Michelle Carter

With new services rushing in to fill a perceived gap in SMB banking service, banks can’t afford to hold back on innovation. SMBs are leaving traditional banks for fintechs that make it easier to manage money, pay bills, and keep track of expenses. Businesses need more than just a bank - they need tools that help run their finances smoothly and stay on top of operations. Pollinate gives banks the tools to deliver the services SMBs need, while keeping the trust and reliability only a bank can provide. #SMBSuccess #BankingInnovation #DigitalBanking https://lnkd.in/g5k3RBu9

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#ACHPayments: The unsung hero of B2B transactions! 🦸 While #instantpayments are making headlines, ACH payments are quietly revolutionizing the B2B sector. In 2024, ACH transactions skyrocketed by 11.6%, reaching an impressive 7.4 billion. The total value of these #payments surged to $58.2 trillion, proving that #ACH is a powerhouse in #businesspayments. Same Day ACH payments are also on the rise, making #cashflowmanagement smoother and more efficient for businesses. Curious to learn more about how ACH is transforming the B2B payment landscape? Read Bottomline's latest blog for all the details and insights. #realtimepayments #fasterpayments #USPayments

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Unlock transformed checkout experiences with FIS® Smart Basket. In this PYMNTS interview Mladen Vladic shares how dynamic payment logic & real-time purchase intelligence can enhance CX, save consumers money, reduce merchant fees and deepen issuer relationships. http://spr.ly/6043CdTaW #AI #Payments #Loyalty

Loyalty strategies are under pressure to deliver value earlier, more clearly, and in ways that fit into everyday spending. In this Q&A, Mladen Vladic, Head of Product for Payment Networks at FIS, explains how real-time rewards, payment-level integration, and everyday relevance are reshaping loyalty programs for today’s economic reality. A practical look at how brands, banks, and merchants can build loyalty that works when budgets are tight and expectations are high. 🔗https://ow.ly/FGZi50XXicC #CustomerLoyalty #Fintech #CX #LoyaltyStrategy

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Real-time payments are proving to be more secure than traditional methods like checks and ACH. Yet myths about fraud risk continue to slow adoption, with many banks still playing it safe. Speed doesn’t mean vulnerability when the right tools are in place. https://lnkd.in/gQHqEc9A

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#Creditunions need to be everywhere digitally because Main Street branches now live as icons on a consumer’s phone, and the winners will be embedded credit at the exact moment of intent instead of waiting to be found. Natasha Chilingerian, Union Credit, Credit Union Times

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This is HUGE! Unified standards don’t mean less competition—they actually encourage more. With shared standards, every new player can instantly connect to the existing ecosystem. Think about the Internet, Wi-Fi, Bluetooth, NFC, JPG, MP4, and more. Can you imagine living in a world where each hotel used its own unique wireless system instead of the Wi-Fi standard? Or where you needed dozens of different cables just to charge your phone? Standards are essential for the healthy development of any market. This Alliance itself is proof that fragmentation hurts progress, and that working together toward a single standard benefits everyone.

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For SMBs, payment behavior reflects business reality, not resistance to change. We have the tools. We have the technology. We have the clients. Yet, driving adoption is still a challenge. The latest PYMNTS SMB Growth Report, shows that many of the most cash-dependent businesses are also the most eager to move away from it. If they can get the right tools and support, that is. A good reminder that innovation alone doesn’t drive adoption. Solutions have to fit real workflows and come with human backup when it counts. Worth a read for anyone building, serving, or advising SMBs. https://lnkd.in/g4MHBDXN

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Amplero CRM helps banks and credit unions enhance customer engagement through behavior-based intelligence built into existing workflows - starting with Salesforce. Using account activity and transaction behavior, Amplero recommends relevant products and conversation paths - while documenting interest and refining performance through machine learning. - Data-driven accuracy - Intelligent recommendations - Embedded compliance and tracking Trusted decisions. Proven outcomes. Learn more: https://hubs.li/Q03zx7w10

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The future of lending is being shaped by faster digital transformation, embedded AI and stronger industry partnerships. In my latest piece for Trade Treasury Payments (TTP), I explore how cloud‑native platforms, smarter data and collaborative ecosystems are helping lenders boost agility and resilience. As we look toward 2026, the institutions that modernise their tech foundations — and invest in the people who use them — will be best positioned to lead. Read the full article here: https://okt.to/zGjuf5

