NotFinancialAdvice

After regulators in the European Union forced Apple to scale back its App Store payment rules, could Japan be next?
Apple recently announced changes to its app distribution rules and payment options in Japan, ostensibly to comply with the country’s Mobile

In today’s world, nearly anything a business or individual desires is available instantly. Yet, for most, receiving a payment still takes two to three days to clear, despite the availability of instant payments networks such as FedNow.
What will it take for instant

Running a business shouldn’t mean navigating a maze of payment options. But the sheer variety of ways there are to pay today puts pressure on businesses to accommodate every option—or risk losing a sale.
To meet this challenge, many businesses with simple payment n

Digital banking has trained consumers to expect speed, simplicity, and instant results. Yet, when those same expectations reach the commercial side of the house, many financial institutions fall short—leaving business clients stuck in slow, manual onboarding

ClearBank, the enabler of real-time clearing and embedded banking, has announced a collaboration with PhotonPay, an AI-powered global digital financial infrastructure provider offering payment solutions to businesses worldwide. Through this collaboration, PhotonPay’

Buy now, pay later pioneer Affirm has become the latest fintech to apply for a U.S. banking charter. Filed in Nevada, the application is the most recent wave of filings prompted by a more favorable regulatory environment at both the state and federal levels.
Affirm

Visa has been the sole card provider for the Olympic Games for roughly 40 years, but its dominant positioning has become a point of concern at this year’s Winter Olympics.
The main issue is that all official souvenir stores at the Milano Cortina games only accept V

As information highways have opened new avenues to the global marketplace, many business owners have been attracted to these new frontiers. However, there are unique challenges associated with cross-border operations that go far beyond currency conversions and

Once the domain of luxury cardholders, metal cards have evolved into a global phenomenon. Ironically, one of the driving forces behind this momentum has been the rise of digital payments—prompting more consumers to seek out a tangible payment device that conveys

The UK is implementing regulations for buy now, pay later (BNPL) loans to enhance transparency, ensure affordability, provide support during financial hardship, and allow complaint escalation, amid rising concerns about unsustainable consumer debt.

Despite recent contention over interest rates and transaction fees, credit cards remain firmly entrenched in the U.S. payments landscape. To capitalize on this ubiquity, Bank of

TikTok Shop has been at the forefront of the social commerce surge, where influencers’ live streams and product videos link directly to checkout. As a result, social platforms have become one of the fast-growing segments in e-commerce.
A key driver of this growth i

All indications are that 2026 credit card growth is upward, healthy, and under control, but watch out for rapid growth in unsecured installment loans. The good news is that these loans transfer high-risk credit card receivables to installment lenders. The bad news i

The gig economy is expanding globally, with many Filipino freelancers facing challenges in cross-border payments. Stablecoins offer faster, cost-effective solutions, attracting users amid easing regulatory concerns and meeting demand for quick transactions.

Late payments are more than just a headache for businesses—they contribute to thousands of closures each year.
Data from UK fintech Funding Circle estimates that roughly 14,000 businesses in the UK fail annually due to the knock-on effects of delayed payments—the e

The G20 aims to enhance cross-border payments, but challenges persist due to outdated systems and the correspondent banking model. Swift's new rules improve efficiency, targeting consumer and small business needs, with hopes to meet G20 efficiency goals by 2027.

Robinhood is jumping into an already crowded premium credit card market with the invite-only Robinhood Platinum Card. With a $695 annual fee and a range of perks, the card will compete with established offerings such as Chase’s Sapphire Reserve and the American

PhonePE and Google Pay hold dominant shares of India’s digital wallet market, where most transactions run on the Unified Payments Interface (UPI) real-time payments rail. While Apple Pay would enter an already crowded ecosystem, early signals suggest the tech

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.