This Datos Insights Fintech Spotlight examines four emerging fintech vendors addressing critical modernization gaps for financial institutions. EDGE delivers cash flow-based credit risk assessment and FCRA-compliant consumer reports to expand lending to thin-file and no-file borrowers. Hyperlayer provides programmable account infrastructure and AI transaction governance above any existing core without data migration. Infinant consolidates payment modernization, embedded banking partner management, and commercial virtual accounts in a cloud-native SaaS platform. Paige offers community banks and credit unions a co-branded digital legacy-planning platform to build multigenerational relationships and capture deposits during the Great Wealth Transfer. All four solutions enable nondisruptive modernization, allowing institutions to innovate at pace without the cost and execution risk of core replacement.
Clients of Datos Insights’ Retail Banking & Payments practice may access this report.
About the Author
Other Authors
