NotFinancialAdvice

Capital One is beginning to integrate its credit card offerings onto the Discover network, issuing cards like Savor and Quicksilver to new customers. Existing cardholders will transition when their current cards expire. The integration is cautious, with premium cards still on Visa and cobranded partnerships remaining unchanged. Full consolidation is expected to take five years.

The business case for adopting real-time payments in enterprise settings is compelling. Instant settlement drives efficiency in processes long built around paper checks, while also giving organizations unprecedented control over

More than half of organizations now rank generative artificial intelligence as their biggest security threat, surpassing stolen credentials. The rise of AI-driven attacks—from deepfakes to hyper-personalized phishing—is upending cybersecurity, with speed and scale o

The European Central Bank has invited licensed payment service providers (PSPs) to help shape the long-awaited digital euro as it enters its pilot phase—a chance to prove the currency still has a role in the global payments landscape.
Participating PSPs will test t

Real-time payments have yet to become a true retail mainstay in the U.S., but trillions of dollars moved across the FedNow and RTP networks last year. Both networks recently increased their transaction limits to $10 million, dramatically expanding enterprise use

The original Bilt card, sponsored by Wells Fargo, was a good effort, but the revenue dynamics didn’t work. It is not the first failed co-brand to step outside the realm

Economic factors significantly influence consumer credit card decisions, impacted by interest rates, inflation, and personal finances. Key considerations include no annual fees, attractive rewards, and fraud protection. The Javelin report highlights growing credit card usage, signaling evolving market trends.

Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the

One of main challenges in combating scams is defining them properly. Romance, investment, and impersonation scams can take many forms and arrive through a wide range of channels.
Another critical issue is communication. One financial institution may uncover and

Six years after the Group of 20 (G20) introduced an ambitious roadmap to address long-standing inefficiencies in cross-border payments, global regulators say progress has been made—but many of the most persistent problems remain unsolved. In a recent keynote address

The best time to start investing for retirement is now, but conveying this message to younger adults can be challenging. Many Gen Z and millennial individuals face pressing financial concerns today, making it difficult to prioritize saving for a distant future

For many small business owners, the workday doesn’t end when customers leave. It continues late into the evening—logging into multiple dashboards, exporting spreadsheets, reconciling transactions, and trying to make sense of scattered financial data.
In the

High-profile data breaches at major retailers exposed thousands of consumers’ personal account numbers (PANs), spurring the adoption of tokenization—a solution that replaces sensitive account data with surrogate values, protecting both consumers and merchants.
As t

A plumbing company and a quick-serve restaurant have little in common operationally, but both now rely on specialized software platforms designed specifically for their industries. During the Software-as-a-Service (SaaS) renaissance, solutions emerged to serve

One of the biggest financial stories of the past year was the tariff war initiated by the United States. Despite shocks to global supply chains and economies, many nations weathered the storm surprisingly well.
A new report, _One Year On: Tariff

The humble demand deposit account has been the cornerstone of the financial services system for decades. However, banking customers who manage all their finances through checking and savings accounts at a single financial institution are in short supply.
At the

The costs of debit card fraud have increasingly tilted toward merchants, with retailers now bearing nearly half of the overall burden rather than banks or payment networks.
That shift is documented in biennial data from the Federal Reserve, which publishes its debi

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

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