Is a European consumer credit model coming to the US via ecommerce?
Yann Ranchere

Another trend contributing to ecommerce-based lending models (where banks stand behind working capital models for merchants or serve an installement-based loan as part of checkout is the drive of ACH tech (ie PSD2 is a crawling tiger for schemes as EU wants to level off the digital divide in the region and allow for a standard framework of intra account payments. Lending being a primary revenue generator for banks will need to adapt.

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