Two separate landmark moves from Santander and Upstart signal a new era of autonomous, AI-native finance infrastructure developed at all levels of fintech industry.
As 2026 unfolds, much of the fintech discussion continues to focus on artificial intelligence. But the reality is: while AI will remain a central theme across financial services this year, in embedded lending and SME finance, the defining developments are rooted in more fundamental dynamics. The trajectory of 2026 is being shaped by three key […]
The era of the one-cent piece has reached its conclusion. Following a White House directive to the Department of the Treasury on February 9, 2025, the U.S. Mint ceased regular production of the penny, citing a production cost of 3.7 cents per unit. While the Mint completed its final regular run in November 2025, the […]
Adyen, the global fintech platform, has launched Fresha Capital, an embedded lending solution in partnership with Fresha, a marketplace platform for beauty, wellness and self‑care businesses.
Finastra has introduced a next-generation, cloud-native lending platform aimed at transforming how commercial loans are originated and processed by financial institutions.
Equifax has rolled out a new service Income Confirm that allows lenders to access verified employment and income information alongside traditional credit reports, marking a significant shift in how creditworthiness is assessed during credit card origination.
The new AI features are integrated directly into NEXA’s lending platform and include tools for drafting personalized messages, managing communication with borrowers, and automating routine tasks.
As 2025 has ended with millions of students completing a fall semester shaped by ongoing economic uncertainty, student lenders are preparing for a 2026 environment defined less by sweeping new rules and more by increasing focus around technical accuracy at origination. Regulators continue to focus on whether lenders are translating the unique structures of student […]
Pluto has launched an AI-powered lending platform that lets investors borrow against private-market assets without selling them, aiming to unlock liquidity in one of finance’s most illiquid corners.
Zignaly and ABHI have unveiled a new real-world asset crypto-powered investment product in the UAE, marking a significant step in connecting on-chain capital with real-economy SME financing.
U.S. household debt climbed to a record high in Q3 2025, underscoring a critical turning point for consumer finances and offering key signals for economists assessing the strength of today’s market.
Here’s a plain explanation of what a “Portable Credit Passport” for UK SMEs is, why there’s demand for it, and what the Smarter Contracts-led consortium and partners are trying to build under the Financial Conduct Authority (FCA) “Smart Data Sprint.”
A new wave of data-driven fintech innovation took center stage in Cape Town as Black Swan claimed the top spot at the MEST Africa Challenge 2025, highlighting how credit intelligence is reshaping financial inclusion across the continent.
The new Income Prediction Model from Credolab requires no personally identifiable information, financial history, or documents, enabling lenders to assess creditworthiness even when traditional income data is unavailable.
Sustainable finance is going AI. Across the globe, financial institutions are starting to lean on artificial intelligence to power green lending: loans that only go to projects or firms committed to environmental, social, and governance (ESG) goals. These AI-driven platforms help banks underwrite, monitor, and report on sustainability-linked loans with more speed, data, and transparency.
An updated version of UltraFICO, developed by FICO and Plaid, maps cash-flow insights into the FICO Score scale so lenders can use a single, recognizable score that incorporates transaction-level account flows.
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