CREDIT CARD TERMS AND CONDITIONS CREDIT GUIDE INFORMATION STATEMENT

whitePaper | April 30, 2022

As the demand for real-time payments grows, so does the need for financial institutions (FIs) to offer more robust access to faster and more efficient payments. The Clearing House’s (TCH’s) RTP network laid a solid foundation for use cases and connectivity protocols, but some FIs have been waiting for FedNow before deciding how to move forward. FedNow is finally about to launch.

whitePaper | November 30, 2022

This white paper provides important information for banks and other financial institution (FI) professionals on the requirements and needs necessary to modernize payment engines while also increasing business customer adoption of electronic payments. It discusses the challenges inherent when businesses try to leverage their accounting systems to generate and transmit payment files, the preprocessing of customer-driven payments, management and servicing, and the logic-based needs for better payment channel routing.

whitePaper | January 9, 2020

The United States played a starring role as the rest of the world watched the President become the third leader in history to be impeached by the House in December. Our chief protagonist kept investors guessing by prolonging the ongoing US-China trade wars while simultaneously applying a slew of tariffs across Europe, South America, and elsewhere in Asia.

whitePaper | December 10, 2019

Customer interaction and channel preferences have experienced significant changes over time and are constantly evolving and expanding across all industries, including banking. To consolidate customer satisfaction and cultivate customer advocacy, banks must endeavour to continue to meet these changing needs through use of innovative and progressive technology

whitePaper | October 11, 2022

Over the past 30 years, authentication for digital banking services has evolved, from basic user ID plus passwords to various multi-factor authentication methods using hardware tokens, SMS OTP, dedicated authenticator apps and embedding authenticators in mobile banking apps. The goal has always been to achieve the best balance between security and user experience. But despite all the progress, one thing remains unchanged: everyone continues to depend on passwords, no matter how much end users and financial institutions dislike them. Until now

whitePaper | December 11, 2021

Financial inclusion is a well-recognized global issue: 1.7 billion people are “unbanked” – lacking an account at a financial institution or mobilemoney provider – according to the World Bank.1 Meanwhile, many small- and medium-sized businesses face challenges in realizing benefits from the current financial system. Individuals and small businesses may not be able to access financial services; if they can, those services may not be of high quality, suitable or affordable. The World Bank defines financial inclusion as the ability of individuals and businesses to access “useful and affordable financial products and services that meet their needs”.2 Financial inclusion is a complex global problem that existing systems and offerings have so far failed to solve.