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Embedded finance is transforming how consumers interact with payment services by integrating financial capabilities directly into non-financial platforms. Rather than redirecting customers to separate payment processors or bank websites, embedded finance enables seamless transactions within existing digital experiences. This shift represents a fundamental change in payment distribution that challe…

Device fingerprinting has become a cornerstone of modern fraud prevention strategies across financial institutions worldwide. As digital transactions dominate consumer behavior and fraudsters develop increasingly sophisticated attack methods, financial institutions rely on device intelligence to identify threats that traditional authentication methods miss. The technology provides persistent devic…

Financial crime evolves as quickly as the technology that enables it. Traditional Know Your Customer (KYC) and Anti-Money Laundering (AML) programs were designed for a world of paper documents, in-person transactions, and predictable criminal behavior patterns. Today’s threats exploit digital vulnerabilities, artificial intelligence, and global connectivity in ways that challenge conventional comp…

The subscription economy continues expanding across industries. Subscription businesses grew over 435% in the past decade compared to traditional business models. This growth creates demand for sophisticated recurring billing capabilities that standard payment processing cannot address. Payment providers must evaluate subscription billing software to serve merchants operating subscription business…

Buy now, pay later services have fundamentally altered how consumers think about credit. “Pay in 4” providers like Klarna, Afterpay, and Sezzle have captured significant market share by offering interest-free installment plans at the point of sale. Global BNPL transaction volumes reached $120 billion in 2021, demonstrating rapid consumer adoption across multiple markets. These services differ mark…

Financial messaging standards form the backbone of global payments. For decades, banks and payment processors relied on legacy formats that constrain modern transaction processing. ISO 20022 represents a fundamental shift toward richer, more structured communication. This standard promises to streamline operations, enhance compliance, and enable innovation across the financial industry. The curren…