Innovation
How Passkeys Replace Passwords for Banking and Payment Logins
Passkeys swap a typed secret for a cryptographic key stored on your device, cutting off the phishing route into bank and payment accounts.
September 18, 2026
NUV Media — PAYMENTS · FINTECH · BANKING
Latest News
Banking
Banking Transformation Summit USA 2026 Maps Five Themes for Charlotte
The November 9–10 agenda in Charlotte reads as a checklist of what bank executives say they cannot solve alone: AI, core modernization, trust, customer…
September 13, 2026
Finance News
What an Acquirer Does Between a Swipe and Settlement
The acquiring bank routes the authorization, absorbs the merchant's risk, batches the day's sales, and funds the merchant's account — usually minus fees.
September 17, 2026
Payments
Payments
What Interchange Fees Actually Are — and Who Ends Up Paying Them
Interchange is the fee a merchant's bank pays the cardholder's bank on every card transaction, and it is set by the networks, not negotiated by the store on the…
August 28, 2026
Payments
How Regulation II Caps Debit Interchange Fees at 21 Cents
The Federal Reserve's Regulation II limits what banks with $10 billion or more in assets can charge merchants per debit swipe, and the gap between covered and…
August 20, 2026
Payments
Credit Card Competition Act Returns in 2026 With Presidential Backing
The Credit Card Competition Act of 2026, introduced January 13, would require the largest banks to enable a second credit routing network; it remains in Senate…
July 23, 2026
Banking
Banking
Federal Reserve Lifts FedNow's Transaction Cap to $10 Million
The Federal Reserve raised the per-transaction ceiling on its FedNow instant payment rail tenfold, effective January 1, 2026, clearing the way for larger…
August 10, 2026
Banking
How Overdraft Fees Work and What Changed Since Banks Cut Them
The average overdraft fee still runs about 27 dollars per transaction, per Bankrate's checking survey, even after four major banks eliminated the fee entirely.
July 27, 2026
Innovation
Innovation
What Regulation E Requires Banks To Do After an Unauthorized Transfer
Federal rules cap most consumer liability at $50 and give financial institutions a 10-business-day clock to investigate, with narrow exceptions stretching to 45…
August 21, 2026
Innovation
Network Tokenization Explained: How Visa and Mastercard Replace Card Numbers
Card networks now route most card-on-file and mobile transactions through a substitute number called a network token, and issuers say the swap measurably cuts…
August 17, 2026
Fintech News
Fintech News
How Chargebacks Work — and What Merchants Can Actually Contest
A chargeback reverses a card sale at the issuer's hand before the merchant hears about it, and the merchant's only recourse is evidence, not argument.
August 26, 2026
Fintech News
How a Card Chargeback Moves From Dispute to Final Decision
A chargeback pulls funds back from a merchant's account before any human at the business sees a complaint, and the clock the merchant is racing starts the…
August 18, 2026
Finance News
Finance News
CFPB's Regulation E Gives Banks a 10-to-45-Day Error Clock
Under 12 CFR 1005.11, a financial institution has 10 business days to investigate a disputed electronic transfer, or must provisionally credit the account and…
August 23, 2026
Finance News
Federal Reserve Caps Debit Interchange At 21 Cents Plus Fraud Fee
Regulation II limits what large debit card issuers can collect on a swipe to a formula set in 2011 that the Fed proposed lowering in 2023 but has not changed in…
August 12, 2026
Don't Miss
Banking
Fifth Third Completes Comerica Merger and Builds the Ninth-Largest Bank
Fifth Third Bancorp closed its all-stock acquisition of Comerica on February 1, 2026, creating a bank holding roughly 294 billion dollars in assets.
May 20, 2026
Finance News
How Credit Card APRs Track the Prime Rate When the Fed Cuts
Variable card APRs reprice automatically off the prime rate - 6.75% since the December 2025 cut and unchanged through the Fed's January and March 2026 holds -…
March 22, 2026
Innovation
How ISO 20022 Is Rewiring Payment Messages Across Fedwire and SWIFT
Fedwire switched to ISO 20022 in a one-day cutover on March 10, 2025, and SWIFT retired legacy MT payment messages in November 2025, giving banks structured…
June 3, 2026
Payments
How 3-D Secure 2 Cuts Card-Not-Present Fraud for Merchants
3-D Secure 2 lets issuers authenticate online card payments silently, and authenticated transactions shift fraud chargeback liability away from the merchant.
March 8, 2026