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 […]
