P-to-P payments

Early Warning's Zelle P2P network processed $44 billion in payment volume over 171 million transactions during the second quarter of 2019, a growth of 56% in volume and 71% in transactions year-over-year.

Payconiq has built an omnichannel, multicountry payment platform that uses a mobile payment app to leverage existing bank infrastructure in order to make payments in-store and online payments as well as to send P2P payments.

The P2P service, based on the time its users spend with it, has the capability of luring users into other services attached to Venmo.

Ever since PayPal took control of Venmo as part of its 2013 purchase of Braintree, it has woven Venmo into more and more of its products. Even other acquisitions aren't immune to the spread of Venmo.

The pressure on banks, financial institutions and payment service providers to act as effective gatekeepers in the fight against financial crime is intense. Real-time payments considerably complicates that challenge, writes Sophie Lagouanelle, head of solutions at Accuity.

Today’s employees bring their own devices to work, split their time across multiple screens, and can conduct their jobs from anywhere. Business pay has to match that reality, says Billtrust's Flint Lane.

Investment in B2B fintech startups has been ramping up for the past couple of years, and in the next year we’ll start to see businesses reaping the benefits of the fintech wave, says Nvoicepay's Karla Friede.

The technology is too geared toward consumer use and leaves businesses out of the mix, argues Matt Johnner, president and co-founder of BankLabs.

Bento for Business is taking a page out of the Venmo P2P playbook in launching its own Bento Pay instant payment app for higher-value B2B payments.

Albert Ko, who had been the chief transformation officer of Intuit, says he will work to improve Zelle's interface to make it more appealing to consumers.