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Fintech September 14, 2026Programmable Payments: Rules, APIs, and Smart Contracts
What programmable payments really are, how conditional instructions differ from programmable money, and where APIs, smart contracts, oracles and atomic settlement fit.
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Fintech September 12, 2026Merchant Acquiring: MDRs, Interchange, and Chargebacks
A mechanics-first guide to merchant acquiring, including merchant discount rates, interchange, scheme fees, processor costs, reserves, chargebacks and net revenue.
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Fintech September 10, 2026Cross-Border Payments: Why International Transfers Stay Hard
Why international payments require correspondent accounts, foreign exchange, compliance, liquidity and multiple ledgers—and how interlinking and tokenization could shorten the chain.
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Fintech September 9, 2026Mastercard and IFC Launch $500 Million Settlement Exposure Facility
Mastercard on September 9, 2026 announced the launch of a US$500 million global settlement exposure facility in partnership with the International Finance Corp. (IFC), a member...
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Fintech September 8, 2026StockX Adds Klarna Installment Payments at Checkout in US and Canada
StockX buyers in the United States and Canada can now select Klarna at checkout, extending a payments partnership between the two companies that was already live...
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Fintech September 8, 2026Banking-as-a-Service: The Engine Behind Embedded Finance
How sponsor banks, middleware platforms, program managers and fintech brands divide the ledger, compliance, payments and customer relationship in Banking-as-a-Service.
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Fintech September 6, 2026Open Banking vs. Open Finance: How Data Portability Works
A precise comparison of open banking and open finance, including consent, APIs, data holders, third parties, payment initiation, privacy and commercial models.
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Fintech September 4, 2026Real-Time Payments: Settlement, Speed, and Irreversibility
What makes a payment real time, how push payments differ from cards and direct debits, and why instant finality changes fraud, liquidity and operations.
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Fintech September 3, 2026Fiserv Small Business Index Holds at 145 in August as Sales Rise 1.3%
Fiserv, Inc. published its Fiserv Small Business Index for August 2026 on September 3, 2026, reporting that U.S. small business sales increased 1.3% year over year...
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Fintech September 2, 2026Card Networks: Issuers, Acquirers, Processors, and Fees
How a four-party card transaction is authorized, cleared, settled, priced, and disputed—and why networks, issuers, acquirers and processors are different businesses.
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Fintech September 1, 2026Block Opens Cash App Score to Outside Lenders via Nova Credit
Block, Inc. said on September 1, 2026 that it will open its Cash App Score to external lenders for the first time, naming Nova Credit as...
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Fintech August 31, 2026How Money Moves: The Complete Anatomy of a Digital Payment
A first-principles guide to payment messages, authorization, clearing, settlement, fees, and the ledgers that turn a tap into final money movement.
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Fintech August 19, 2026PayPal, Venmo Add Tuition Payments on Campus Platforms
PayPal and Venmo are now accepted for tuition and fee payments at U.S. colleges through integrations with the three platforms that run campus payment portals: Illumia,...
