Papers

Financial Technology Association (FTA)

Just the Facts: Global Payments Innovation

This installment of “Just the Facts” discusses Global Payments Innovation. By leveraging internet and mobile technologies, fintech innovators offer consumers new payment and money transfer options that significantly reduce costs, speed access to funds, improve transparency and convenience, and enhance financial inclusion.

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Financial Technology Association (FTA)

Just the Facts: Buy Now Pay Later (BNPL)

The FTA’s “Just the Facts” series aims to inform financial technology policy discussions in order to safeguard consumers and advance the development of trusted, digital financial markets and services. This installment of “Just the Facts” discusses a new generation of fintech innovators known as “Buy Now Pay Later” (BNPL) companies offer consumers new payment options that can reduce debt and alleviate budget stress.

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Financial Technology Association (FTA)

Just the Facts: Bank Charters for Fintechs

The FTA’s “Just the Facts” series aims to inform financial technology policy discussions in order to safeguard consumers and advance the development of trusted, digital financial markets and services. The first installment of “Just the Facts” discusses how in the face of an increasingly concentrated banking landscape in the U.S., some fintech firms are seeking charters to offer consumers additional choice, targeted product offerings, and lower costs.

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Cheerful young african woman wearing coat walking outdoors, holding takeaway coffee cup, using mobile phone. Graphic of FTA logo and text that says Shaping the Future of Finance is combined with the image.

Shaping the Future of Finance

Introducing the Future of Finance.
Technology-driven innovation is transforming the way we offer, access, and benefit from financial services and markets in the United States.

By using internet and mobile platforms, machine learning, automation, and other modern technologies to deliver financial products and services, financial technology (“fintech”) companies are improving efficiency and transparency, broadening equity, access and inclusion, reducing costs, and increasing choice and opportunities for consumers and businesses.

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