How Klarna’s U.S. Payments Innovations Are Going Beyond BNPL
Klarna's 'Pay Now' service, piggybacking on bank debit and credit, and its coming Klarna Card, greatly expand its reach.
Klarna's 'Pay Now' service, piggybacking on bank debit and credit, and its coming Klarna Card, greatly expand its reach.
Mobile apps ultimately are about service, not technology. Can yours deliver like Chime, Dave, MoneyLion and HMBradley?
Rising rates have refocused credit card 'revolvers' on the cost of interest, and climbing prices prompt innovative features from issuers.
Banks face new anti-discrimination scrutiny in all product areas, including deposit-account marketing, that goes beyond usual credit rules.
Tiny Quontic Bank spearheads a focus on wearable payments via its Pay Ring. It's up against smartwatches that sync with digital wallets.
Building a separate national digital banking niche brand may be the weapon of choice for fighting fintechs, big techs and other banks.
Digital banks & fintechs strive to set themselves apart with slogans that stress innovation, inclusion and frequently anti-bank snubs.
PayPal is expanding aggressively into nearly every corner of consumer payments — including BNPL and crypto — as they tread deeper into banking's turf.
Sitting out deposit rate battles may not be possible. Key customers will seek higher rates and competitors' best offers may be invisible.
Blending physical 'branches' it doesn't own with digital service about to be revved up helps Green Dot make money from people of modest means.
Between banks, credit unions, big techs and fintechs, the banking space is overcrowded, where there will likely be more losers than winners.
Apple Pay expands with a BNPL option, so people can make installment purchases at retail stores using its proprietary mobile wallet.
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Becoming a fintech unicorn confers status on disruptors with fresh banking ideas, but investors demand they produce even fresher thinking.
Banks building their own Buy Now, Pay Later programs can avoid regulatory headaches by looking at the mistakes fintechs have made.
Digital wallets, with growing usage, are evolving into 'super wallets,' threatening banking's strategic role versus big techs and fintechs.
Consumers report strong credit performance but higher usage by financially vulnerable must be monitored closely as inflation and rates rise.
Fintech startup taps blockchain and 'Web 3.0' technology to give people a simple way to engage in decentralized finance on a mobile phone.
Rising fraud undermines trust and threatens digital banking progress. Fighting back demands finding the right identity solution.
Reaching goals for speed to market and innovation may require more financial marketers to use this new type of 'building-block software.'
President's move favors central bank digital currency but doesn't quash other efforts. It also exposes critical risks demanding discussion.
Experience, being nimble and competing in business banking, rather than the consumer side, could put young Grasshopper into the black.
Change won't wait for digital laggards, yet many banks and credit unions still aren't focused on answering fintech and neobank innovation.
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