FICO & Plaid Launch Next-Gen Cash-Flow Credit Score
FICO and Plaid have partnered to deliver the new Cash Flow UltraFICO Score, bringing real-time cash-flow data into credit scoring. The model expands access to credit by factoring in income stability and spending behavior rather than relying solely on traditional credit files. This shift aligns with growing demand for fairer, more dynamic lending models. The collaboration positions both companies at the center of open-banking-driven innovation. It reflects regulatory pressure to modernize underwriting and supports lenders seeking richer financial insights. Expect broader adoption of cash-flow underwriting across fintech lenders and financial institutions.
Video of the Day
Insight of the Day
Adyen’s Approach to Agentic Commerce
Hey fintech friends, ever feel like the future is sneaking up on you? This morning, I imagined myself asking an AI assistant to “just buy my usual coffee beans,” and it actually tried to do it. No app, no website, just a chat and a confirmed order. This really could be the future, or I would say even the near future. Agentic commerce, where AI agents do the shopping for us, is no longer in the distant future; it’s slowly becoming part of our daily conversation. And if you’re a fintech nerd like me, you know this raises equal parts excitement and existential unease. Are merchants about to lose touch with customers to some algorithmic middleman? Who’s keeping an eye on fraud when bots start buying at scale? As I dug into Adyen’s latest moves in this space, I realized they’re not just asking these questions; they’re building the answers. Let’s unpack what Adyen is up to with agentic commerce, what they unveiled in their recent Investor Day, and how it stacks up against Stripe, Visa, and the rest of the cool kids.
Curated News
💳 Payments
Zilch Partners with Arsenal to Expand Branded Pay-Later Reach
Zilch signed its first major brand partnership with Arsenal FC to boost BNPL adoption among football fans and drive retail engagement. The move positions Zilch to deepen its everyday-spend footprint across lifestyle sectors.
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PayTrace and TreviPay Bring Net-Terms Financing to B2B Merchants
The companies are launching a net-terms solution to help B2B sellers reduce credit risk and improve cash flow. The partnership brings flexible financing directly into B2B checkout experiences.
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Mastercard Rolls Out Open-Loop Transit Payments in Azerbaijan
Mastercard launched a new system allowing riders to pay with any contactless card, modernizing the country’s public transport. The rollout reinforces Mastercard’s global strategy for mobility payments.
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Ecommpay Integrates Apple Pay’s QR Feature
Ecommpay now supports Apple Pay QR flows, helping merchants convert offline shoppers more efficiently. The feature speeds up checkout and strengthens omnichannel experiences.
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Mollie Prepares for AI-Driven Agentic Commerce in Europe
Mollie introduced new capabilities to support AI agents initiating or completing payments. The update positions the company for the next era of autonomous commerce.
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MoonPay Invests in Zengo and Becomes Exclusive Payments Provider
MoonPay Ventures took a stake in Zengo Wallet and secured exclusive rights to power its payment flows. The partnership strengthens MoonPay’s position within crypto payments infrastructure.
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🏦 Banking
Monzo Surpasses 14 Million Customers with Strong Engagement
Monzo reported record user growth and engagement, reinforcing its status as one of Europe’s leading digital banks. New product adoption continues to accelerate.
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Pingo Doce Launches Online Store with Checkout.com
Portuguese retailer Pingo Doce partnered with Checkout.com to power its new e-commerce platform. The collaboration aims to support secure, scalable online expansion.
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💼 Fintech
BlackRock Integrates Luma into Aladdin Wealth Platform
Luma’s addition enhances Aladdin Wealth’s structured-product analytics and distribution capabilities. Advisors gain better tools to tailor complex investment solutions.
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Episode Six and Sharesies Launch NZ’s First Spend-to-Invest Card
The new card automatically invests a portion of consumer spending, making wealth-building easier for everyday users. It marks New Zealand’s first spend-linked investing product.
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OCC Adopts AWS GenAI to Modernize Post-Trade Operations
The Options Clearing Corporation is implementing AWS GenAI to enhance automation and risk management. The initiative supports modernization of the clearing ecosystem.
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Groww Parent Company Posts 12% Profit Growth
Strong user acquisition and increased retail investing activity helped drive double-digit profit growth. Groww continues to benefit from India’s thriving retail investment market.
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Mutakamela Digitizes SME Insurance with Neutrinos Platform
The insurer will use Neutrinos to streamline SME health and motor insurance processes. The partnership aims to improve onboarding, claims, and policy servicing.
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🪙 Crypto
Nearly $2B in Crypto Liquidations Amid Market Crash
A steep sell-off triggered mass liquidations across major exchanges, wiping out nearly $2B in positions. The event highlights the crypto market’s leverage-driven volatility.
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RateX Raises $10.4M for Solana-Based Trading Platform
RateX secured funding to build a trading platform leveraging Solana’s speed and low fees. The raise signals continued investor interest in Solana-powered financial infrastructure.
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MicroStrategy Maintains Bitcoin Strategy Despite Index Concerns
Michael Saylor reaffirmed that the firm’s $55B bitcoin strategy remains unchanged even as index-tracking eligibility is debated. The company’s long-term accumulation stance continues.
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BitMine Shares Drop After Weak Earnings and ETH Decline
BitMine stock fell after underwhelming earnings and a downturn in Ethereum’s price. Investors also cooled on tokenization-related hype.
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Four Key Stablecoin Insights from Finextra
A new analysis highlights regulatory evolution, institutional uptake, rising use cases, and interoperability as the main forces shaping stablecoins. Stablecoins continue to grow their role in digital finance.
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📜 Regulation
FCA Proposes Transaction-Reporting Reforms to Save £100M Annually
The FCA introduced new rules aimed at reducing compliance burdens for firms while maintaining oversight standards. The changes could significantly cut operational costs.
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EMVCo Explores Standards for AI-Driven Agentic Payments
EMVCo is researching how global payments standards can support transactions initiated by AI agents. The work prepares the industry for an emerging era of autonomous payments.
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🔧 Other
UK Announces Billions in New AI Investment
The UK government plans major new AI funding to strengthen innovation and competitiveness. The investment is part of broader budget priorities.
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