Merchant

Petal's getting aggressive with its incentive marketing by approaching consumers with limited credit histories, and it's betting artificial intelligence can handle the higher risk.

The forces reshaping small-business lending are also leading to “a moment of reckoning” for small banks, says former SBA head Karen Mills.

Traditional authentication practices are incapable of meeting the real-time demands, writes Frank Teruel, senior vice president and general manager of ThreatMetrix.

The deals lets a North Carolina group skip the de novo process. West Town, which sold the bank, will use the funds to support a fast-growing business line.

Amazon is undeniably a juggernaut in the realm of e-commerce and digital payments — but its journey was filled with missteps and failed experiments.

Solving open banking's challenges requires a whole new approach to international payments beyond basic open development, says Marten Nelson, co-founder of Token.io.

First Data has had significant relationships with Citi, Chase, Bank of America and other large banks — but a report that Bank of America may be ending its joint venture with First Data could send waves throughout the payments industry for what it signifies.

Banks are not providing enough visibility into payments and cash flow to aid small businesses' decision-making, writes Erik De Kroon, CEO and co-founder of Yordex.

A crypto-based payments system from Facebook would create more competition and pressure legacy companies to up their game, says Eric Grover, a principal at Intrepid Ventures.

Google has made significant headway against merchant reluctance and branding confusion on its path to offer mobile payments. But an influx of contactless cards in the U.S. threatens another setback to mobile wallet adoption.