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The BNPL provider has made strong inroads in the US but faces steep obstacles in growing its market share

It鈥檚 a major win for the P2P player as the Trump administration dismantles the agency

Banks are competing with digital wallet ecosystems for a growing mountain of mobile P2P payment volume. For Zelle, volume growth helps its bank partners beat back disintermediation threats by directly engaging P2P customers. For fintech competitors, P2P growth can translate to embedded finance revenues鈥攅ven among teens.

That includes information associated with credit cards, checking and savings accounts, prepaid cards, and digital wallets. This will make FIs custodians of consumer data, rather than owners, but they will remain responsible for data security, risk management, and consumer privacy. Integrating AI and data into chatbots and virtual assistants will give PFM tools forward-looking capabilities.

It鈥檚 also narrowed its focus to three core segments: checkout, digital wallets, and Braintree. But investors haven鈥檛 been won over by changes: Shares are down almost 18% this year and down more than 80% from 2021 highs.

Fintechs and digital wallets like Google Pay are making it easier than ever for consumers to maximize rewards. That improves customer satisfaction but could become a problem for issuers: They rely on a certain amount of rewards breakage and sub-optimal use to finance these expensive programs. Expanded BNPL.

India has some of the world鈥檚 strongest digital wallet use and real-time payments penetration, which sets up promising opportunities for the likes of Apple Pay. Why it makes sense for Apple:. Apple can use cards and Apple Pay to strengthen customer loyalty and drive volume. New rules set for the end of next year will limit the payment volume that firms can process via UPI.

The tie-up also makes Marqeta a more attractive card partner for fintechs

The tie-up can help attract younger travelers and aids in Venmo鈥檚 monetization journey

The BNPL provider expanded its merchant network and pushed in-store. A potential Apple Pay deal could help raise its profile

Investing in card-linked installment offerings can help credit unions and community banks compete with larger issuers

The BNPL player鈥檚 revenues doubled in Q4 thanks to users鈥� more frequent purchases