These two emerging fintech vendors are redefining payments infrastructure for financial institutions and autonomous AI commerce.

Debit cards are the second-most-owned financial product among U.S. consumers.

Bank identification number (BIN) sponsorship is an attractive strategy for forward-thinking financial institutions.

Competition to win the hearts and wallets of consumers, especially Gen Zers and millennials, has never been greater.

Financial institutions cannot wait for regulatory clarity before investing in open-banking enablement.

Data and AI-powered customer intelligence are nonnegotiable.

New account growth favors alternative payment methods.

Payment resiliency has become a board-level, top business priority.

Over 50% of consumers now originate personal and auto loans outside their primary institution, with online lender usage increasing 71% since 2022.

Confidence in traditional credit data is declining among U.K. lenders.

Despite high credit card ownership, consumers are looking elsewhere for new accounts.

Sponsor banking can generate significant revenue and help banks diversify their business.

Four vendors are highlighted this quarter.

Many banks are leaving high-quality fee income on the table.