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Smart Contracts Connect B2B Workflows to Real-Time Payments
In the commercial payments realm, invoices need validation, discrepancies warrant resolution and someone (or an authorized system) ultimately approve the release of funds. Smart contracts are being used to carry approved payment instruction
PYMNTS · Published 10/21/2026, 23:01OpenAI Brings Its Frontier AI Models to Google Cloud
OpenAI has launched a new partnership with artificial intelligence (AI) rival Google. This collaboration brings OpenAI’s frontier AI models and Codex agentic workflows to Google Cloud’s Model Garden, the companies announced Wednesday (Oct.
PYMNTS · Published 10/21/2026, 22:26EBay Cuts 1,100 Jobs to Pivot Toward High-Growth Markets
EBay plans to lay off 9% of its workforce, or about 1,100 people, as it sharpens its focus on faster-growing markets, Reuters reported Wednesday (Oct. 21). CEO Jamie Iannone announced the move in a memo sent to staff, which was seen by Reut
PYMNTS · Published 10/21/2026, 22:16Visa Debuts Tools to Keep Fraud Out of Virtual Commercial Card Payments
Visa has introduced new capabilities designed to keep commercial virtual card payments safer. Visa Commercial Fraud Solutions are part of a series of new capabilities designed to bring “trust and control” to business payments, Visa said in
PYMNTS · Published 10/21/2026, 21:16JPMorgan Gets Closer to Clinching Nigerian Banking License
J.P. Morgan Chase is reportedly getting closer to obtaining a banking license in Nigeria. The largest U.S. bank has deposited 50 billion naira ($37.5 million) with the Central Bank of Nigeria, Bloomberg News reported Tuesday (Oct. 20), citi
PYMNTS · Published 10/21/2026, 18:41Stablecoins Need to Get Behind Cards, Not Replace Them
Watch more: Paymentology Says AI Agents Must Earn the Right to Move Money The stablecoin industry has spent possibly too much time trying to reinvent checkout. Consumers already have a nearly universal interface for turning balances into pu
PYMNTS · Published 10/21/2026, 16:03AI Made Inventions Cheaper. Now the Challenge Is Getting Them to Market.
Watch more: TechReg Talks With Matthew J. Dowd and Judge Paul Michel Artificial intelligence is making it cheaper to invent. That doesn’t mean, however, that it’s getting any less costly today to turn an invention into a business. That dist
PYMNTS · Published 10/21/2026, 16:01Finance Embraces Gen AI but Stops Short of Autonomous Cash Management
Finance departments have moved quickly to put generative artificial intelligence to work. They’ve been far more cautious about letting AI act on its own. Generative AI use for cash flow management jumped from 16% in 2025 to 80% in 2026, acc
PYMNTS · Published 10/21/2026, 16:00The Agentic Edge: Who Has It and How to Get It
Remember travel agents? Not the AI kind. The real people kind. For anyone under 30, here’s how it worked. You walked into a little storefront with a poster of a Caribbean island in the window and sat across the desk from someone with a phon
PYMNTS · Published 10/21/2026, 16:0025% of Card Replacement Calls Point to an AI Opportunity
A replacement card could give issuers a practical way to turn artificial intelligence (AI) investment into faster service and fewer customer calls. That opportunity anchors the third key finding in “Why Modern Issuing Platforms Will Determi
PYMNTS · Published 10/21/2026, 16:0044% of Policyholders Say How They Pay Helps Decide Who Insures Them
The payment experience plays a role in how consumers choose a property or home insurer, not just how they pay once a policy is in place. The PYMNTS Intelligence playbook “The Service Commerce Performance Gap: Insurance Providers Playbook” f
PYMNTS · Published 10/21/2026, 16:00Otter Secures $320 Million to Turn AI Notetaker Into Enterprise Knowledge Engine
Otter.ai secured $320 million in growth financing from General Catalyst’s Customer Value Fund (CVF) to accelerate the growth of its artificial intelligence notetaker and conversational knowledge platform, the company said in a Tuesday (Oct.
