John Adams

Firms like Amazon Go and Zippin are focusing more on data their systems collect that isn't captured by traditional point-of-sale systems. This information can play a key role in loyalty programs or back-office tasks such as tracking inventory.

The human resources consultancy Thrive and the money management firm Unifimoney say the appeal of digital assets is expanding for payments and payroll, despite the volatility that eliminated much of the currencies' valuation this year.

Even as companies like Apple make it less crucial to have dedicated payment terminals, Adyen sees a market for two new devices that can build on its strengths in e-commerce.

After enabling used-car sales with The Clearing House's RTP rail, the bank has implemented the same technology for real-time funding of vehicle loans.

A real-time refund can allow travelers to quickly rebook after a cancellation, and instant credits can make longer airport waits more bearable, according to fintech experts.

Jifiti is among the technology companies that want make it easier for retailers and banks to offer installment lending. The disruption caused by inflation and a hawkish Fed are combining to create an opportunity.

Business-to-business payments have long been stuck in the past, with a heavy emphasis on paper checks. The need for modernization has attracted a flurry of technology developers.

The prepaid card issuer's senior vice president of partner services and delivery, one of this year's Most Influential Women in Payments Next honorees, has had to address the impact of multiple global crises on the underbanked.

The very upstarts that gave the prepaid card issuer a run for its money in recent years are seeing their valuations fall and their belts tighten. At the same time, Green Dot CEO Dan Henry expects that it can help consumers manage their cash flow amid economic stress.

The payments company has agreed to acquire EVO Payments for $4 billion and sell off the consumer-focused portions of its Netspend unit as part of an industrywide emphasis on automated business-to-business payments.