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Embedded Lending in Action: The Potential of Buy-Now, Pay-Later

As part of Currencycloud series of interviews that explores the nature and evolution of embedded finance we invited Laurel Wolfe, Vice President of Marketing at Mambu, and former Klarna, to deep dive into how Buy-Now, Pay-Later and embedded lending, a subset of embedded finance, is changing how retailers and payments providers serve their customers.

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How to avoid the payments transformation sinkhole

Modulr Pulse, our quarterly insights event, is back on July 20th for a discussion about ‘How to avoid the payments transformation sinkhole’.

Getting payments right is increasingly tougher for established financial institutions so we have brought along a consultant who regularly manages payment transformation projects, to give their advice on how to avoid the various pitfalls and sinkholes.

Register for the event and secure your place today: https://landing.modulrfinance.com/how-to-avoid-the-payments-transformation-sinkhole-epa

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Trust Payments partners with Zip for Buy Now, Pay Later

Trust Payments, the global unified payments group, has partnered with Zip, the first Buy Now, Pay Later provider to join its network of payment partners. The agreement means UK merchants using Trust Payments’ platform can offer Zip at check out and allow customers to pay over four interest-free instalments.

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Rethink the Ordinary With Advanced Payment Solutions

Most consumers are more than aware of basic payment solutions, especially after the pandemic struck their lives and their usual means of payment. Even before the new normal, many consumers were familiar with e-commerce and therefore, businesses were already used to accepting online payments on their websites or their apps. If these payments seemed pretty straightforward for consumers, technology now allows for more streamlined payment solutions that make it easier to take online payments on your website.

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PPS and Talenom join forces to provide banking software with accounting services

PPS are the payments and banking provider behind Talenom’s new banking service for SMEs. This partnership will enable financial services to be embedded into Talenom’s emerging SME solution ‘Accounting Alex’.
As a result of working with PPS, small businesses that use Talenom’s ‘Accounting Alex’ service will now be able to set up a bank account in minutes and enable savings on fees by more than 50%.

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WHAT IS ACTIVE DEFENSE?

The need for a new kind of fraud defence
– What we mean by Active Defence
– The problem Active Defence solves: Identity attacks and manipulation attacks
– Three capabilities to avert any ID attack

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New Report Reveals both Risk and Opportunity in Chargeback Space

The new 2021 Chargeback Field Report, published by Chargebacks911, reveals that Covid-19 had a significant impact on the payments space. However, many of the trends observed were already underway years before the pandemic struck. There are opportunities for merchants—and other entities in the payments space—to improve procedures and eliminate risk. However, this will take a significant effort.

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PAYALLY STRENGTHENS INTERNATIONAL PAYMENTS OFFERING THROUGH NEW PARTNERSHIP WITH BANKING CIRCLE

PayAlly, the fully integrated payments ecosystem for SMEs is using Banking Circle solutions to improve its multi-currency B2B cross border payments services. In particular, the new partnership gives PayAlly access to a wider choice of payment rails through the Banking Circle super-correspondent banking network, thereby improving the speed and cost of international payments for its e-commerce customers.

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8 out of 10 merchants have seen an increase in friendly fraud, according to the 2021 Chargebacks911 Field Report

The latest piece of groundbreaking industry research from dispute resolution specialist Chargebacks911, The 2021 Chargeback Field Report assessed over 400 merchants across the US and the UK and identified a dramatic rise in friendly fraud over the past three years, with 80% of merchants seeing an increase in false claims.

In addition, while 94% of merchants consider friendly fraud to be a problem for their business, less than 30% are taking steps to combat it. This behaviour indicates that there is a knowledge gap preventing merchants from confidently combating fraudulently filed chargebacks.

