Uncategorized / 5 min read
AI-Driven Personalization in Business Banking Portals
By Eric KuvykinMajor commercial banks roll out embedded financial health analytics and automated tax-saving prompts for small business users.
Author Archive
Eric Kuvykin
Publisher and editorial director covering payments, fintech, merchant services, banking, AI, technology and operating strategy for small and medium-sized businesses.
PaymentsFintechMerchant ServicesAIBankingSMBs
By Eric Kuvykin
AI / 3 min read
AI Deepfakes Make the ‘Call the Boss’ Fraud Check Obsolete
By Eric KuvykinBottom line: AI is not a magic upgrade for a small business. It is a labor-shifting tool. Used well, it answers the phone, follows up on leads, summarizes records and gives staff time back....
AI / 3 min read
AI in Payments: The Best Use Cases Are the Ones That Prevent Work Before It Exists
By Eric KuvykinBottom line: Banking risk is quiet until the day a deposit is delayed, a reserve appears, a login is locked or a lender asks for documents the owner cannot find. Then it becomes payroll,...
Uncategorized / 5 min read
Refined Basel III Endgame Capital Rule Adjustments
By Eric KuvykinRegulators soften operational and credit risk requirements that disproportionately penalized fee-dependent commercial banks.
AI / 3 min read
AI Will Not Replace Main Street — It Can Make Main Street Stronger
By Craig A. Fine, Esq.Bottom line: Banking risk is quiet until the day a deposit is delayed, a reserve appears, a login is locked or a lender asks for documents the owner cannot find. Then it becomes payroll,...
Finance / 3 min read
Cash Flow Management: What SMB Owners Should Review Now
By Eric KuvykinBottom line: Banking risk is quiet until the day a deposit is delayed, a reserve appears, a login is locked or a lender asks for documents the owner cannot find. Then it becomes payroll,...
Uncategorized / 5 min read
Automated Trade Finance and Supply Chain Ledger Pilots
By Eric KuvykinTraditional institutions deploy blockchain and API ledgers to expedite working capital advances for midmarket suppliers.
Finance / 3 min read
SMB M&A: The Payments Statement Can Reveal More Than Buyers Expect
By Eric KuvykinBottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
Uncategorized / 5 min read
Small Business Deposit Incentive Wars
By Eric KuvykinRegional lenders introduce tiered high-yield checking bonuses to attract operating capital from established local enterprises.
FinTech / 3 min read
The $38 Billion Swipe-Fee Settlement Is About More Than Rates
By Eric KuvykinBottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
Banking / 3 min read
Embedded Finance for Local Business: Convenience Without Losing Control
By Eric KuvykinBottom line: Banking risk is quiet until the day a deposit is delayed, a reserve appears, a login is locked or a lender asks for documents the owner cannot find. Then it becomes payroll,...
Payments / 3 min read
Visa/Mastercard Settlement Scams: How Merchants Can Verify Official Communications
By Eric KuvykinBottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...