Michael Doron

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

5

White-label partnerships are helping financial institutions bring payment solutions to market faster and with less risk. See how these collaborations are becoming a key strategy for monetizing B2B payments—especially for institutions that want to grow without building everything in-house. https://bit.ly/3FNdT2x

1

Many community banks launch credit card issuing programs with agent bank providers because they seem like the simple option. But that simplicity comes with trade-offs: 1. Low revenue 2. Limited control over your program or product design 3. Weak customer relationships There’s a better option. Owning a credit card program enables community banks to profit more, leverage local knowledge, win customer loyalty, launch quickly, and compete with big issuers in the market. 💡 You don’t need to build an issuing platform from scratch or settle for handing your customers over to an agent bank. Learn more about owning your issuing program in our new blog: https://lnkd.in/gtmZUDXF #communitybanking #creditcards #communitybank #issuing

14

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

5

🚨 𝗠𝗮𝗷𝗼𝗿 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗡𝗔𝗖𝗛𝗔 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲 🚨 If you're a 𝗧𝗵𝗶𝗿𝗱-𝗣𝗮𝗿𝘁𝘆 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿 (𝗧𝗣𝗦𝗣) operating in the ACH space—especially in fintech—now is the time to act. NACHA is tightening its fraud monitoring expectations, and TPSPs are squarely in the spotlight. The 2026 rule changes 𝗱𝗲𝗺𝗮𝗻𝗱 𝗽𝗿𝗼𝗮𝗰𝘁𝗶𝘃𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 to detect: ✅ Originators with unusual ACH volumes ✅ Rapid-fire transactions from newly created accounts ✅ Behavior consistent with money mule activity At Unit21, we’re here to help you stay ahead. From customizable rules like: 📌 Flagging new accounts receiving $10K+ in 7 days 📌 Catching 80%+ outflows within 48 hours We make fraud detection and compliance 𝘴𝘪𝘮𝘱𝘭𝘦 𝘢𝘯𝘥 𝘱𝘰𝘸𝘦𝘳𝘧𝘶𝘭. 🔗 Dive into Nacha's expectations and how Unit21 can help: https://hubs.li/Q03QMSZ00

10

Metropolitan Commercial Bank Forges Partnership with Finzly Metropolitan Commercial Bank has partnered with Finzly for its cloud-native, API-first payment platform. The deployment will consolidate all payment rails—ACH, wires, and real-time payments—on a single system via a modular approach that will enable the bank to phase out legacy operations over time. Headquartered in Charlotte, North Carolina, Finzly is a two-time Finovate Best of Show winner. New York City-based Metropolitan Commercial Bank has called it quits. The full-service commercial bank has retired its legacy ACH mainframe in favor of a new cloud-native, API-first payment platform courtesy of two-time Finovate Best of Show winner Finzly. “ACH is the most complex of all payment rails, having evolved over more than 50 years,” Finzly Founder and CEO Booshan Rengachari said. “With this, MCB has completed one of the most comprehensive cloud-native payment modernizations in the US today—spanning ACH, wires, instant payments, and international payments on a single platform. It’s a testament to the team at MCB and their achievement in accomplishing what is a bellwether moment for ACH and the industry.” Digital modernization continues to be a challenge for many institutions still relying on legacy infrastructure. In an effort to avoid the complexity of full ACH cloud modernization, many banks have elected to run a modern ACH platform alongside their legacy systems. The partnership between MCB and Finzly is unique because the bank is the first financial institution to adopt Finzly’s platform as its primary system, completely decommissioning its legacy ACH infrastructure. Leveraging Finzly’s unified platform will consolidate all payment rails for MCB onto a single system, including ACH, wires, and real-time payments. The platform uses a modular approach that will allow the bank to phase out all legacy operations over time, simplifying operations, boosting resilience, and enabling MCB to provide efficient payment experiences for its corporate commercial clients. MCB’s partnership with Finzly is part of the institution’s “Modern Banking in Motion” initiative, an infrastructure modernization project that reflects an industry-wide effort to find alternatives to aging payment infrastructures. Regulatory pressures such as new fraud monitoring requirements from Nacha coming into effect this spring—to say nothing of growing public demand for faster payments and real-time visibility—are bringing new urgency to the conversation on digital transformation in banking and payments. In their partnership statement, Finzly and MCB noted an American Banker webinar poll that indicated that 84% of financial institutions believe that the resilience of their current Fedwire and ACH infrastructure should be re-evaluated. “Finzly has been a strong technology partner for Metropolitan Commercial Bank,” MCB Founder, President, and CEO Mark R. DeFazio said. “Their unified payment platform and modular...