Other headline stats include:
• 68% of merchants have seen the pandemic cause an increase to their chargebacks
• Nearly a third of merchants experience difficulties contesting illegitimate chargebacks
• And for every friendly fraud case that goes uncontested, 50% of cardholders will go on to commit the crime again in less than 60 days

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Specialist data reconciliation and reporting platform, Kani Payments, has partnered with the world’s largest Quality of Life services company, Sodexo Engage

Kani will replace Sodexo Engage’s legacy data management systems which ran manually, becoming a drain on time, money, and resources, and lacking the scale required to handle the sheer volume of data processed by the engagement payments giant. In doing so, Kani will simplify Sodexo Engage’s complex transaction data and provide a single space for data management. In addition, the platform will provide real-time, actionable data insights that allow for Sodexo’s critical business decisions to be implemented faster and with greater efficiency.

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Currencycloud Superhero Spotlight Series | 7-11 June

We are really excited to shine the spotlight on some of the best-known brands in #Fintech during our Superhero Spotlight Series.

A week-long event packed with articles, research reports and LinkedIn and YouTube live streamed interviews with over 30 of Fintech’s finest superheroes.

Register for the agenda: https://bit.ly/3ySP2lL and keep an eye out for reminders of the #livestream sessions.

#Payments #Banking #FintechSuperhero

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Buy vs. Build: the Million-Euro SCA Question

“Should we build in, or should we buy in?” This is one of the oldest software-questions management teams have to answer. Yet we believe that this should be less of a consideration regarding whether or not an organisation can build something. Rather, the right question is why they should build it.

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Reviewing Access Control Server Integration for SCA

In order to receive 3D Secure messages, process said messages, and authenticate card users, issuing banks must deploy Access Control Servers (ACS). To ensure that transaction integrity is never compromised, the Okay software works in parallel to prevent attacks and protect user information during confidential transactions. The process looks a little something like this:

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3 Tips to Finding the Perfect Payment Technology Partnership

Sam Head of Currencycloud shares his top 3 recommendations on what to look for in the right partner for your strategic, long-term journey to borderless transactions. 

He covers the pros and cons on a bundled solution, the idea of future proofing your partner choices for business growth ambitions, the important considerations involved in the costs as well as owning the customer experience.

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Managing Chargebacks Out Of Your Business

Transact365 is more than a gateway. It is a methodology platform that has been designed to operate as a technical consultancy business, lending our years of experience and knowledge whilst building on new and exciting technology that can zero out fraud.

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Banking Circle joins P27 initiative as a front-runner bank to support consolidation of currently fragmented Nordics payments ecosystem

Global financial infrastructure provider, Banking Circle, has joined the P27 Nordic payment initiative as a front-runner bank in creating bulk-clearing for the Danish Krone, underlining its commitment to building a global payments infrastructure. P27 has been acknowledged as a vital initiative to address the disparate clearing systems currently operating across the Nordic region. Banking Circle sees its membership of P27 as a crucial piece in the jigsaw to remove the cost and time currently experienced in domestic and cross border payments to and from the region.

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How embedded finance is bringing innovation to the lending industry

Embedded finance is making waves in the lending industry by challenging the status quo – giving rise to a new breed of Fintech provider: the Lendtech.
While the goal of Lendtechs is not necessarily to compete directly with incumbent financial institutions on their turf, embedded finance – and subsequent embedded lending – has dented their market share. These legacy providers now have a choice: stick to what they know or embrace the opportunities embedded finance creates for their products and services by working in partnership with Lendtechs.

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Kompli-Global launches unique database for corporate fraud detection and prevention by completely rebuilding and risk assessing Companies House registries

FraudTech specialists launch Kompli-Investigate™ to help businesses in the payments and wider financial services sector to complete potentially missing pieces of the due diligence puzzle and present them with a complete insight into a corporate’s ownership, its related parties, and its propensity to be linked to fraud and financial crime. 

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The benefits of starting a card programme for your customers

With more and more fintech start-ups cropping up with shiny new card programmes, it’d be all too easy to assume launching one yourself would be counterproductive. But owning a card programme comes with a whole host of benefits, regardless of the competition, and it’s never been easier to launch one. Discover the benefits of starting a card programme for your customers in Moorwand’s payment guide.

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