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Card issuing accelerates access to funds and increases lending customer loyalty
The lending industry is affected by several external and internal forces. The COVID-19 pandemic has caused economic instability across continents, impacting consumer and SMEs’ consumption ability and choices, and thus their demand for unsecured loans. Moreover, it has driven further digitalization of lending services, customer onboarding, and KYC processes even for the more traditional lending providers. In Europe, increasing regulations such as the interest cap introduced in some countries limits the revenue
From Payment to Purpose
From Payment to Purpose When we founded Enfuce back in 2016, we set out to revolutionize the payment industry to serve customers in a better, faster, and safer way. Our aim is to change the financial industry for good by building sustainable and relevant solutions that have a positive impact on the world we live
How banks can overcome PSD2 compliance challenges
It has been one year since the EU’s payments directive, PSD2, was implemented. Timely implementation of compliant and reliable interfaces has been a struggle for many European banks. EBAs recent Opinion combined with public pressure from fintechs and early-mover Third Party Providers (TPPs) raises the bar for banks to maintain compliant and user-friendly APIs. This
The next big thing in open banking is partnership
As banks across the continent prepare to provide third-party access to financial data, Enfuce Financial Services and Suomen Asiakastieto exemplify how a collaborative fintech ecosystem can make the most of PSD2. PSD2 has opened the floodgates of financial data and Suomen Asiakastieto wanted to offer a single point of entry to banks and third parties
The New Era of Open Banking
What an exciting month! It has now been over two weeks since the latest PSD2 deadline, where European banks were obligated to provide a sandbox to third-party service providers (TPPs). We think that in order to thrive, banks need to view PSD2 compliance as part of a broader digital transformation and learn to collaborate rather than
Enfuce Business Services
The payments industry is undergoing a fundamental change, especially in Europe, where new regulations and rapid technological and business innovations are opening the market for new possibilities, both for existing and new players. In a business environment where competition is already tough and getting tougher by the day, it is important for companies to be
Enfuce Cloud Environment
Specialisation is the keyword in almost all industries nowadays. Looking at the car industry, during manufacturing each car part is built by a highly specialized company. One company makes the tires, another one the safety equipment and one builds the electronic interface. By specializing, companies become more efficient, as they can focus on their core
