10 Credit Trends Transforming the Future of Banking
Credit is entering a pivotal new era. As customer expectations shift, regulations tighten, and digital ecosystems expand, banks are rethinking how credit should be built, delivered, and managed. The next generation of credit won’t be defined by interest rates or loan sizes — but by speed, embedded experiences, data-driven intelligence, and the ability to move […]
How Banks Can Power the Future of SME Payments with Modern Infrastructure
Small and medium-sized enterprises (SMEs) drive over 90% of global businesses – yet face a financing gap of $5.7 trillion. For banks, that gap isn’t just a challenge; it’s a massive opportunity to build the next era of business banking. Despite this, legacy infrastructure, limited credit visibility, and high servicing costs have made SME payments […]
Open vs Closed Loop Cards: The Architecture Behind Modern Card Programs
As digital payments scale across the MENAP region, card programs are becoming increasingly diverse, from gift and reward cards to fully digital credit and multicurrency card programs. Behind these innovations sit two architectural models that define how funds move: open loop and closed loop. Each serves a distinct purpose, influencing how cards are issued, where […]
Where Experience Meets Infrastructure: The Future of Mobile Banking Design
The way people interact with money is being rewritten.Instant payments, digital identity, and personalized insights have raised expectations — users now demand banking experiences that are fast, intuitive, and secure. The best banking apps deliver more than functionality; they deliver confidence. Every tap, transfer, and notification is an opportunity to build trust through design that […]
10 Must-Haves for Card Issuing in Today’s Payment Ecosystems
Many guides stop at five ‘must-haves’ for modern card issuing. In practice, winning programs need more. The realities of today’s payment ecosystems — from scheme connectivity and digital onboarding to lending capabilities, tokenization, and evolving regulation — demand more than a basic issuing stack. Here’s a pragmatic checklist of ten capabilities that define whether programs […]
Why Banks Are Turning to Commercial Cards in MENAP?
Commercial payments globally today are seeing a major transformation. Studies show that businesses that adopted commercial payments saw a 132% ROI in just three years. Commercial cards alone reduced Days Sales Outstanding (DSO) from 45 days to 15 days while improving debt collection rates by 20%. But is this the current scenario in MENAP? The […]
