NotFinancialAdvice

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

The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6

For years, compliance and security concerns kept many financial institutions on the sidelines of the digital asset market. Now, that hesitation is giving way to cautious optimism—and, increasingly, active participation.
That shift is due in part to the passage of t

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

Once artificial intelligence achieved conversational capabilities, organizations rushed to deploy AI in customer service use cases like fast-food drive-thrus and online shopping. Financial institutions followed suit, leveraging AI chatbots and virtual assistants to

In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities. 
In a PaymentsJournal Podcast,

More than a decade after the Dodd-Frank Act redrew the regulatory boundaries of the banking industry, two Republican senators are seeking to revisit one if its key thresholds—a move that could steer millions in additional debit card revenue to community banks,

Secure real-time payments are foundational to the open banking model, enabling users to pay directly from their bank accounts across a wide range of use cases. This capability is largely delivered through APIs provided by third-party fintechs.
This is the model

Cities are adopting contactless payments for public transit to enhance convenience and reduce queues. Seattle's ORCA system will allow card taps and mobile wallets, improving efficiency during major events. This shift supports increased ridership and economic growth while maintaining options for those needing prepaid cards.

Over the past two decades, payment systems in most developed markets have moved from slow, multi-day processes—like checks—to near-instant transfers between counterparties.  Yet, while buyers can now move funds in real time, many still delay payments, often to

In the post-COVID era of remote work, organizations often struggle to find meaningful ways to recognize their top performers. In-person celebrations are not always possible, and traditional physical gifts can sometimes feel impersonal or difficult to deliver

MrBeast is moving into fintech by acquiring Step, an app aimed at improving financial literacy among young users. Despite concerns over misinformation and regulatory issues, his influence could significantly impact the competitive landscape for digital banking among younger consumers.

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

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

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

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

Using debt to fund gambling activities is a highly risky proposition, even more so when transaction fees are involved. That’s why online betting giant FanDuel will no longer allow customers to fund accounts with credit cards.
The ban will apply to the company’s

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