Open banking payments bypass card networks entirely — zero interchange, instant settlement, and strong authentication built in. Here is the full guide for merchants and finance teams.
Finance · Topic
Digital Payments
Expert guides, analysis and tool comparisons on Digital Payments from the kurums.com Finance desk — written for business decision-makers and updated as the market moves.
- 10 guides
- Updated May 29, 2026
Latest in Digital Payments
Biometric Payments: How Face, Fingerprint, and Voice Payments Work
Biometric payments are moving from phone unlock to full checkout. This guide covers how face pay, fingerprint, and palm recognition systems work, their security model, and privacy implications.
Cross-Border Digital Payments: How International Transfers Work in 2026
Cross-border payments are expensive and slow by default. This guide maps how SWIFT, Wise, Ripple, and emerging real-time corridors compare — and what corporate treasurers should know.
What Are Embedded Payments? How They Work and Why They Matter
Embedded payments are transforming how businesses collect money — from ride-hailing apps to SaaS platforms. This guide explains the technology, economics, and regulatory implications.
Buy Now Pay Later (BNPL): How It Works and What Businesses Need to Know
BNPL has reshaped consumer credit and checkout conversion globally. This guide explains how Klarna, Affirm, and Afterpay work, what merchants pay, and what regulators are doing about it.
Card-Present vs Card-Not-Present: Risk, Cost and Liability
The distinction that decides who pays for fraud — card-present vs CNP, why online sales carry more risk, and how to defend margins.
All guides
Payment Tokenization Explained: How It Protects Card Data
The invisible tech behind safe digital payments — how tokenization swaps card numbers for worthless substitutes and cuts your risk.
QR-Code Payments: How They Work and Why Asia Leapfrogged Cards
Zero-hardware, account-to-account payments that conquered Asia — how QR works, why it scaled, and the fraud risks to manage.
Digital Wallets Explained: Apple Pay, Google Pay and Beyond
Open, stored-value and super-app wallets compared — how they work, what they cost merchants, and the lock-in risks to watch.
How Do Contactless Payments Actually Work?
NFC, tokenization and the half-second tap explained — plus why tapping beats swiping and how spending limits really work.