Digital bank Green Dot announced a new partnership with Samsung Electronics to add new features and functionality to Samsung Wallet1, the secure, go-everywhere app for conveniently using and organizing daily essentials. Leveraging Green Dot’s comprehensive and configurable embedded finance platform, Arc, Samsung Wallet’s U.S. users will soon have access to Tap to Transfer2, a peer-to-peer (P2P) tool enabling users to quickly transfer funds within minutes3 from Samsung Wallet to other digital wallets or contactless debit cards, with additional features and functionality planned. Arc is the embedded finance platform of services featuring all of Green Dot’s secure banking and money processing capabilities designed to fuel value, loyalty and growth for consumers and businesses. Integrated with Green Dot Bank, Arc provides partners with leading FDIC-insured banking products and tools, plus regulatory and compliance expertise, oversight and support. “Our partnership with Samsung presents an enormous opportunity to bring convenient and instant peer-to-peer payments to Samsung’s vast user base,” said Crystal Bryant-Minter, SVP, Money Movement, Green Dot. “It also exemplifies Arc’s potential to power leading brands with seamless, secure financial experiences that deliver real value to everyday consumers.”
Clearent’s solution enables SaaS providers to embed merchant financing from a capital as a service platform directly into their software ecosystems via a simple API or branded loan widget
Clearent by Xplor has launched Xplor Capital, an embedded financing solution for software providers and their merchants. This is made possible through a strategic partnership with Parafin, a capital as a service platform specializing in capital solutions for small and medium-sized businesses. The extension allows Software-as-a-Service (SaaS) providers to integrate merchant financing capabilities directly into their software ecosystems. With 67% of US small-business owners planning to pursue funding within the next 12 months, 77% are concerned about accessing capital. Xplor Capital allows software providers to offer pre-approved funding options based on sales data, fueling growth and increasing software platform engagement. Key Benefits of Xplor Capital: Frictionless Financing: Merchants receive pre-approved funding offers based on their sales volume, eliminating lengthy applications and credit checks. Embedded Growth Solution: Software providers can integrate Xplor Capital with a simple API or branded loan widget, increasing the value of their software. Increased Revenue: Businesses using financing can see a revenue boost. Predictable Transparent Repayments: Merchants repay their funding through a one-time fixed fee, and automatic deductions from a fixed percentage of sales, with no late fees or hidden interest.
Moderne and Diffblue partner to support app modernization by combining automated and deterministic code refactoring across entire codebases and agentic AI testing to catch potential bugs before they happen
Automated code refactoring company Moderne and AI-powered unit test writing agent developer Diffblue announced a partnership to deliver an integrated solution for enterprise application modernization. By joining forces, the two companies aim to help large organizations will be able to upgrade and modernize applications based on extremely large codebases with greater speed with less worry. The collaboration combines Moderne’s code transformation capabilities with Diffblue’s autonomous agentic AI testing capabilities to catch potential bugs before they happen. Moderne is built on the OpenRewrite open-source project, which provides automated, safe and scalable transformation across entire codebases. It’s deterministic, which means that it’s predictable for any task, including cloud migration, framework upgrades, security fixes and language updates. That’s important because the larger the codebase, the greater the chance that any update could introduce an issue — updating from an older version of Java, for example, version 8 to a more modern version such as 17. Through the integration, Diffblue’s testing capabilities will be built directly into Moderne’s OpenRewrite recipes so they can run at large scale during application transformation. They will also be activated within Moderne’s multi-repository AI agent, Moddy, to provide test coverage for mass-scale changes.
