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            Straddle Public Library
            • Payments vs Transfers
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            • How to avoid breaking APIs
              • Breaking changes in JSON APIs
            • How to: Friction Logs
            • Enterprise sales meets product development
          • Payment Systems
            • ACH
              • ACH Basics
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              • ACH Primer
                • Why do businesses choose ACH?
                • ACH vs wire transfers: what’s the difference?
                • What is Nacha and is your business compliant?
                • What is an ACH debit?
                • What is direct debit?
                • What is ACH credit and how does it work?
                • How does an ACH deposit work? A behind the scenes look
                • How an ACH transfer works: a complex process explained
              • Nacha Quick Reference Guide
                • ACH Returns Quick Reference
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        All the things
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        Sector
        Site
        Credit Suisse: Payments, Processors, & FinTech: If Software Is Eating the World…Payments Is Taking a Bite
        https://f.hubspotusercontent10.net/hubfs/6963766/Payments,%20Processors,%20&%20FinTech%20Credit%20Suisse.pdf
        Mckinsey: The $100b oppty in SMB payments
        Merchant acquiring and the $100 billion opportunity in small business
        Open Banking Payments and how to accelerate 'Pay by Bank' adoption
        Fintech R&R☕️ x Under the Hood 🛠 - Open Banking Payments and how to accelerate 'Pay by Bank' adoption
        Bain: Opportunities in embedded finance
        Embedded Finance: What It Takes to Prosper in the New Value Chain
        Overview of US A2A Payment Rails & Use Cases
        Copy of CreditSuisse_Overview of US A2A Payment Rails & Use Cases.pdf
        Envisioning the Future of Money Movement
        The Future of Money Movement.pdf
        How FedNow and faster payments will impact U.S. fintech
        How FedNow and faster payments will impact U.S. fintech
        How to make money in payments: price and shape risk
        Price and shape risk that others can't or won't
        Vertical Operating Systems and Embedded Fintech
        Vertical Operating Systems and Embedded Fintech
        Payfac in 1000 words
        Payfac in 1,000 words
        Third Party Sender vs Third Party Service Provider
        Modern Treasury Journal - The Difference Between A Third-Party Sender And A Third-Party Service Provider in Payments
        TLDR on AML/BSA
        FinTech TL;DR: AML and BSA
        Fintech from first principles
        Fintech from first principles
        Global Fintech 2023
        Global Fintech 2023: Reimagining the Future of Finance | Blog | QED Investors
        Living Landscape: Fintech Infrastructure
        https://research.contrary.com/reports/living-landscape-fintech-infrastructure
        The Five Waves of Fintech
        The Five Waves of Fintech
        API Routing Layers in financial services
        The emergence of API routing layers in fintech
        Bank Transfers as a Payment Method
        Bank transfers as a payment method
        4D Chess in Card Payments (least cost routing)
        4D Chess in Card Payments
        Interchange in 1,000 words
        Interchange in 1,000 words
        Payment Processing in a Nutshell: Core Concepts Explained
        https://paymentshandbook.substack.com/p/payment-processing-in-a-nutshell
        The Payments Layer Cake
        Understanding the Payments Layer Cake
        Disintermediating traditional banking, in real-time
        Disintermediating traditional banking, in real-time.
        Faster payments with FedNow
        Faster payments with FedNow
        FedNow: Game changer for US Consumer Payments
        FedNow: Game Changer for U.S. Consumer Payments?
