NotFinancialAdvice

As many banks have scaled back branch networks, automated teller machines have become essential pillars of the financial services infrastructure. But that autonomy has also made ATMs attractive targets for hacking, exploitation, and physical breach.
ATM

Visa has been the sole card provider for the Olympic Games for roughly 40 years, but its dominant positioning has become a point of concern at this year’s Winter Olympics.
The main issue is that all official souvenir stores at the Milano Cortina games only accept V

Late yesterday Capital One announced that it had acquired the commercial payments and expense management fintech Brex for $5.15 billion, half in cash and half in stock. Analysts have been noting that the price is a sharp discount from Brex’s peak valuation of

In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities. 
In a PaymentsJournal Podcast,

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 past holiday season didn’t just test consumer wallets—it revealed how dramatically shopping behavior is evolving. As inflation-weary shoppers searched for flexibility, value, and convenience, gift cards emerged as a central tool in how consumers planned,

Small businesses increasingly rely on fintechs not just to accept payments, but to manage how and when they get paid. Invoicing—once a back-office afterthought—has become a core part of the payments experience. Because invoicing tools can be complex to build and

A single purchase request now triggers a web of approvals, data exchanges, and funding decisions that stretch far beyond traditional accounts payable and receivable processes. As AR/AP workflows grow more complex, banks and networks face a critical question: where d

The store most known for home décor could soon offer tokenized home equity loans, after Bed, Bath & Beyond unveiled plans to acquire Tokens.com.
The big-box retailer has leaned heavily into the “beyond” portion of its name since emerging from bankruptcy two years a

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

Agentic artificial intelligence moved a step closer to real-world commerce last week when Mastercard demonstrated an AI agent in India that located a product and completed the purchase without the user opening an app or manually entering card details.
Presenting at

The long-rumored BRICS payment system may finally be moving toward reality. A payment rail built on interoperable central bank digital currencies (CBDCs) has appeared on

As more financial institutions deploy artificial intelligence for key functions such as credit assessments, a group of UK lawmakers has raised concerns that the industry may be unprepared to withstand a major AI-related incident.
The lawmakers recently advised the

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

Over the past two decades, payment systems in most developed markets have moved from slow, multi-day processes—like checks—to near-instant transfers between counterparties.  Yet, while buyers can now move funds in real time, many still delay payments, often to

The UK is implementing regulations for buy now, pay later (BNPL) loans to enhance transparency, ensure affordability, provide support during financial hardship, and allow complaint escalation, amid rising concerns about unsustainable consumer debt.

Secure real-time payments are foundational to the open banking model, enabling users to pay directly from their bank accounts across a wide range of use cases. This capability is largely delivered through APIs provided by third-party fintechs.
This is the model

It has been less than a year since Visa and Mastercard unveiled platforms designed to give AI agents a larger role in retail—and actual purchasing power. In the months since, there has been a rush to build agentic commerce protocols, plan merchant integrations, and