At this time of the year, it’s not uncommon for taxpayers to rush to file their tax return, eager to receive a refund as soon as possible. But what happens when the expected deposit doesn’t show up? These are some of the most common reasons tax refunds get delayed, according to tax experts, and what to do if yours is missing. Also see three money experts’ advice on what to do with your tax refund this year. Errors or Mismatches Errors on tax returns are the most common cause of delays. “Taxpayers shou ...

Intellicheck's Desktop Application provides key benefits to businesses ranging from community banks and credit unions to employment agencies, title insurers and auto dealerships. They include : MELVILLE, N.Y.--(BUSINESS WIRE)--Intellicheck, Inc. (Nasdaq: IDN), an industry-leading identity company delivering proprietary on-demand digital and physical identity validation solutions, today announced the roll out of its enriched Desktop Application. The new Desktop Application allows any sized organization to im ...

Pennsylvania-based MLS contracts to make FOREWARN services available for its 8,000+ real estate professional members to promote proactive agent safetyBOCA RATON, Fla., Feb. 13, 2026 (GLOBE NEWSWIRE) -- FOREWARN, LLC, a red violet company (NASDAQ: RDVT) and the leading provider of real-time information solutions for real estate agents, today announced that West Penn Multi-List, Inc. (WPMLS) will offer FOREWARN® services to its 8,000+ members throughout Pittsburgh and the surrounding communities of western Pe ...

Core Insights - Sumsub has launched an AI Agent Verification solution that connects AI agents to verified human identities, enhancing digital trust and fraud prevention [1][4] - The solution allows businesses to differentiate between legitimate automation and fraudulent activities by linking actions to verified human identities [2][5] Industry Context - The rise of AI agents and browser-based automation has led to challenges in distinguishing legitimate activities from fraud, prompting many platforms to block automation by default [2] - Identity fraud is becoming increasingly sophisticated, with a reported 180% year-on-year increase in multi-step, coordinated attacks globally in 2025 [5] Company Capabilities - AI Agent Verification treats automation as a manageable risk, applying additional checks only when necessary, thus reducing friction for legitimate users [3] - The solution includes features such as Device Intelligence, Mule Network Prevention, Liveness Verification, and Risk Scoring and Monitoring to enhance fraud prevention [7][8] - Sumsub is recognized as a leader in the verification space, combining advanced fraud prevention with seamless integration [8]

Identity Authentication & Security - Identity verification needs to be verifiable, human, and secure by design as hiring, work, and collaboration move fully online [1] - Current identity verification methods rely on fragile checks and vulnerable databases [1] - Polyhedra i-D enables authentication of truth without revealing personal information [1] Technology & Solution - Polyhedra i-D offers a solution for secure and private identity authentication [1]

Core Insights - Mitek Systems' earnings exceeded expectations, leading to a significant increase in stock price, closing up 8.87% after reaching a peak of 21% during the day [1] Financial Performance - Mitek's total revenue for the fiscal fourth quarter rose 4% year over year to $44.8 million, driven by a 19% increase in SaaS revenue to $21.3 million [3] - Despite revenue growth, Mitek's EBITDA declined 16% to $12.9 million due to growth investments, although adjusted earnings per share of $0.24 surpassed Wall Street's expectations of $0.18 [6] Strategic Outlook - Management provided a bullish forecast for fiscal 2026, projecting total revenue between $185 million and $195 million, with adjusted EBITDA margins of 27% to 30% [7] - CEO Ed West emphasized the focus on unifying identity, authentication, and fraud solutions to enhance SaaS adoption and customer value, aiming for durable, profitable growth [4][7]

Identity Verification in the AI Era - The industry emphasizes the need for verifiable real identity in an era where AI can fabricate anyone [1] - Polyhedra i-D enables users to prove their humanity without revealing their identity [1] Product Offering - Polyhedra i-D offers a solution to verify identity without exposing personal information [1] - A link is provided to try Polyhedra i-D [1]

