Content Library

Buy-now-pay-later apps: If you can’t beat them—wait, no, you can beat them

BNPL solutions are often more affordable and more accessible than traditional credit cards—but most consumers still want short-term financing options directly from their trusted primary bank. Learn how adjusting your underwriting model and tapping into alternative data sources can help you appeal to a wider market.

Alloy helps Coast achieve its goal of onboarding and underwriting customers in 5 minutes or less

Coast revolutionizes credit underwriting for the fleet industryAlloy helps Coast achieve its goal of onboarding and underwriting customers in 5 minutes or less

The great balancing act: fraud prevention and customer experience

Alloy CEO Tommy Nicholas and Jamie Warder, Executive VP & Head of Digital Banking at KeyBank, react to Forrester's study, The Identity Decisioning Imperative.

3 fraud & risk lessons banks can learn from fintech companies

Alloy CEO Tommy Nicholas outlines the top three challenges he sees banks face in their KYC and fraud prevention efforts and shares some lessons banks can learn from fintech companies to overcome these challenges.

Exploring the "niche" banking trend

Billie Simmons, Co-founder & COO of Daylight, Ryan Falvey, Founder & Managing Partner at Financial Venture Studio and Alloy’s GM of Fintech, Charley Ma weigh in on the "niche" banking trend.

The metaverse is full of finopportunity

There’s just one little problem with your “digital transformation” plans: you probably didn’t account for the metaverse. In this blog, we explore what the metaverse actually is and how banks and fintech companies can adapt to its new digital economy.

Former Alloy solutions architect Carmen Perez on launching her own fintech company

As recent Alloy alum Carmen Perez prepares for the next chapter of her career, which includes launching a fintech company of her own, we sat down with her to learn more about her new company and her experience working at Alloy.

Framing Fintech: chatting with Alex Song from Ramp

In this new blog series, Framing Fintech, our GM of Fintech, Charley Ma, sits down with leaders in the industry to chat through lessons learned, fintech trends and hot takes. In our first installment of Framing Fintech, Charley Ma chats with Alex Song, Head of Finance at Ramp, to share his tips on how new lending companies can raise capital.

#Fintech

2022 Fintech trends and predictions

We brought together a panel of fintech experts to share their views on emerging trends and technologies

#Fintech

How to build your bank's fintech stack

Discover why your bank should be leveraging fintech solutions to grow your business and speed up your digital transformation.

Fintech's guide to build vs. buy: an Identity Risk Solution

Discover which path forward is right for your organization's identity decisioning process.

When is a bank account not a bank account?

Alloy CEO Tommy Nicholas reflects on the recent trend of merchants and fintech companies blocking consumers from using money coming from neobank accounts. In his blog, he explains why he's worried about what this trend could mean for the fintech industry and the underbanked.

Alloy takes center stage at Money 20/20

The biggest event in fintech returned to Las Vegas last week. The event was filled with thought-provoking sessions, networking events and parties, and lots of opportunities to meet with prospects, clients, and partners. Let’s unpack some of the top industry trends and recap Alloy’s participation at the event.

Fintech in the age of the influencer

Alloy's GM of Fintech, Charley Ma, takes a deep dive into one of the newest (and fastest-growing) categories of small businesses - influencers and creators. Charley outlines business pain points creators face and how innovative fintech companies are addressing those pain points.

#Fintech

3 reasons why you need a fraud & risk management solution built specifically for the financial services industry

It might seem as if the challenges in mitigating fraud are similar across industries and that any fraud and risk management solution could be adapted to whichever type of fraud is relevant to your business, but the truth is it’s not that simple.

How much is your palm print worth?

Our take on Amazon’s $10 promotion to capture customers’ biometric data.

What level of transparency should you have with rejected applicants?

When an applicant is opening a bank account or applying for a credit card online - the best-case scenario is their application is approved without any hiccups. But what happens when they are denied?

Alloy Onboarding has helped Ramp with KYB and KYC checks since their launch in 2019

Ramp improves fraud detection efficiency by 75% Alloy Onboarding has helped Ramp with KYB and KYC checks since their launch in 2019

Using omnichannel banking to better serve customers

How Berkshire Bank employs omnichannel banking to create a system that provides the services customers need when and where they need them.

Leveraging surges in digital banking while mitigating risk

How surges in digital banking have accelerated the need for banks to simultaneously serve customers and fight fraud across digital channels.

Community banks & fintechs: lessons from the past decade

Strengthening the infrastructure of America’s community banks, who represent 97% of US banks.

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