SoFi Tech Solutions

Connecting banks, fintechs and brands with banking and processing capabilities to help people get their money right.

[SoFi Tech Solutions @SoFiTechSol]

Instant payouts can do more than improve the recipient experience. They can create new revenue opportunities for marketplaces and platforms.

Offering free standard payouts alongside paid instant transfers gives recipients more choice while allowing platforms to capture revenue from those who value faster access to funds. Volume-based pricing and payouts into branded accounts can also help improve program economics and create opportunities for ongoing engagement.

We look at the five ways marketplaces can monetize instant payouts, from expedited-access fees to downstream interchange, and the infrastructure needed to support those models.

https://t.co/a3m8q4AB73

#InstantPayments #Payouts #Fintech #MoneyMovement

[SoFi Tech Solutions @SoFiTechSol]

Millions of consumers have limited credit histories or are working to rebuild their credit, creating an opportunity for issuers that can serve them responsibly.

Secured credit helps manage that risk by backing credit lines with customer deposits, while real-time controls, adjustable limits and clear graduation paths allow programs to support customers as they build positive credit histories.

For banks and fintechs, the right issuing and servicing infrastructure can help expand access while managing risk across a growing portfolio.

We break down what it takes to build a secured credit program that supports both responsible lending and long-term customer relationships:

https://t.co/kPvUHxSugD

#SecuredCredit #CreditAccess #Fintech #DigitalBanking

[SoFi Tech Solutions @SoFiTechSol]

Customers want financial services available when and where they need them, without having to leave what they're doing to open a separate app.

In a new interview with @PYMNTS, SoFi Tech Solutions' Prashant Shah explains why fintechs need to connect accounts, payments and risk controls as they expand their offerings, creating a more cohesive experience rather than adding disconnected products.

Prashant also discusses why reliability, fraud prevention and how providers respond when something goes wrong are just as important to the customer relationship as speed and convenience.

Catch the full interview: https://t.co/ju0hOuvMru

#Fintech #EmbeddedFinance #Payments

[SoFi Tech Solutions @SoFiTechSol]

We’re at @Money2020 in Las Vegas this week! Come by booth 11033 to talk partnerships with our team, and bring what you want to build next. We’ll show you how we can get there together!

#Money2020

[SoFi Tech Solutions @SoFiTechSol]

Just released: The Q3 SoFi Tech Solutions Debit Spend Index shows how people kept spending this summer even as prices rose across major categories.

Debit spend rose 7.4% and transactions rose 5.9% from Q2 to Q3, and every recurring category in the Q3 Debit Spend Index grew on both measures. More than 62% of those transactions were digital.

Learn more about how people spent with debit in Q3: https://t.co/CMFbgjiT7T

#ConsumerSpending #Debit #Payments

[SoFi Tech Solutions @SoFiTechSol]

We're at @Money2020 in Las Vegas!

Stop by booth 11033 to connect with the team. We look forward to seeing you there!

#Money2020 #Fintech #Payments

[SoFi Tech Solutions @SoFiTechSol]

Brands are planning financial experiences that go well beyond a single card or payment feature.

Our 2026 Integrated Financial Services Research found that surveyed brands plan to launch an average of more than three financial services, with nearly half looking to combine cards with digital wallets or loyalty programs.

For retailers, travel companies and other consumer platforms, that means choosing technology and partners that can support multiple products as their customer relationships grow.

See what brands are prioritizing and where the biggest opportunities lie:

https://t.co/93TZynZvks

#EmbeddedFinance #Payments #Fintech #DigitalBanking

[SoFi Tech Solutions @SoFiTechSol]

For fintech lenders, the customer relationship often revolves around loan origination and monthly payments. Adding deposit accounts and debit gives customers more reasons to use the platform throughout the month.

Integrated banking capabilities can let borrowers receive funds, manage everyday spending and make repayments in one place. For lenders, that creates opportunities to generate interchange revenue, improve repayment engagement and maintain relationships after a loan is paid off.

We look at how fintech lenders can build a broader revenue model through embedded debit and deposits:

https://t.co/eP9BQyGfVs

#EmbeddedFinance #Fintech #DigitalBanking #Payments

[SoFi Tech Solutions @SoFiTechSol]

Fraud teams need to know why a transaction was flagged, not just whether a system considers it risky.

As AI-powered fraud attacks grow more sophisticated, static rules and black-box models can make it harder to investigate suspicious activity and respond without disrupting legitimate customers.

In our latest look at AI-driven fraud prevention, SoFi Tech Solutions' Max Spivakovsky and experts from DataVisor discuss the importance of explainable decisions, real-time signals and flexible data integration in building more effective fraud controls.

Read more: https://t.co/6PmfnS54im

#FraudPrevention #AI #Fintech #Payments

[SoFi Tech Solutions @SoFiTechSol]

Launching a payment card program means coordinating issuing partners, payment networks, compliance, settlement and ongoing operations. How those responsibilities are managed can have a big impact on launch timelines and long-term costs.

For fintechs and brands, keeping everything in-house may offer greater control, while outsourcing can reduce the operational burden. A hybrid approach lets companies maintain ownership of the customer experience while relying on experienced partners for specialized functions.