PYMNTS · Published 10/21/2026, 08:45Capital One Pushes Deeper Into AI as Card Spending Grows
Capital One’s cardholders continued spending in the third quarter while credit losses declined, giving the bank room to pursue two expensive strategic priorities: building more volume on the Discover network and investing further in generat
PYMNTS · Published 10/21/2026, 07:48Expedia Group Automates Hotel Onboarding to Speed Marketplace Entry
Properties can now join Expedia Group’s global travel marketplace through their existing connectivity software, with a few clicks, and go live in less than 24 hours, the company said in a Tuesday (Oct. 20) press release. This simpler path i
PYMNTS · Published 10/21/2026, 07:32Nestlé Hands Its Overdue Invoices to SAP’s AI Agents
A company the size of Nestlé cannot chase every late invoice at once. Collections teams have limited time, so the order of the calls matters. Nestlé is turning to artificial intelligence agents inside its new SAP finance system to prioritiz
PYMNTS · Published 10/21/2026, 07:13America’s Car-Mart Considers Sale as Inflation Hits Subprime Borrowers
Used car dealer and subprime lender America’s Car-Mart and its lenders are in talks for a sale that would allow the company to continue running, Bloomberg reported Tuesday (Oct. 20), citing unnamed sources. The discussions center on a deal
PYMNTS · Published 10/21/2026, 06:38Meta’s Muse Reaches 10 Million Downloads Faster Than ChatGPT
Meta’s personal artificial intelligence assistant Muse was downloaded more than 10 million times in the United States and Canada during the first 35 days it was available, digital market insights platform Sensor Tower said in a Monday (Oct.
PYMNTS · Published 10/21/2026, 05:53AI Labs Pay Lawyers $400 an Hour to Train Models
A civil rights attorney can now earn $400 an hour with no client involved. Recruiters are advertising that rate for attorneys, $170 an hour for condensed matter physics experts and up to $120 for software engineers, all to “help train next-
PYMNTS · Published 10/21/2026, 04:25Mercury Integrates AI-Powered Payroll Capabilities Into Entrepreneur Accounts
FinTech company Mercury added an artificial intelligence-native payroll solution to its offerings so that founders can pay employees and contractors from the account they already use to manage their money, the company said in a Tuesday (Oct
PYMNTS · Published 10/21/2026, 04:24Regional Banks Put AI Into Core Operations as Business Lending Grows
Third-quarter results from PNC, U.S. Bancorp, Truist, Fifth Third, Regions and KeyCorp show that regional banks are putting artificial intelligence into everyday banking operations, while several report more commercial lending and greater u
PYMNTS · Published 10/21/2026, 04:07Salesforce Buying Customer Engagement Firm Braze for $5.6 Billion
Salesforce says it will pay $5.6 billion to acquire customer engagement platform Braze. “Every interaction is an opportunity to wow your customers,” Patrick Stokes, president of applications and marketing at Salesforce, said in a news relea
PYMNTS · Published 10/21/2026, 03:38Commerce Bancshares Net Income Rises as Acquisitions Expand Investment Banking and Wealth Services
Commerce Bank parent company Commerce Bancshares increased its net income year over year to $155 million in the third quarter, up from $141.5 million in the same quarter in 2025, thanks in part to its diversified business model, the company
PYMNTS · Published 10/21/2026, 03:23TransUnion Debuts New Scoring Capability to Combat Fraud
TransUnion has introduced new solutions designed to help organizations combat synthetic identity fraud and credit washing. The company says its Credit Washing and Synthetic Fraud Scores, announced Tuesday (Oct. 20), are the first-ever “adve
PYMNTS · Published 10/21/2026, 03:16Payment Data Can Keep Merchants Tied to Their Processors
A merchant can negotiate a better payment processing rate and still face an expensive move if its saved customer credentials are tied to its existing provider. That tension sits at the center of payment orchestration’s promise. The technolo
PYMNTS · Published 10/21/2026, 02:57
