Archive - Fintech Fundamentals

Amendments to the Uniform Commercial Code: Implications for Real-Time Payments

Last month, we released an article describing how changes to the Uniform Commercial Code (UCC) create an opportunity for a new digital, real-time…

Nov 21, 2023 •

and

August 2023

Know Your Business (KYB): The next frontier of knowing everything about your customers

Nyca has been focused on digital identity since our inception in 2014. Managing fraud and preventing illicit use of the financial system is a core…

Aug 8, 2023 •

February 2023

A Call for a Better Bureau

Part 3 of the series, "Fooling FICO, Contextual Credit, and a Call for a Better Bureau"

Feb 2, 2023 •

December 2022

Leading with Context: Credit in the Digital Age

Fooling FICO, Contextual Credit, and a Call for a Better Bureau

Dec 19, 2022 •

November 2022

FICO’s Ubiquity and Lender Complacency

At Nyca, we get very excited about credit, which like many areas of financial services, credit is undergoing a disruptive period. Why are we seeing…

Nov 22, 2022 •

and

August 2022

How BNPL Really Works

Part payment method, part credit product, Buy Now Pay Later offers a window into the next generation of innovation in consumer lending

Aug 4, 2022 •

May 2022

Nowhere-near-instant ACH payments

Why the most common payments method in the U.S. can leave you waiting days to access funds

May 2, 2022 •

April 2022

Introducing Fintech Fundamentals

Unpacking how fintech works, from the ground up

Apr 27, 2022 •

and

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