We break down what organizations should consider when deciding how to manage their payment programs:

https://t.co/4pqeyix9gt

#ProgramManagement #CardIssuing #Fintech

[SoFi Tech Solutions @SoFiTechSol]

Co-brand debit is a big part of the loyalty strategy as brands look for more ways to engage customers between major purchase moments.

Debit gives brands a way to reward the everyday spend customers are already making, while reaching people who may prefer debit even when they are highly engaged with the brand. The opportunity gets even stronger as rewards become more personalized, real-time and connected to the behavior brands want to encourage.

Paul Dunning shares why co-brand debit is gaining momentum and what brands should consider as they build the next generation of loyalty programs.

https://t.co/w1Aq3KHmGw

#Loyalty #Debit #Payments #EmbeddedFinance

[SoFi Tech Solutions @SoFiTechSol]

Expanding access to credit takes more than a new scoring model. The infrastructure behind it has to respond just as quickly.

Arro combines traditional credit data with real-time behavioral and cash-flow signals to adjust credit lines dynamically as customer behavior changes. SoFi Tech Solutions powers the card processing, credit line management and ACH infrastructure behind that experience.

Arro reports more than 300,000 app downloads, 700,000 financial lessons completed and 500% year-over-year revenue growth.

See how Arro is building a more flexible path to credit: https://t.co/kjH02EvHvk

#CreditAccess #Fintech #DigitalBanking #Payments

[SoFi Tech Solutions @SoFiTechSol]

Excited to share that SoFi Tech Solutions has partnered with Orbi and Mastercard to launch a fiat-crypto card program in Mexico that will let customers use traditional currency or crypto balances for purchases while merchants receive traditional currency.

The partnership enables future stablecoin-powered remittances and card spending using SoFiUSD through Mastercard's trusted network.

“Mexico is one of the world’s largest remittance markets, and stablecoins are becoming an increasingly important way to move money across its borders,” said Kathleen Pierce-Gilmore, President of SoFi Tech Solutions. “Together with Orbi and Mastercard, we are giving people in Mexico a trusted way to receive, hold and spend digital dollars, while laying the foundation for stablecoin-powered payments and cross-border money movement at scale.”

Read more about the news: https://t.co/AXP35dQ3mo

[SoFi Tech Solutions @SoFiTechSol]

Everyday debit spend gives travel and hospitality brands more signals to understand what customers value between trips.

Dining, fuel and other recurring purchases can help loyalty teams recognize patterns in how customers spend and use those insights to shape more relevant offers, from rewards tied to frequently used categories to incentives timed around a customer’s typical travel behavior.

We look at how co-brand debit can turn everyday transaction data into more personalized loyalty experiences:
https://t.co/oBS1XHZ8PL

#CoBrandDebit #Loyalty #Travel #Payments

[SoFi Tech Solutions @SoFiTechSol]

HSA, FSA and assistance programs come with specific rules about where funds can be spent. Enforcing those rules after a transaction posts creates more work for everyone.

Real-time spend controls move that decision to authorization, where merchant category, spend type and eligibility can be checked before money moves. That means fewer improper transactions, fewer receipts to chase and less manual reconciliation as programs scale.

We look at how configurable spend controls can help teams manage restricted-purpose funds with less administrative overhead:
https://t.co/7AcN2ThPGk

#Payments #EmployeeBenefits #Fintech

[SoFi Tech Solutions @SoFiTechSol]

For decades, installment credit in Mexico was concentrated in the hands of a couple of large retailers-turned-banks operating closed-loop systems.

Nearly half of Mexico's adult population still relies on non-traditional credit today, filling the gap through community-based mechanisms rather than formal credit products. Aplazo set out to take installment credit out of that closed loop entirely — building an open, transparent, easy-to-understand product that any consumer, at any participating merchant, could access.

Learn how Aplazo is democratizing credit in Mexico with simple BNPL installments through SoFi Tech Solutions: https://t.co/xSntQOA99U

#BNPL #Payments #Fintech

[SoFi Tech Solutions @SoFiTechSol]

Co-brand debit is a big part of the loyalty strategy as brands look for more ways to engage customers between major purchase moments.

Debit gives brands a way to reward the everyday spend customers are already making, while reaching people who may prefer debit even when they are highly engaged with the brand. The opportunity gets even stronger as rewards become more personalized, real-time and connected to the behavior brands want to encourage.

In our latest article, Paul Dunning shares why co-brand debit is gaining momentum and what brands should consider as they build the next generation of loyalty programs.

https://t.co/w1Aq3KHmGw

#Loyalty #Debit #Payments #EmbeddedFinance

[SoFi Tech Solutions @SoFiTechSol]

Walmart’s move to accept Apple Pay and Google Pay puts payment primacy back in focus. For companies building card and payment experiences, supporting a digital wallet is only part of the equation. The bigger question is whether your card is the one customers actually use.

In new coverage from @AmerBanker, SoFi Tech Solutions’ Prashant Shah points to our research showing 15% of consumers changed cards because a store or app made paying easier, while 21% switched for better rewards. Once a card is saved or set as the default in a mobile wallet, that position can have a real impact on where spend goes.

Read the full article:
https://t.co/f3Npmm1ICt

#Payments #DigitalWallets #Fintech #DigitalBankin