PYMNTS

Your payments got faster. Did your fraud detection? Instant bank payments have become a core part of how businesses pay out claims, collect loan payments and fund customer accounts. That speed is great for customers, but it leaves fraud teams very little time to act. The check has to happen before the money moves, not after. Join PYMNTS’ John Gaffney with Brian Dammeir of @Plaid, Stephen Sikes of Public and John Lynch of Avant on November 18 at 12 PM ET. They’ll cover how leading companies keep bank payments fast and simple while keeping return risk in check. Save your spot. hubs.ly/Q04Dt4l00

The embedded payments feature worked. Better than anyone expected. Then the costs started climbing too. Every new payment method, banking partner or market can bring another integration, another exception process and another compliance requirement. A program held together by custom integrations and manual workarounds gets expensive to run, even as transactions grow. Find out how to build embedded payments that can scale without starting over in the latest PYMNTS Intelligence report with @WEXIncNews. hubs.ly/Q04DThxm0

💸 @bottomlinepay completed its first live cross-border stablecoin payments through its Global Payments Hub, using Circle’s USDC on an intra-company transfer. Full story on PYMNTS. hubs.ly/Q04DTBMC0

Answering customers faster only gets you so far. “Customers today expect immediacy,” @Paysafe Chief Customer Officer Ali Wilkes writes in a new PYMNTS eBook. Her focus now is removing the reasons they need help. Find out how Paysafe is building journeys that answer customers before they have to ask. hubs.ly/Q04DT0kD0

💼 Sage is bringing banking, payments and reconciliation into its accounting software, with @Mastercard as card network partner and @Adyen providing the banking-as-a-service rails, starting in France. Full story on PYMNTS. hubs.ly/Q04DTh3j0

For two years, PYMNTS has tracked CFOs on a mission to get cash moving faster. Most of them pulled it off. 87% say their cash flow cycle improved, up from 71% the year before. AI got a seat at the table and started shaping where the money goes. Then the music changed. Customers and suppliers started pushing back, and fraud showed up right on cue. Faster cash, it turns out, needs a bigger bodyguard. Read the Time to Cash™ report from PYMNTS Intelligence and @jpmorgan to see where CFOs can find their next gains. hubs.ly/Q04DTmZr0

“You were one of the first to issue your own stablecoin. How’s that going?” That’s one of the questions PYMNTS CEO Karen Webster posed to @PayPal President & CEO Enrique Lores during their conversation at @Money2020. Follow PYMNTS to hear more from Webster & Lores on the future of payments. #Money2020

Banks, stop treating a passed authentication check as proof a payment is safe. “It doesn’t matter how sophisticated your authentication protocol is, if it’s actually me [the legitimate customer] who’s trying to initiate the payment,” @Paymentology CPO Stephen Bowe told PYMNTS. Watch the full interview to find out what else banks should be checking. hubs.ly/Q04DS_gm0

Buying AI tools is the easy part. Changing how a business works is not. On the latest episode of Fired Up with Paulette Rowe, Mark Sundt stops by the PYMNTS Business News Network to discuss why AI transformation is a leadership challenge, built on agency, trust, culture and a deep understanding of the customer. So how do culture and leadership shape performance in the era of AI? Subscribe now to find out:  🎧 Apple Podcasts: hubs.ly/Q04DSXRy0 🎧 Spotify: hubs.ly/Q04DSXRz0

It’s the last week of the month. A bakery owner stares at an invoice she can’t cover, and reaches for the business credit card. Across town, a contractor reaches for the same card. He’s buying the equipment that will grow his business. Same card. Very different stakes. 💳 Among the smallest borrowers, 48% used credit mainly to cover expenses they otherwise couldn’t pay. Among the largest, 55% borrowed mainly to manage or grow their business. See who gets room to breathe, and who gets room to grow, in “Borrowing Room” from PYMNTS Intelligence. hubs.ly/Q04DS-jF0

🇩🇪 @Affirm is buying Ratepay to grow its footprint in German-speaking Europe, with the deal expected to close in the first half of next year. Nexi CEO Bernardo Mingrone says the divestment keeps the company focused on core activities and a tighter portfolio. Read the full story on PYMNTS. hubs.ly/Q04DQtzw0

🔍 Nvidia’s board is reviewing reports that CEO Jensen Huang was a Chinese intelligence target, after he acknowledged a relationship with an executive US officials say shared information with Beijing. Full story on PYMNTS. hubs.ly/Q04DPXT90

🏛️ House Democrats are reportedly planning to expand Rep. Maxine Waters’ Crypto Investor Consumer Bill of Rights into a full market structure bill that strengthens the SEC and limits the CFTC. Full story on PYMNTS. hubs.ly/Q04DPYHk0

💼 Binance CFO Kaiser Ng is leaving after more than five years, days after hackers took $6.3 billion from the exchange in the largest crypto heist on record. Full story on PYMNTS. hubs.ly/Q04DMdY40

It’s 7 p.m. on a Wednesday in Manhattan. You can finally get away from work for that MRI. But MRIs typically only happen during business hours. Superscript CEO and co-founder Rahul Naidoo says plenty of people would pay 40% to 60% more for an after-hours scan. “Why is no one providing that after-hours MRI?” he asks. His answer is that patients can’t shop and prices aren’t broadly disclosed, so the demand never reaches the providers who could meet it. Watch Naidoo’s full Monday Conversation with PYMNTS CEO Karen Webster to hear what disclosed pricing could change. hubs.ly/Q04DM4bF0

The biggest AI model isn’t always the best security tool. @PayPal SVP and Chief Information Security Officer Shaun Khalfan found that skills, workflows and business context can matter just as much. “A smaller model with the right context and guardrails can be more precise, faster and more useful,” he writes in a new PYMNTS eBook. Find out what PayPal builds around its models that a bigger model alone would miss. hubs.ly/Q04DLLnJ0

Ready to pay. Ticket in the cart. Then the sale falls apart. U.S. fans walk away from $110 billion in experience purchases a year. Find out where those sales slip away in “The Experience Economy” from PYMNTS Intelligence and @Paysafe. hubs.ly/Q04DLHB90

About 146 million Americans already use AI for personal tasks. They ask it where to shop, how to manage their money and whether to see a doctor. So dropping “AI will change everything” won’t get you far in your next leadership meeting. But knowing what’s changing, who’s moving ahead and where the next opportunity lies will. On November 19, PYMNTS CEO Karen Webster kicks off The State of AI and The Prompt Economy™, an eight-part executive briefing series with original PYMNTS Intelligence research. You'll come away with... - Hard data to back up your perspective and challenge conventional wisdom. - Provocative predictions that give your team something worth debating. - Business implications that connect AI developments to the decisions on your desk. Don't miss it. Secure your seat now. hubs.ly/Q04DBDS30

⚡ @billcom cut underwriting case time from three hours to about 12 minutes using a trio of AI agents, CEO and Founder René Lacerte said on Thursday’s earnings call. Full story on PYMNTS. hubs.ly/Q04DBkSj0

They ask it to compare cards. They ask it how to dig out of debt. They ask it to build a budget. For 4 in 10 consumers who use AI to manage their money, it has fully or mostly replaced the way they used to get that help. But ask them to let AI handle the money itself, and the room goes quiet. Only 16% of consumers want that, down from 20% in late 2025. Even AI power users cooled, from 50% to 41%. They’ll take the advice, but they're keeping their hands on the money. 💸 Find out why banks are now competing with chatbots for their customers’ attention in The Money Prompt from PYMNTS Intelligence. hubs.ly/Q04DBhrJ0