Fintech Dave continues to focus on the fintech sector with its advancements in AI-driven financial services, shareholder initiatives, and steady financial performance. As mentioned in the update from neobanking platform Dave, the company announced the full implementation of CashAI v5.5, an upgrade to its cash flow underwriting engine, alongside an expanded $125 million share repurchase program and steady second-quarter financial results. The introduction of CashAI v5.5 marks a pivotal advancement in Dave’s mission to level the financial playing field for everyday Americans. This latest iteration of its AI-driven underwriting engine nearly doubles the feature set of its predecessors, incorporating a broader range of data inputs to optimize credit outcomes. Trained on over 7 million matured ExtraCash originations, CashAI v5.5 demonstrates enhanced risk-ranking accuracy, resulting in higher approval amounts, improved conversion rates, and reduced delinquency and loss rates compared to Q2 2025 performance. By leveraging its massive cash flow dataset and advanced machine learning, CashAI v5.5 enables Dave to offer more accessible and profitable credit solutions. This upgrade aligns with Dave’s new fee structure, which eliminates optional tips and express fees for its ExtraCash product, enhancing monetization while maintaining strong member retention. Early results suggest that CashAI v5.5 will expand access to ExtraCash, improve credit performance, and drive gross profit growth.
Personetics gives banks Model Context Protocol server access to financial wellness models for agentic assistants, predictive nudges, and goal‑based coaching experiences
Personetics announced the launch of Personetics MCP Server, which enables banks to develop and deploy Agentic AI applications leveraging Personetics’ sophisticated financial models and actionable insights. With the MCP (Model Context Protocol) Server, banks gain direct access to Personetics’ capabilities—including financial behavior analysis, predictive analytics, and contextual engagement frameworks—through a secure, scalable server environment. This empowers financial institutions and fintech innovators alike to craft personalized, proactive Agentic AI experiences that guide customers toward smarter financial decisions. Highlights of the Personetics MCP Server include: Native Access to Financial Wellness Models – Banks can call Personetics’ AI-powered insights via MCP to power autonomous conversational agents, predictive nudging, or goal-based coaching experiences. Flexible Deployment & Messaging Control – Institutions define how insights are surfaced—whether through chatbots, mobile assistants, virtual financial advisors, or embedded platform modules—creating customized, mission-aligned agentic journeys. Accelerated Time-to-Market – By tapping into Personetics’ existing, market-proven actionable insights, banks dramatically shorten development cycles and reduce reliance on data science investments. Secure, Scalable Infrastructure – The MCP Server is built for enterprise-grade deployment, with privacy-by-design, auditability, and compliance with global financial regulations.
GPT-5-Codex automates coding tasks with self-correction, outperforms GPT by 17% on benchmarks; to be available in OpenAI’s paid plans with API access coming.
OpenAI introduced a new AI model, GPT-5-Codex, that it says can complete hours-long programming tasks without user assistance. The algorithm is an improved version of GPT-5 trained on additional coding data. It’s accessible through Codex, an AI programming tool included in paid ChatGPT plans. OpenAI says that GPT-5-Codex is better than its predecessor at complex, time-consuming programming tasks. “During testing, we’ve seen GPT‑5-Codex work independently for more than 7 hours at a time,” OpenAI staffers detailed in a blog post. GPT-5-Codex spots mistakes it makes during long coding sessions and fixes them automatically. According to OpenAI, the model’s ability to tackle time-consuming tasks makes it particularly useful for refactoring. That’s the process of changing an application’s code base not for the purpose of adding features but rather to improve its quality. Developers might, for example, wish to reduce a code snippet’s memory usage or boost response times. OpenAI evaluated GPT-5-Codex’s capabilities using an internally-developed refactoring benchmark. The model scored 51.3%, outperforming GPT by more than 17%. GPT-5-Codex can adjust the amount of time it spends on task based on its difficulty. As a result, the model processes simple requests significantly faster than GPT-5. “That means Codex will feel snappier on small, well-defined requests or while you are chatting with it,” the OpenA staffers wrote. The ChatGPT developer had employees send coding requests to GPT-5-Codex and ranked those requests based on their model-generated token counts, a measure of hardware usage. According to OpenAI, the bottom 10% used 93.7% fewer tokens than GPT‑5. The most complicated coding prompts, in contrast, cause GPT-5-Codex to spend significantly more time reasoning than GPT-5.
