U.S. Bank Enhances Credit Card Subscription Management

Smart small banks are moving and growing faster than ever. But they’re not doing it alone. Turnkey credit card programs are helping community banks and credit unions skip the build, keep the customer — and capture the full revenue stream. Instead of spending years and millions building infrastructure, these institutions are launching card programs in months: testing, iterating and competing head-to-head with national issuers. The result: faster growth, stronger loyalty and a real shot at reclaiming wallet share from the big five. In banking, speed and experience now beat scale. Read how turnkey credit card programs help smaller banks win wallet share in Liz Froment's latest for The Financial Brand: https://lnkd.in/eJPGwuDn #BankingInnovation #Fintech #CreditCards #CustomerExperience #FinancialServices #DigitalBanking

We launched Push/Pull to Debit on Jack Henry, thinking people would use it to send money to their accounts at other banks. It turned out the more pressing use case was something we hadn't considered. One of the first users connected their own business and personal accounts at the same bank, using Push to Debit to move money between them instantly. Then another user. And another. Looking into it further, we realized why. In almost every core, business, and retail accounts run on separate systems, and banks don't have an easy way to let customers move funds between them. It's often a point of friction requiring a remote check deposit or branch visit. The users solved their issue with Push to Debit all by themselves. And now with a few UI adjustments, Jack Henry can offer connected business-to-retail banking as a service to every bank that uses it's platform. Not through the very expensive project of trying to integrate two core systems, but with a simple push-to-debit use case designed by the end users themselves. Crazy what end users will show you when you just let them play with new tools.

Mastercard is stepping up its game in digital payments. Their new One Credential service lets users combine credit, debit, prepaid, and installment options into a single digital identity—giving Gen Z and other digital-first consumers more control and flexibility over how they pay. #DigitalPayments #Fintech #Mastercard #GenZ #PaymentInnovation #CustomerExperience https://lnkd.in/gSTxFtW4

💳 Prepaid is powering the next wave of digital banking. EQ Bank | Equitable Bank has surpassed $1 billion loaded onto its prepaid Mastercard — a major milestone for Canada’s leading challenger bank and a sign of prepaid’s rapid rise. In an interview with Fintech.ca, Head of EQ Bank Dan Broten explains how prepaid is evolving from a niche payment method to the foundation of “Prepaid 3.0” — programmable, embedded, and purpose-driven finance. From cashback and interest on balances to instant loading and fee reimbursements, EQ Bank is redefining what everyday banking can look like. 👉 Read the full Q+A here. #Fintech #EQBank #Prepaid #DigitalBanking #Payments #CanadaFintech https://lnkd.in/g3XXmvge

Capitec is rewriting the rulebook. Mobile and services now account for over a quarter of the bank's total revenue, underscoring a rapid break from traditional banking models. The rise of fintech is dissolving the old boundaries. How long until the separation between "banks" and "telecoms" becomes meaningless? The merger is happening now. 👉 Read more about their revenue shift: https://lnkd.in/dmYS9k4k #Publishared #TechCentral #Fintech #Banking #InnovationInAction #FutureOfBusiness

Real-time account funding has shifted from a nice-to-have to a competitive necessity. For banks, FinTechs and payments platforms, it can help close the gap between intent and action at the very moment a customer signs up, reloads a balance or transfers cash. For customers, it’s the difference between waiting hours or days, and tapping a phone to pay for dinner five minutes after opening an account, with the actual funds available depending upon the U.S. receiving financial institution. But in a market where patience is measured in seconds, that difference shows up in conversion, retention and call center costs. #paymentsplatform #fintechs #banks #realtimefunding

🔍 Functional Testing in Banking – Why It Matters 💳🏦 In the banking sector, accuracy and reliability are non-negotiable. Every transaction, account detail, and service feature must work exactly as intended to maintain customer trust and meet regulatory requirements. That’s where Functional Testing plays a vital role. ✅ It ensures: Smooth execution of transactions (deposits, withdrawals, transfers, bill payments). Accurate interest, fee, and balance calculations. Secure login and authentication flows. Compliance with industry regulations. Seamless integration across ATMs, POS, mobile, and online platforms. By thoroughly testing what the system is supposed to do, we safeguard banking applications against errors that could impact millions of users. In short – functional testing is not just about checking features; it’s about protecting trust, compliance, and customer experience. #Banking #FunctionalTesting #SoftwareTesting #QualityAssurance #FinTech

As complex as the cross-border environment has become, there have been some recent steps forward. One of the most substantial developments affecting the market has been the emergence of Mastercard Move and Visa Direct—platforms that leverage the global payment rails of these credit card companies. These solutions fill a gap created by the steady reduction in the number of correspondent banks in recent years. As a result, partnering with one of the remaining institutions has become increasingly costly and time-consuming. Read more: https://lnkd.in/dYm7GgeX #Payments #CrossBorderPayments #PaymentsOrchestration #FintechInnovation #DigitalPayments #FutureOfFinance #BankingInnovation

Digital payments processor Checkout.com submitted its application for a banking charter to the Georgia Department of Banking and Finance, the company said Friday. The U.K.-based firm is seeking Georgia’s merchant acquirer limited purpose bank charter to facilitate its U.S. expansion and gain direct access to the payment networks of behemoths Visa and Mastercard. https://lnkd.in/eMwJzPeG

💳Credit is one of the most powerful tools in financial services, yet many banks and fintechs are still constrained by outdated systems that lack the flexibility today’s customers expect. At Paymentology, we are changing that. We are proud to introduce PayCredit, our new, modern credit ledger and issuing platform designed for financial institutions that want to build and launch credit products faster, with greater control and precision. Customers now expect credit that fits seamlessly into their lives, from revolving balances and instalments to Buy Now, Pay Later options. Traditional systems weren’t built for that. PayCredit combines card issuing and credit ledger management in one unified platform, removing the friction that slows innovation and enabling financial institutions to deliver smarter, more flexible credit experiences. What makes PayCredit stand out: 🔷Real-time credit and transaction data 🔷Configurable limits, interest rates, and repayment models 🔷Integrated card issuing with Apple Pay, Google Pay, and Samsung Pay 🔷Flexible instalments and cashback rewards 🔷Global scalability via a single API 🔷UAT simulation testing that enables months of processing to be tested in minutes 🎥 Watch Rob Macmillan , our PayCredit Group Product Manager, share how PayCredit is transforming the future of credit innovation. https://lnkd.in/dJiwZzp8 #PayCreditByPaymentology #Fintech