First Internet Bank offers “high-fidelity ACH” wherein the bank sends out test messages with each large payments file to ensure when those transactions are being received by the Federal Reserve
Standard ACH payments can still take up to four days. First Internet Bank is stepping up to fill that breach with its “high-fidelity ACH” system, wherein the bank sends out test messages with each large payments file (like a “canary in a coal mine”) to ensure when those transactions are being received by the Federal Reserve. In turn, this gives business customers a bird’s-eye view to track those transactions via an application dashboard. Hence, the bank’s business customers, such as Check and Ramp — which are piloting the service — can see exactly when payments clear, and reliably guarantee that their end customers (payroll recipients) are getting their money on time. First Internet Bank has been working with Increase for more than two years in developing and rolling out an ACH system that helps business customers continue to reliably deliver their own payments on-time while offering a clear view of how the payments are progressing on an Increase-developed application and when they hit at the receiving depository financial institution, or RDFI. There have been “a series of improvements,” according to Lorch, as the bank and the Bend, a fintech startup have refined their approach and the technology. For his part, CEO and founder of First Internet Bank’s technology partner Increase, Darragh Buckley, sees his company’s facilitation of ACH payments as more of a means of building improvement on the existing system, rather than trying to rip out the entire network and try to start anew. “No one really wants excitement in their payroll,” said Buckley, who previously was employee No. 1 at digital payments giant Stripe. “We want it all to progress boringly [so that] the payroll client knows they have done their job [and] can sleep better at night.”
Catena Labs aims to be the first fully regulated AI-native financial institution enabling AI agents to transact with regulated stablecoins and offering near-instant settlement, minimal transaction costs, and easy integration with AI workflows
Catena Labs announced its plan to establish the first fully regulated AI-native financial institution (FI) designed to serve the unique needs of the emerging AI economy. The company released a new open-source project defining protocols and patterns for agentic commerce. The company also confirmed an $18 million financing round led by a16z crypto, with participation from Breyer Capital, Circle Ventures, Coinbase Ventures and others. The company aims to address the shortcomings in legacy financial systems that make them poorly suited to the needs of AI agents and agentic commerce. “AI agents will soon conduct most economic transactions, but today’s financial systems are unprepared and resistant to interactions with automated intelligence,” said Sean Neville, CEO and co-founder of Catena Labs. “That’s why we’re building an AI-native financial institution that will give AI agents, and the businesses and consumers they serve, the ability to transact safely and efficiently.” The company is building upon protocols, patterns, emerging standards, and open source components to address new requirements AI agents create for identity and payments. Today, the company released the open source Agent Commerce Kit (ACK), which defines several of these open source building blocks. The company is building on ACK and other emerging standards to offer a broad suite of licensed financial services addressing new risk, security, and compliance challenges that arise from AI systems working as independent economic actors.
Worldpay partners crypto bank BNVK to offer customers instant stablecoin payouts across more than 180 markets without them having to hold or handle stablecoins themselves
Worldpay has teamed with cryptocurrency bank BNVK to promote stablecoin payouts. The partnership will let Worldpay clients in the U.S. and Europe make stablecoin payments to customers, contractors, creators, sellers, and other third-party beneficiaries across more than 180 markets almost instantly, without having to hold or handle stablecoins themselves. BVNK will enable the new stablecoin offering and crypto firm Fireblocks’ integration services will help facilitate the connection to Worldpay. Worldpay clients will be able to access the new stablecoin payout service through their integration with Worldpay’s payouts platform. When the pilot goes live in the second half of the year, stablecoins will be the first type of digital asset enabled as a payout option on Worldpay’s payout platform. Worldpay’s payout platform currently supports 135 traditional currencies, and the company processed nearly $2.5 trillion in payments last year. John McNaught, head of payouts at Worldpay, said “Our new stablecoin payout service allows clients across all Worldpay’s verticals—such as marketplaces, travel, and gaming—to make seamless payouts without handling digital assets themselves.”
Microsoft proposes GenAI Intent-based routing (IBR)- Customer Intent Agent discovers and manages intents, while IBR uses those intents to route conversations, connecting customer needs to the right support resources with speed and precision
Intent-based routing (IBR) is a generative AI-powered capability that routes customer queries based on real-time intent recognition and dynamic user group assignment. It is enabled by the Customer Intent Agent, which autonomously discovers and manages customer intents by analyzing past interactions and builds an evolving intent library. Customer Intent Agent discovers and manages intents, while IBR uses those intents to route conversations, connecting customer needs to the right support resources with speed and precision. Once an intent and its group are identified, IBR routes the conversation to the appropriate user group based on the mapped intent group. Next, IBR assigns it to the best-suited support representative within the group, based on their capacity, presence, and other routing attributes. This enables faster, more accurate resolutions. By turning intent from a passive insight into an active, intelligent routing decision, IBR becomes the operational backbone of an intent-driven contact center. Subsequently, this results in better assisted and self-service experiences. Implementing intent-based routing in your contact center can offer numerous benefits: Enhanced precision and personalization; Dynamic intent discovery; Streamlined routing configuration; Smarter workforce management and load handling; and Scalable and adaptable.