Core Insights - Regula has launched the Regula 7320 mobile document reader, addressing the challenge of reliable identity verification outside stationary checkpoints [1][2] - The device is designed for high-risk sectors, providing full autonomy and integration with centralized systems, even without network access [3][5] Product Features - The Regula 7320 performs comprehensive identity verification, including ID data reading, document authenticity checks, and facial matching, all in real-time [3][6] - It automates workflows by synchronizing verified data with back-office systems, reducing manual re-entry and enabling faster decision-making [6][8] - The device integrates seamlessly with existing Regula infrastructure or third-party databases for automated checks and reporting, minimizing manual work [6][8] Technical Specifications - The Regula 7320 features high-resolution imaging capabilities, including 8 MP infrared cameras for detailed forgery detection [11] - It offers forensic-grade verification accuracy with optimized UV color rendering and dedicated IR algorithms for fine detail preservation [11] - The device is powered by an 11,000 mAh battery, providing extended autonomy essential for field operations [11] Market Position - Regula is recognized for its expertise in forensic devices and identity verification solutions, serving over 1,000 organizations and 80 border control authorities globally [10] - The company has been acknowledged in the 2025 Gartner Magic Quadrant for Identity Verification, highlighting its leadership in the industry [10]

Financial Data and Key Metrics Changes - Revenues grew by 28% or $1.3 million to a record $6 million in Q3 2025 compared to $4.7 million in Q3 2024 [5][26] - Gross margin was 91%, with adjusted gross margin improving to 92.8% from 91.5% year-over-year [5][27] - Net income improved to $290,000 from a loss of $810,000 in the prior year, with earnings per share increasing to $0.01 [5][28] - Adjusted EBITDA reached a record $631,000, up from a negative $160,000 in Q3 2024 [5][29] Business Line Data and Key Metrics Changes - Banking and lending grew approximately 80%, representing about 50% of quarterly revenue [14] - Retail declined approximately 5%, accounting for about 30% of quarterly revenue [14] - Title insurance grew approximately 120%, representing just over 2% of quarterly revenue [14] - SaaS revenue increased by 26% to $5.9 million, making up about 98% of total revenue [26] Market Data and Key Metrics Changes - Significant growth was noted with a leading lease-to-own company, which grew over 700% [6] - A major bank and credit card issuer grew over 60% year-over-year and purchased additional transaction capacity [6] - The company entered into two-year agreements with a top title insurance company, expected to generate six-digit annual recurring revenue [7] Company Strategy and Development Direction - The company aims to diversify its revenue sources, reducing reliance on retail, which has been a headwind [33] - Focus on upselling existing clients and pursuing verticals such as title insurance and automotive [25] - Continued investment in product innovations, including a new Optical Character Recognition product and enhanced customer interfaces [15][16] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about growth despite economic headwinds, attributing success to diversification [76] - The company anticipates maintaining strong cash positions and positive adjusted EBITDA for the year [29][31] - Management highlighted the importance of real-time ID verification as a critical step in fraud prevention [21] Other Important Information - Intellicheck was named a Leader in the IDC MarketScape Worldwide Identity Verification and Financial Services 2025 Vendor Assessment [8] - The company is making progress with a global social media client, although the ramp-up has taken longer than expected [9][10] Q&A Session Summary Question: Are retail headwinds pretty much gone? - Management noted that retail has seen softening but diversification has helped mitigate impacts [33][34] Question: How much of the $6 million in revenue qualifies as new business? - Management estimated that new business might account for about 7-10% of total revenue [38] Question: Is there anything one-time or seasonal affecting SaaS revenue? - Management confirmed that there were no one-time impacts, and the regional bank's contribution was a full quarter's impact [44][47] Question: What are the dynamics driving incremental EBITDA margins? - Management indicated that stable operating costs and revenue growth are contributing to improved margins [55][60] Question: How is the company prioritizing cash balance? - Management emphasized reinvesting in R&D and marketing while remaining prudent with spending [71]

Core Insights - The digital payments industry is experiencing rapid growth, but security measures have not kept pace with this expansion [1][2] - There is a significant gap between transaction speed and the ability to authenticate users in real-time, which poses risks for fraud, particularly with the rise of AI-powered agents [3][4] - The future growth of fintech is contingent upon advancements in identity verification and real-time authentication systems [5] Group 1: Security Concerns - Mastercard's Director of Identity Value Chain Expansion highlighted that the financial system is operating beyond its safety limits, indicating a lack of infrastructure to control automated payment systems [1] - The industry has not developed adequate real-time verification systems to secure instant transactions, which could lead to vulnerabilities [2] Group 2: AI and Fraud Risks - The increasing use of AI agents for financial transactions raises concerns about the ability to verify both human users and their automated counterparts [4] - The potential for AI-powered fraud is heightened as digital agents autonomously handle payments and disputes, creating a need for improved security measures [3] Group 3: Future of Fintech - Companies that can innovate in identity verification and establish real-time authentication will be pivotal in shaping the next phase of digital payments [5]