Israel’s Esh Bank splits revenue on current-account balances 50/50 with customers weekly, providing customers with clear visibility into the value created with their money partnerships
esh Bank officially announced Israel’s first hyper-efficient financial institution. After operating in stealth mode with invited customers for two years, esh Bank emerges as a fully operational institution that fundamentally reimagines how banks serve their customers through complete operational transparency and a proprietary revenue-sharing model. The bank’s innovative “Equal Sharing Model” shares 50% of revenues generated from customer balances in their current accounts, credited automatically to their accounts each week. This groundbreaking approach provides customers with clear visibility into the value created with their money, eliminating hidden fees and complicated conditions that characterize traditional banking relationships. esh Bank has achieved an exceptional, industry-leading operational efficiency by automating manual back-office processes and removing dependencies on operational staff. This enables the innovative equal sharing model while maintaining robust profitability. esh Bank does not charge any account fees and provides radically transparent banking services designed for both retail customers and small businesses. Its technology platform drives esh Bank – eOS, a breakthrough AI-native, full-stack core banking platform that integrates the general ledger, digital channels, compliance, payments, cybersecurity, and product creation into a single, fully real-time autonomous bank operating system. This technological foundation eliminates the data silos and manual processes that burden traditional banks, enabling the operational efficiency that makes the bank’s customer-centric model possible.
Walmart Business is piloting Pay By Invoice with TreviPay, offering eligible business customers credit with 30‑day net terms across online, app, and in‑store purchases
TreviPay, a fully managed B2B payments platform, has collaborated with Walmart Business to launch the next phase of the retailer’s Pay By Invoice program. The program enables eligible business customers to access a line of credit with 30-day net terms, powered by TreviPay’s next-generation payments and A/R automation technology. TreviPay’s Pay by Invoice offering enables buyers to defer payment, receive detailed invoices for streamlined recordkeeping and procurement, and manage cash flow more effectively. Pay by Invoice is part of TreviPay’s vision for Zero Touch A/R in B2B payments, where AI-enhanced underwriting and smart invoicing delivers guaranteed DSO and improved conversion for merchants. Manually managing accounts receivable slows business growth, increases errors and creates unnecessary friction in the purchasing process. By leveraging TreviPay’s payments technology and managed services solutions, businesses can streamline buyer onboarding, invoicing and collections—giving finance teams more control, better visibility and guaranteed cash flow. “The biggest opportunity in retail now is in B2B. Companies that capture this valuable segment will win with flexible payment options that integrate directly into the buying experience and maintain efficiency and control for the buyer,” said Brandon Spear, CEO of TreviPay. “Pay by Invoice helps companies purchase and pay in a convenient, effortless way.”
Google’s new Agent Payments Protocol (AP2) extends A2A and MCP with cryptographically signed mandates, standardizing authorization and accountability for agent‑led purchases across platforms and merchants
Google announced the Agent Payments Protocol (AP2), an open protocol developed with leading payments and technology companies to securely initiate and transact agent-led payments across platforms. The protocol can be used as an extension of the Agent2Agent (A2A) protocol and Model Context Protocol (MCP). In concert with industry rules and standards, it establishes a payment-agnostic framework for users, merchants, and payments providers to transact with confidence across all types of payment methods. Google is collaborating on agentic payments with more than 60 companies, some of which include Adyen, American Express, Mastercard, PayPal, Coinbase and Revolut. AP2 builds trust by using Mandates—tamper-proof, cryptographically-signed digital contracts that serve as verifiable proof of a user’s instructions. These mandates are signed by verifiable credentials (VCs) and act as the foundational evidence for every transaction. Mandates address the two primary ways a user will shop with an agent: Real-time purchases (human present) and Delegated tasks (human not present). This complete sequence—from intent, to cart, to payment—creates a non-repudiable audit trail that answers the critical questions of authorization and authenticity, providing a clear foundation for accountability.