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EMVCo is preparing what could be the biggest shift in card payments since tap-to-pay: a universal standard for how AI agents complete purchases. Autonomous shopping bots are already boosting conversion for power users by a wide margin, but they’ve lacked a simple and secure way to actually transact. That gap is finally closing. A new agent-present category will sit alongside card-present and card-not-present transactions. It allows AI agents to pay using delegated authority, with limits set by the user and tied to biometric authentication. There are no clunky 3DS detours and no added friction. Checkout simply flows through secure EMV tokens running in the background. Merchants will validate an agent’s credentials against a global EMVCo standard. When an agent meets the requirements, issuers take on the risk. When it doesn’t, liability remains with the merchant. This clarity helps prevent a patchwork of proprietary solutions and keeps the ecosystem interoperable across emerging protocols like x402, ACP, A2P and the existing card networks. By bringing together FIDO, SRC and network tokenization, EMVCo is moving autonomous commerce from early experimentation into real, scalable infrastructure. Developers, merchants and issuers should be watching closely. Agentic payments are about to reshape risk models, authentication flows and the consumer experience. Here’s the latest:

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Finastra and Circle Forge Strategic Collaboration to Bring Stablecoin Settlement to Cross-Border Payments “This collaboration is about giving banks the tools they need to innovate in cross-border payments without having to build a standalone payment processing infrastructure,” said Chris Walters, CEO of Finastra. “By connecting Finastra’s payment hub to Circle’s stablecoin infrastructure, we can help our clients access innovative settlement options.” https://lnkd.in/etrBdPdJ Sarah Mason Caroline Duff (née Beer) Radha Suvarna Rebecca Duckworth Boaz Krelbaum Jeremy Allaire Holly Maddox Matt Cavin #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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Still using scheduling tools that weren’t built for today’s banking demands? Here’s how leading institutions are solving gaps in efficiency, compliance, and customer experience. ✔ Real-time sync across branches and channels ✔ Built-in security and compliance you can trust ✔ Scales with your growth, not against it Schedule smarter, serve faster, deliver better results. 🔗Get growing, one booking at a time: https://hubs.li/Q03v13Zg0

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Long-term partnerships drive real innovation. At GFF, Srikrishna Narasimhan, CEO & Executive Director of GlobalPay WSFx, discusses how M2P’s deep expertise and agile solutions powered their new single and multi-currency card product. Watch him share what sets this collaboration apart. #GFF2025 #VoicesOfClients #M2PFintech #M2P

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💳 Mid-Year Pulse Check: Payment Resilience, Innovation & What’s Next As we hit the midpoint of 2025, businesses are navigating seasonal shifts in transaction volumes — and the pressure is on for secure, always-on payment infrastructure. TNS’s latest update highlights key trends: 📈 Smart SIM upgrades for lower latency and carrier-agnostic resilience 🌏 New APAC hub in Kuala Lumpur, expanding 24/7 support 🛒 Complete Commerce recognized at PayTech & Retail Systems Awards 🧠 Expert insights on payment orchestration, banking resilience, and unattended retail At Intro System Solutions Ltd and Baqe ni Viti, we echo this commitment to reliable, secure, and culturally attuned payment ecosystems — especially as we prepare to launch Cybex Payroll and bank-to-bank transfers across NZ, AU, and beyond. 🔐 Whether it’s PCI DSS compliance, passkey adoption, or real-time fraud mitigation, the future of payments demands agility, trust, and innovation. Let’s keep building systems that don’t just process transactions — they empower communities. #PaymentProcessing #DigitalTrust #CybexPayroll #BaqeNiViti #IntroSystems #FintechLeadership #SmartSIM #RetailTech #UnattendedPayments #FijiTech #APACInnovation

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🚀 Is your bank ready to move beyond legacy #ACH platforms? Finastra’s Global PAYplus and Payments To Go deliver modern, cloud-native ACH processing through a unified payments hub, integrating seamlessly with RTP, FedNow, Fedwire and SWIFT. 🤝 Built for scale, Global PAYplus is already helping a major US bank process 2 million ACH transactions in under 30 minutes and projected a 20% growth in their payment operations. Discover more: https://okt.to/BD2ci3 Radha Suvarna #FinastraPayments

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