Intuit’s agentic AI can get customers paid 45% faster, an average of five days sooner through automated transaction matching and invoice review enabling it to offer personalized experiences in real-time
Intuit has been working on a generative AI revolution for over a decade, culminating in the creation of Intuit’s GenOS, launched in June 2023. GenOS powers all of Intuit’s generative AI and agentic experiences, abstracting away the complexity of various underlying systems to allow for large-scale deployment of AI agents. The system now powers production-ready AI agents, including accounts receivable and accounts payable agents designed to automate cash flow management tasks. As chief AI and data officer Ashok Srivastava, Intuit’s agentic system can get customers paid 45% faster, an average of five days sooner, thanks to automated transaction matching and invoice review. This tangible outcome matters more than the underlying model count, as it allows Intuit to personalize AI experiences in real-time, delivering cash flow forecasts, intelligent recommendations, and context-aware automation tailored to the customer’s immediate needs. Intuit’s commitment to open source is another pillar of its strategy, with projects like Admiral, NumaProj, and Agroproj contributing to the broader community and leveraging the best available technologies. Intuit has received the End User Award from the Cloud Native Computing Foundation twice, and its platform powers a suite of widely-used products including QuickBooks, TurboTax, Mailchimp, and Credit Karma. Srivastava believes that AI agents can help small businesses and consumers do better, as many US firms are under pressure from economic changes and face reduced access to capital. He also remains optimistic about the use of AI in the field of art, seeing it as just another medium, not a replacement.
Clear Capital’s integration lets lenders to initiate appraisal reviews from within the loan file itself and automatically upload completed documentation
Mortgage and valuation technology firm Clear Capital has integrated its automated appraisal review platform, ClearCollateral Review, with ICE Mortgage Technology’s Encompass Partner Connect. The move allows lenders to access appraisal review tools directly within their loan origination systems. Through the integration, lenders can initiate appraisal reviews within the loan file and completed documentation is automatically uploaded to the system. The platform includes several tools designed to support compliance and accuracy: ClearQC, which offers rule sets tailored to underwriting guidelines and regulatory standards’ Condition Model, powered by artificial intelligence, that compares property conditions using appraisal images against appraisers’ own ratings to identify inconsistencies; ClearPhoto, which uses AI to automate the review of photos and sketches; ClearProp, which consolidates property data, comparable sales and historical records for research and verification; Configurable Review Forms, which range from checklists to in-depth analyses, many of which are prefilled with objective data from appraisals. According to Clear Capital, the integration is intended to broaden access to automated appraisal review tools without requiring custom technical configurations, potentially allowing lenders to manage increased loan volume while reducing underwriting risk.
Talkdesk introduces a new ”operating system for customer experience”—built on multi-agent AI orchestration and Data Cloud, that unifies structured and unstructured data across every customer interaction, channel, and system of record
Talkdesk upended the customer experience (CX) market with the launch of Customer Experience Automation (CXA)—a new software category and platform purpose-built to automate the full complexity of modern customer journeys. The Talkdesk CXA platform introduces a new operating system for customer experience—built on multi-agent AI orchestration and fueled by the Talkdesk Data Cloud, which unifies structured and unstructured data across every customer interaction, channel, and system of record. By turning transcripts, call recordings, messages, and case notes (combined with customer data points from multiple CRMs and specialized systems) into actionable knowledge, the Data Cloud gives AI agents the context they need to solve real business problems intelligently, autonomously, and at scale. Talkdesk CXA deploys a network of specialized AI agents—each with a clear role, shared context, and the ability to collaborate in real time. This makes it possible to automate complex, cross-functional processes that span the front and back offices with precision, speed, and adaptability. Talkdesk CXA is also built for speed. With preconfigured use cases, low- and no-code tooling, and both industry-specialized and general-purpose AI agents, organizations can go live fast and start seeing value quickly. A unique differentiator of the platform is the AI Gateway that enables Talkdesk CXA to sit on top of any third-party contact center, whether on-premises or cloud-based. This allows businesses to seamlessly integrate Talkdesk AI-driven solutions.