2022年9月14日

News Budget Insight是一家開放金融公司，與專門從事支付係統的金融科技公司CashSentinel合作，以優化用戶旅程。根據官方新聞稿，CashSentinel自2022年6月以來一直在使用Budget Insight的開放銀行技術，為汽車行業提供一種新的支付方式:啟動支付。“我的汽車門戶”平台是CashSentinel的解決方案之一，它使個人和汽車貿易專業人士能夠通過100%控製和安全的交易，在完全透明的情況下買賣汽車。這個門戶現在以Pay為特色，這是來自Budget Insight的支付啟動解決方案。Pay使客戶端能夠在不離開業務接口的情況下進行支付。企業可以直接通過您的應用程序結算賬單和工資。Pay還允許商戶發起支付、錢包充值和即時支付。來自Budget Insight的支付幫助CashSentinel提出了一個麵向未來的解決方案，支付更簡單、更快。目前在平台上推廣的這種支付方式已經被近10%的客戶使用，CashSentinel的目標是在2022年底前讓30%到40%的用戶使用這種方式。在支付階段，用戶經常麵臨信用卡支付限額的問題。 If they opted for a traditional bank transfer, they had to add a beneficiary to the bank account using the beneficiary's IBAN, to make the payment. They could do this themselves online or go through an advisor with validation periods sometimes being required. With payment initiation, this administrative time is reduced or even eliminated depending on the banks, by direct validation of the transfer by the payer through the Budget Insight API. The method also has advantages for users and for CashSentinel: The payment is made directly on the platform, without changing interface, thus guaranteeing a greater fluidity and conversion; The customer no longer has to add a new third-party recipient or copy transfer information, or go to their bank branch; The transfer is irrevocable, which considerably reduces the risk of fraud; The cost of processing the payment is low. Where partnerships are required New business models and opportunities are emerging in financial services, and these are underpinned by new principles of openness, flexibility, and agility. Therefore, as Viktoria Ruubel, CEO at IPF Digital, mentions in an article , borders are getting blurred. Large established banks are now partnering with fintech startups; financial players and retailers are partnering to bring new services to their customers; and established financial institutions are partnering with enterprises they traditionally regarded as competitors in order to extend their business into new customer segments. As customers are turning to digital channels to manage all aspects of their life, there is a customer expectation for a seamless service ever-increasing, providing fast, convenient digital services. Partnerships can offer businesses a mix of benefits and opportunities at one time. More generally, fintech partnerships create an opportunity for levelling the playing field, streamlining internal processes, adding technological capabilities, and improving the end customer experience. Free Headlines in your E-mail Every day we send out a free e-mail with the most important headlines of the last 24 hours.