3

1 Comment

Sierra Central Credit Union, a financial institution operating 20 branches across Northern California, has chosen Lumin Digital to modernise its digital banking infrastructure. 📰Cameron Emanuel-Burns reports ⬇️ https://lnkd.in/ej3FhiU7 #BankingTech

22

𝐂𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐊𝐘𝐂 𝐨𝐮𝐭𝐜𝐨𝐦𝐞𝐬 𝐫𝐞𝐪𝐮𝐢𝐫𝐞 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐩𝐨𝐥𝐢𝐜𝐢𝐞𝐬 — 𝐭𝐡𝐞𝐲 𝐫𝐞𝐪𝐮𝐢𝐫𝐞 𝐚 𝐜𝐨𝐧𝐭𝐫𝐨𝐥𝐥𝐞𝐝 𝐰𝐨𝐫𝐤𝐟𝐥𝐨𝐰. CustomerPlus gives you a single workflow to run your entire KYC lifecycle — from onboarding and periodic refresh to remediation. • Every step of your KYC process is predefined, consistent, and enforced. • Ownership is clear — no dropped handoffs or unclear next actions. • Built-in controls ensure reviews happen in the right order, every time. • SLAs, escalations, and exceptions are managed automatically. • Full audit trail captured as work happens. The result? ✔ Faster onboarding ✔ Fewer errors and rework ✔ Predictable reviews and remediation cycles ✔ Stronger regulatory outcomes with less operational effort CustomerPlus turns KYC from a reactive task into a repeatable, controlled, and scalable process. #KYCWorkflow #ComplianceOperations #AML #CustomerDueDiligence #RegTech #CustomerPlus

3

This is spot on! We’re entering an infrastructure era for money movement, particularly with a huge focus on Africa: UK / Asia / Canada / US / EU 🔛Africa corridors. For anyone thinking about Africa: Invisible barrier caused by fragmented liquidity + settlement friction is the reason. Multiple clearing rails, FX controls, and limited correspondent corridors create a hidden tax on every cross-border flow. We need to fix APIs, and we also need to fix liquidity. • Practical interoperability: wallets and banks need shared settlement primitives, common API contracts, and local liquidity hubs (trusted custodians or pooled on- and off-ramps). Pair that with pragmatic commercial incentives (routing economics, revenue share for agents) and you get real, operable connectivity. • Stablecoin guardrails for scale: issuer transparency, regulatory-grade reserves, auditable on/off ramps, strong KYC/AML at the network layer, and CBU engagement. Together with Damilare Akinlotan and Andrew Lala, we will be unpacking these operational realities and the policy implications on the panel: “Africa’s Next Money Rails: From SWIFT to Stablecoins” Friday, Sept 5 | 2 PM WAT. Join us!!! https://lnkd.in/ggrQi83s #Payments #Stablecoins #Fintech #Africa #Interoperability

9

EVC for Virtual & Digital Cards Is Here! From my years of working in the technology and payment space, I’ve learned that what truly moves the industry are the relationships between businesses. For example, EMVCo ushered in the era of the EMV chip because the major players in the payment space pace aligned around a shared vision. At Ellipse, we live by that same principle. We listen closely to industry leaders, partners, and customers, to bring forward solutions that can truly make a difference. That’s why we’ve been hard at work behind the scenes to expand the reach of #EVC technology. While we have been busy launching EVC with physical payment cards, a growing number of our industry peers have been asking for a 100% digital solution to bring dynamic CVV/CVC to virtual cards. This includes everything from the fast-growing fintech innovators to seasoned payment card issuers embracing a digital-first approach. And so, we’ve answered the call with EVC for Virtual & Digital Cards. For digital-first issuers, EVC can now be integrated directly into Virtual cards in mobile banking apps. And because it’s built on the same universal EMV-native platform that powers our battery-free physical cards, issuers can seamlessly expand to EVC-enabled physical cards whenever they choose.I’m indebted to the entire Ellipse team that brought this to market in record time. And it shows the flexibility of our company; to listen to real-world needs and to respond in months, not years. Cheers to our team, our investors, and our partners! Read more about EVC for Virtual & Digital cards in the press release I’ve linked here. https://lnkd.in/guPhdGaw And if you’re in Paris December 2–4, come see EVC in action, across both virtual/digital and physical card experiences at #Trustech, booth 5.2 E 005. I invite you to stop by. And if you’d like to discuss how this can support your strategy, feel free to reach out. #fintech #paytech #virtualcards

107

16 Comments