancialAdvice

Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the

The European Central Bank has invited licensed payment service providers (PSPs) to help shape the long-awaited digital euro as it enters its pilot phase—a chance to prove the currency still has a role in the global payments landscape.
Participating PSPs will test t

Fintechs didn’t just build better products over the past decade, they built better ways for developers to access them. Developer portals became a key growth lever, helping fintechs scale faster and attract top talent. Today, as banks modernize legacy systems and

From streaming platforms that learn your favorite shows to social apps that adapt to your moods, today’s users don’t just want options—they expect flexibility. If something doesn’t work, they switch, tweak, or move on. This mindset is especially true for Gen Z and m

ACH is a critical part of the U.S. payment infrastructure, driving a significant portion of transaction volumes and supporting important use cases such as supplier payments, payroll, and many others. Despite competition from newer rails that serve similar

From Reaction to Prevention: Rethinking Payment Fraud
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With the advent of faster payments, many financial organizations have prioritized speed over fraud detection. Consumers expect instant transactions, but

At first glance, it looks like a simple return or a routine dispute. But behind many of these transactions is a growing problem often mischaracterized as friendly fraud—a form of first-party fraud that costs organizations significantly and is increasingly

Real-time payments have yet to become a true retail mainstay in the U.S., but trillions of dollars moved across the FedNow and RTP networks last year. Both networks recently increased their transaction limits to $10 million, dramatically expanding enterprise use

The best time to start investing for retirement is now, but conveying this message to younger adults can be challenging. Many Gen Z and millennial individuals face pressing financial concerns today, making it difficult to prioritize saving for a distant future

For many small business owners, the workday doesn’t end when customers leave. It continues late into the evening—logging into multiple dashboards, exporting spreadsheets, reconciling transactions, and trying to make sense of scattered financial data.
In the

The BRICS group of nations is moving forward with plans for a shared currency for internal trade, potentially launching as early as next year. Last week, the Institute for Economic Strategies of the Russian Academy of Sciences announced a working prototype of a trad

The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6

The costs of debit card fraud have increasingly tilted toward merchants, with retailers now bearing nearly half of the overall burden rather than banks or payment networks.
That shift is documented in biennial data from the Federal Reserve, which publishes its debi

Once artificial intelligence achieved conversational capabilities, organizations rushed to deploy AI in customer service use cases like fast-food drive-thrus and online shopping. Financial institutions followed suit, leveraging AI chatbots and virtual assistants to

As one of the three major credit bureaus in the United States, Equifax has broad visibility into consumer credit behavior. In recent years, one notable trend has been the rise of first-party fraud, in which consumers knowingly exploit organizational policies for

On one hand, digital banking technologies have made it possible for financial institutions to offer more services than ever before. On the other, this shift has often made it harder for banks and credit unions to differentiate themselves. That challenge is likely to

In today’s world, nearly anything a business or individual desires is available instantly. Yet, for most, receiving a payment still takes two to three days to clear, despite the availability of instant payments networks such as FedNow.
What will it take for instant

Buy now, pay later pioneer Affirm has become the latest fintech to apply for a U.S. banking charter. Filed in Nevada, the application is the most recent wave of filings prompted by a more favorable regulatory environment at both the state and federal levels.
Affirm

Paying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank

The humble demand deposit account has been the cornerstone of the financial services system for decades. However, banking customers who manage all their finances through checking and savings accounts at a single financial institution are in short supply.
At the