CrowdStrike announced new integrations with AWS, Intel, Meta, NVIDIA, and Salesforce to embed Falcon protections across the AI stack—covering models, data, agents, endpoints, and cloud
CrowdStrike is extending Falcon protection across the AI ecosystem through innovations with the world’s AI leaders: AWS – Securing the full cloud AI lifecycle, from build to test, deployment, and runtime, with native integrations in Amazon SageMaker, Amazon Bedrock, and AWS Marketplace. Intel – Protecting data at the source with Falcon® Data Protection on Intel NPU technology, and with Dell’s trusted AI PCs, providing a stronger foundation for secure AI adoption. Meta – Launching CyberSOCEval, a new suite of benchmarks for evaluating how AI systems perform in real-world security operations. NVIDIA – Securing the full AI lifecycle for LLMs and Enterprise AI Factories – from build to runtime to posture management – with the Falcon platform and NVIDIA AI. Salesforce – Integrating Falcon® Shield into Salesforce Security Center and bringing Charlotte AI into Agentforce for Security to help customers protect their AI agent, workflows, and applications – uniting business and security teams on a foundation of trust. Daniel Bernard, chief business officer at CrowdStrike. “By embedding protection with the world’s AI leaders, we’re giving enterprises the confidence to adopt AI, innovate with AI, and secure AI, all while delivering revolutionary outcomes.”
Consortium Mplify’s Enterprise Leadership Council urged mandatory SASE certification across products and services, citing weaponized AI and escalating cyber risks, with signatories from major global enterprises
Mplify (formerly MEF) is calling for mandatory Secure Access Service Edge (SASE) certification across all products and services under its framework, citing escalating cybercrime, weaponized AI, and global conflicts as urgent threats to IT systems and critical infrastructure. The call comes through a new manifesto from Mplify’s Enterprise Leadership Council (ELC), signed by executives from major global enterprises including Accenture, Bloomberg, Burberry, Grab, Morgan Stanley, Siemens Healthineers, and TD Bank. The document argues that certification should become the baseline for trust in digital services, validating solutions against independently tested standards for SD-WAN, security service edge (SSE), and zero trust. “The Enterprise Leadership Council was created to ensure that enterprise voices directly influence Mplify’s priorities,” said Sunil Khandekar, Chief Enterprise Development Officer, Mplify. “This manifesto reflects that mandate and underscores the need for unity, strong standards, and clarity in how secure services are delivered. We fully support the ELC’s call to make SASE certification a foundational requirement for trust in the digital services ecosystem.” The ELC outlined three imperatives: require SASE certification across solutions, promote certified offerings through Mplify channels, and integrate certification into procurement processes to streamline adoption and reduce risk.
Intermex expands Payroll Card Program with Central Payments enabling no-fee international wire transfers through mobile app integration; eliminating check-cashing fees for employees
International Money Express, announced the expansion of its Payroll Card Program in partnership with Central Payments. The program enables U.S. employers to digitize payroll disbursement at no additional cost to employers, eliminating the burden of issuing paper checks or handling cash. Employees gain fast, secure access to their wages and the digital economy. As part of this initiative, Intermex and Central Payments also launched a new feature that allows Intermex Payroll cardholders to send international wires with no transfer fee directly from the Intermex mobile app and web platform. The no-fee wire feature underscores how payroll and digital remittance solutions can save families money, reduce reliance on costly check-cashing services, and expand access to financial tools anytime, anywhere. Marcelo Theodoro, Chief Digital, Product and Marketing Officer for Intermex. “Employees paid by check are often excluded from the digital economy and may incur significant fees to cash their wages. Adopting the Intermex Payroll Program provides an economic opportunity and a new level of care for employees.” “By combining payroll and remittance services, Intermex Digital delivers a convenient and cost-effective solution for our consumers,” added Theodoro.
US federal disbursements for disaster relief start to flow via FedNow
US government ‘disaster relief’ payments are starting to flow to individuals and businesses via Federal Reserve-developed instant payments platform FedNow in a move being promoted as a ‘game-changer’. With effect from this month (September), FedNow participants ‘may start receiving a new type of government payment for their account holders — instant disaster relief disbursements’, according to an announcement. The move is described as the ‘latest example of Treasury’s use of the FedNow Service for certain government payments.’ The first financial institution to receive an instant disaster relief payment was CB&S Bank, a full-service community bank. Federal Reserve Financial Services chief payments executive Mark Gould said, “The ability to receive these types of federal agency disbursements instantly via the FedNow Service will be a game-changer for individuals and businesses, especially in disaster or emergency situations where speed really matters to the recipient,.” “It will also be a key differentiator for financial institutions that enable access to these funds through their participation in the FedNow Service,” he added.