NotFinancialAdvice

The gig economy is expanding globally, with many Filipino freelancers facing challenges in cross-border payments. Stablecoins offer faster, cost-effective solutions, attracting users amid easing regulatory concerns and meeting demand for quick transactions.

Robinhood is jumping into an already crowded premium credit card market with the invite-only Robinhood Platinum Card. With a $695 annual fee and a range of perks, the card will compete with established offerings such as Chase’s Sapphire Reserve and the American

Three Irish banks are launching a new peer-to-peer (P2P) payment service Zippay, which is going live this week. The platform is designed to compete with Revolut, which already has around 3 million P2P users in Ireland.
Zippay will initially be available to more

The business case for adopting real-time payments in enterprise settings is compelling. Instant settlement drives efficiency in processes long built around paper checks, while also giving organizations unprecedented control over

The essay discusses the first fully agentic payment made by an AI in Spain through Banco Santander, highlighting its significance in regulated banking. It details Mastercard's expansion of its Agent Pay platform, ongoing pilot tests, and emphasizes the need for strong controls to mitigate risks as AI agents take on greater roles in commerce.

More than half of organizations now rank generative artificial intelligence as their biggest security threat, surpassing stolen credentials. The rise of AI-driven attacks—from deepfakes to hyper-personalized phishing—is upending cybersecurity, with speed and scale o

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

Six years after the Group of 20 (G20) introduced an ambitious roadmap to address long-standing inefficiencies in cross-border payments, global regulators say progress has been made—but many of the most persistent problems remain unsolved. In a recent keynote address

The UK's £100 cap on contactless payments is being lifted, but banks may maintain existing limits due to fraud concerns. As contactless payments dominate, mobile wallets remain exempt from limits, offering more secure transactions.

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 original Bilt card, sponsored by Wells Fargo, was a good effort, but the revenue dynamics didn’t work. It is not the first failed co-brand to step outside the realm

A record 111 million U.S. consumers were carrying a balance on their credit cards at the end of last year—two million more than at the end of 2024. Together, these cardholders now owe more than $1 trillion to banks.
Based on average outstanding balances, a

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

Sending money across borders has traditionally meant navigating delays, fees, and uncertainty. Digital assets are rewriting that experience. They reduce reliance on currency conversions, provide greater visibility into transactions, and drastically lower fees and se

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 European Union has made overtures to Turkey about joining the Single Euro Payments Area (SEPA), though Ankara has yet to respond.
An EU envoy suggested that participation in the payments system could deepen Turkey’s integration with the European economy and

Amid a flood of stablecoin launches, many of the world’s leading financial services firms continue to champion tokenization.
Robinhood’s CEO highlighted the technology’s industry-transforming

India’s Unified Payments Interface (UPI) has grown into the dominant force in global instant payments, accounting for more than four out of every five real-time transactions worldwide. The system’s rapid rise has been fueled by strong government support,

Stablecoins vary in backing and purpose, often serving as investment tools rather than payment methods. Non-USD stablecoins are gaining traction, particularly in the euro market, but face challenges against USD dominance and competition from central bank digital currencies.