        The innovation of the Payment Facilitator (PayFac) model
        The innovation of the Payment Facilitator (PayFac) model
        Vertical APIs
        https://medium.com/point-nine-news/vertical-apis-308a44ef328e
        Interchange is a burning platform
        Interchange is a burning platform
        Three layers of KYC
        KYC Guide: Make compliance your competitive advantage
        Guide to Payment Card Fraud
        Fintech Guide to Payment Card Fraud | Lithic
        What is the flow of funds
        Flow of Funds - Modern Treasury
        Open Banking
        FT Partners Report - Open Banking
        Nacha: ACH Guide for Developers
        Homepage | ACH Guide for Developers
        Cross-border payments
        Cross-Border Payments
        ISO 20022 for dummies
        ISO 20022 for dummies | Swift
        Tokenisation, The ApplePay payment process, and mobile wallet growth
        Fintech R&R ☕️📱 x Under the Hood 🛠 - Tokenisation, The ApplePay payment process, and mobile wallet growth
        Money Services Business (MSBs) and Money Transmitters
        https://coda.io/d/_d1Qye0ClIHs/Money-Service-WTF_suqfO
        FFIEC BSA/AML Intro
        FFIEC BSA/AML Introduction - Introduction
        FFIEC IT Exam Handbook
        FFIEC IT Examination Handbook InfoBase - IT Booklets
        FFIEC Cybersecurity Awareness
        Cybersecurity Assessment Tool | FFIEC
        Unit 21 Blog: AML Transaction Monitoring Rules
        Set Up Powerful AML Rules: Examples & Tips for 2024 - Blog | Unit21
        Unit 21: AML Compliance Checklist
        https://go.unit21.ai/hubfs/AML%20Checklist%20%7C%20Unit21.pdf
        FTC: Fraud Report
        New Data Shows FTC Received 2.8 Million Fraud Reports from Consumers in 2021
        FFIEC Outsourcing Technology Services
        FFIEC IT Examination Handbook InfoBase - Outsourcing Technology Services
        CFPB Bulletin: Service Providers
        https://files.consumerfinance.gov/f/201204_cfpb_bulletin_service-providers.pdf
        ACH Risk Management Guidance
        Automated Clearing House Activities: Risk Management Guidance
        Third-Party Relationships Risk Management
        Third-Party Relationships: Interagency Guidance on Risk Management
        ​
        ​
        EFTA and Reg E for Fintechs
        Electronic Fund Transfer Act and Regulation E for Fintechs | Lithic
        Reimaging the Future of Finance
        https://assets-global.website-files.com/605db59b78445cf5ae548e49/6451bbcb4c1e8e98d4efbf4c_20230503_Global_Fintech_2023.pdf
        Revenues in Financial Features: a Complete Guide for Tech Companies
        Revenues in embedded finance: a complete guide | Unit
        Fintech and regulatory arbitrage
        Fintech and regulatory arbitrage
        Banks, middlewares and Unit: making sense of banking infrastructure
        https://blog.unit.co/banks-middlewares-and-unit-making-sense-of-banking-infrastructure/
        Fintech Infrastructure 101 - Overview & Market Landscape
        https://www.chrismccann.com/essays/fintech-banking-infrastructure
        The default banking-as-a-service platform will be developer-first
        February 2020 - Developer-first banking-as-a-service platforms
        B2B payments aren’t payments, they’re workflows
        B2B payments aren’t payments, they’re workflows
        Brief history of Credit Cards: for Consumers and Retailers
        The 60 year history of Credit Cards: for Consumers and Retailers
        Payment Cards Deep Dive
        Payment Cards Deep Dive
        The Merchant Payment Process, Revoloopholes and the Mandela Effect
        Fintech R&R ☕️ x Under the Hood 🛠 - The Merchant Payment Process, Revoloopholes and the Mandela Effect
        There are no rows in this table
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        External Files
        Article
        Sector
        File
        Relevance
        Unit21: Fraud Fighters Manual
        FraudFightersManualbyUnit21.pdf
        Allow: State of Fraud Benchmark Report
        2024-State-of-Fraud-Benchmark-Report_Alloy.pdf
        CFPB Consumer Laws & Regulation
        CFPB Consumer Laws.pdf
        Electronic Signatures Act
        Manual.pdf
        ​
        There are no rows in this table
        ⁠

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