Banking as a consciousness
As AI reshapes finance, the concept of a proactive, personalised “banking consciousness” emerges—offering tailored insights, automation, and hands-on financial support.
April 29, 2025
As AI reshapes finance, the concept of a proactive, personalised “banking consciousness” emerges—offering tailored insights, automation, and hands-on financial support.
Merchants are navigating complex markets and higher acquisition costs, yet payment systems are often treated as back-end infrastructure rather than drivers of growth. The decade-long era of effortless e-commerce growth
UNIR streamlined its complex payment reconciliation by adopting an automated solution, processing 75,000 transactions in eight months with improved accuracy.
How smaller landlords can improve rent arrears collection with automated engagement and simple payment tools—without adding to workloads.
Chargebacks911 and Prommt partner to offer end-to-end solutions that help businesses prevent chargebacks and secure remote payments.
Exactly.com showcases its full-stack payment solution at the Retail Technology Show 2025, helping e-commerce businesses scale and reduce costs.
iFAST Global Bank pilots virtual IBANs, offering multi-currency solutions for EMIs, APIs, brokers, and large corporates.
Personalised, omnichannel payment experiences are key to deepening loyalty, boosting retention, and exceeding customer expectations.
The future of e-commerce is subscription-based, offering businesses predictable revenue, deeper customer relationships, and long-term growth.
Mobile payments and digital wallets are driving a cashless economy, reshaping commerce, and redefining consumer expectations.
Dialect partners with Kaldi to provide customer support and transaction monitoring.
The 2024 holiday shopping season set eCommerce records, but a surge in post-holiday returns and chargebacks highlights the costly “holiday hangover” for merchants.
Dialect Communications partners with Committee to provide multilingual customer support for their app, digitising traditional committee collections with a focus on community and accessibility.
Skipify and Mastercard partner to offer seamless, flexible instalment payments at checkout, enhancing shopper convenience and merchant conversions.
Digital payments demand advanced fraud prevention, blending AI and human intelligence to counter evolving threats while ensuring seamless user experiences.
2025 payment trends focus on digital wallets, instant payments, AI, fraud prevention, and consumer convenience, driven by evolving regulations and innovation.
Dialect collaborates with Caxton to provide integrated customer support solutions, enhancing service delivery in the payments sector.
The Payments Association’s consumer behaviour survey uncovers shifting payment preferences in the UK, with digital methods on the rise while cash remains vital for certain demographics.
Games aren’t the first association we make when we think of financial services apps(!) but gamification is transforming this. If you aren’t familiar, gamification is the process of adding games
This case study demonstrates how PAYSTRAX successfully leveraged the Dispute Help chargeback management tool to prevent over 98,000 chargebacks—representing 75% of total chargebacks and 83% of all fraud-related chargebacks.
dash.fi, in partnership with Episode Six, launched a net 60 charge card with high limits and 3% cashback, enhancing cash flow for brands with large ad spends.
The Click to Pay mandate allows card issuers to modernise payments, boost customer experience, and ensure secure, interoperable digital transactions.
IATA and Outpayce partner to enable airlines to accept faster, secure account-to-account payments via IATA Pay.
A&O Shearman’s webinar will explore HM Treasury’s draft BNPL legislation and its impact on lenders and the UK retail credit market.
iFAST Global Bank has introduced instant FX trading for iFAST GB Business clients, enabling faster fund settlements and improved efficiency for EMIs and regulated firms.
PEXA collaborates with Metro Bank to enhance the remortgaging process, aiming for faster completions and increased transparency for customers and brokers.
A surge in current account switching is being driven by cash incentives, economic pressures, and the rise of digital banking.
Merchants face new challenges as payment innovations like open banking and tokenisation reshape the industry.
Rising maintenance costs in social housing, driven by damp remediation and regulations, are pushing providers to adopt preventive strategies and modernisation.
Paymentology’s cloud-first card issuing platform supports ChitChat growth journey in Zambia and beyond
The UK Finance Annual Mortgage Conference highlighted the need for ethical AI use and innovative solutions to address challenges in the evolving housing market.
In the fast-moving payments industry, trust must be replaced by a “Protection Model” focused on safeguarding compliance, technology, and risk management.
Unrecognised transactions due to confusing billing descriptors are costing U.K. merchants over £128 million annually, highlighting the urgent need for clear descriptors and proactive chargeback management.
Digital wallets are reshaping payments with convenience and security, but face challenges like device reliance and regional limits; with increasing regulatory focus, their growth and innovation are set to continue.
Toqio partners with Visa to enhance corporate liquidity and efficiency by integrating financial services directly into business networks through embedded finance solutions.
Paymentology partners with Salaam Bank’s Waafi to launch the first tokenised tap-to-pay card in the Horn of Africa, advancing digital and contactless payments.
Trading 212 partners with Paynetics to integrate multi-currency accounts and card payments, allowing customers to spend directly from their account balance.
Early-stage fintech companies must navigate regulatory compliance, protect intellectual property, manage personal data, and maintain organised documentation to ensure smooth operations and growth.
Mitto’s report shows increasing consumer demand for personalised, real-time communication via SMS and WhatsApp, aiding businesses in boosting satisfaction and engagement.
Issuers and merchants should adopt click-to-pay for a faster, safer eCommerce experience, reducing cart abandonment and enhancing security through tokenisation.
Paynetics has acquired Novus, the UK’s first “impact neobank,” to enhance ESG initiatives and expand its embedded finance offerings, empowering clients to integrate positive impact efforts with financial services across Europe.
Paynetics has been selected for TechRound’s FinTech 50 list for 2024, recognised for its innovative Embedded Finance solutions that seamlessly integrate payments into business offerings.
Giesecke+Devrient’s Convego payment card portfolio allows banks to use innovative and sustainable materials, such as wood and ceramic, to create unique and personalised payment cards.
Digital wallet payments are projected to reach $19.6 trillion by 2027, and Thredd’s guide offers insights on trends, best wallets, tokenisation, and finding the right payments partner.
Card issuer processors face integration, compliance, and fraud challenges but can stay competitive by streamlining processes and enhancing customer experiences.
New regulations will cap overdraft fees, drastically reducing them from around $30 to approximately $3, significantly impacting banks’ revenue streams.
Thames Technology, a leading provider of innovative payment solutions, has announced that it is one of the first card manufacturers to offer Mastercard-approved pre-paid paperboard cards. Designed exclusively for magnetic
The digital payments landscape is rapidly transforming, driven by technological advancements and changing consumer preferences. Electronic money institutions (EMIs) facilitate secure and efficient digital transactions, enabling businesses and consumers to
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