Core Insights - PayPal is collaborating with Microsoft to launch Copilot Checkout, enhancing AI-powered shopping experiences for consumers and merchants [1][3] - The integration of PayPal's services with Copilot's platform aims to facilitate seamless transactions, marking a shift towards autonomous commerce [3][4] Group 1: Partnership Details - The partnership allows shoppers to browse and pay directly within Copilot, with PayPal providing features like merchant inventory display, branded checkout, guest checkout, and credit card payments [2] - This collaboration is part of PayPal's strategy to support merchants and consumers in evolving shopping experiences driven by AI [3] Group 2: Industry Trends - The emergence of agentic AI is transforming traditional eCommerce models, moving from assistive AI tools to systems that can autonomously execute transactions [4][5] - Recent research indicates that agentic AI is prompting retailers to reconsider how products are discovered and purchased when the decision-maker is an AI rather than a human [5] Group 3: Additional Collaborations - PayPal has also partnered with Paychex to offer employees early access to their paychecks through PayPal Direct Deposit, reflecting a growing demand for instant payroll solutions [6] - Over 80% of workers aged 18 to 44 prefer daily access to wages, highlighting the importance of flexible payment options in today's economic climate [7]

Payments/financial services technology provider Fiserv has launched an AI-focused partnership with Microsoft.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.This new collaboration is designed to further embed artif ...

Core Viewpoint - Kaskela Law LLC is investigating the proposed acquisition of Green Dot Corporation to assess the fairness of the transaction for shareholders [1][3]. Group 1: Acquisition Details - On November 24, 2025, Green Dot announced agreements to be acquired by Smith Ventures and CommerceOne Financial Corporation [2]. - Smith Ventures will acquire and privatize Green Dot's non-bank financial technology business assets and operations, while CommerceOne will acquire Green Dot Bank and its associated assets and operations [2]. - If the transaction is completed, each share of Green Dot common stock will be exchanged for $8.11 in cash and 0.2215 shares of the new publicly traded bank holding company [2]. Group 2: Investigation Findings - The investigation has revealed significant conflicts of interest, suggesting that the sales process and consideration may be unfair to the company's shareholders [3].

Group 1 - Fiserv, Inc. (NASDAQ:FISV) experienced a significant decline, with a 67% drop noted by Jim Cramer, including a 44% decrease in a single session following a disappointing quarterly report and a revised full-year forecast [1] - The new CEO, Mike Lyons, criticized previous management for focusing on short-term goals at the expense of long-term investments, indicating potential issues within the company's strategic direction [1] - Despite acknowledging Fiserv's potential, there are concerns about its current performance, leading to a recommendation to wait for a bounce before considering investment [2] Group 2 - Fiserv provides technology solutions for payments and financial services, including areas such as merchant acquiring, digital banking, fraud prevention, and payment processing [2] - The stock's ongoing decline raises questions about the company's stability, with the CEO's explanations failing to reassure investors [2] - Comparatively, certain AI stocks are viewed as having greater upside potential and lower downside risk, suggesting a shift in investment focus away from Fiserv [2]

Core Insights - Nasdaq, Inc. (NDAQ) is a technology company valued at $55.2 billion, providing various services including trading, clearing, and financial information [1] - The company is expected to announce its fiscal fourth-quarter earnings for 2025 on January 29, 2026, with analysts predicting a profit of $0.91 per share, a 19.7% increase from the previous year [2] - For the full fiscal year 2025, analysts forecast an EPS of $3.43, representing a 21.6% increase from $2.82 in fiscal 2024, with further growth expected to $3.81 in fiscal 2026 [3] Performance Metrics - NDAQ stock has outperformed the S&P 500 Index, gaining 31.5% over the past 52 weeks compared to the index's 17.1% [4] - The company's financial performance is bolstered by a strategic focus on high-growth segments in financial technology [5] - In its Q3 results, NDAQ reported an adjusted EPS of $0.88, exceeding Wall Street's expectations, with net revenue of $1.32 billion also surpassing forecasts [5] Analyst Sentiment - The consensus opinion on NDAQ stock is moderately bullish, with 11 out of 18 analysts recommending a "Strong Buy" and an average price target of $107, indicating a potential upside of 6.6% [6]

Milwaukee, Wisconsin-based Fiserv, Inc. (FISV) provides payments and financial technology services. Valued at $35.7 billion by market cap, the company provides solutions for customer deposit and loan accounts, digital banking, financial and risk management. FISV also manages card processing, cardless ATM services, and non-card digital payment solutions for financial institutions and corporate clients. The fintech giant is expected to announce its fiscal fourth-quarter earnings for 2025 in the near term. ...

Core Insights - Blockchain and fintech are reshaping the global economic landscape, driving transparency and efficiency in financial systems through decentralized and secure technologies [1] - The translation of blockchain and fintech terminology is crucial for accurate understanding and implementation, requiring continuous learning and cultural adaptation [1] - The value of translation in blockchain and fintech is evident in various scenarios, including international white papers, cross-border regulatory compliance, and open-source project documentation [2] Group 1 - Blockchain is a distributed ledger technology that ensures data immutability through decentralization and encryption [1] - Fintech encompasses technological solutions for financial services such as payments, lending, and investment [1] - The combination of blockchain and fintech has led to innovations like cryptocurrencies, smart contracts, and decentralized finance [1] Group 2 - Accurate translation of terms like "smart contract" and "consensus mechanism" is essential to avoid confusion and misinterpretation [1] - The dynamic nature of the field necessitates that translators stay updated with emerging concepts like "zero-knowledge proof" and "lightning network" [1] - Cultural adaptation in translation, such as translating "gas fee" to "燃料费," is important for maintaining technical metaphors and aligning with local understanding [1] Group 3 - Translation plays a vital role in the dissemination of international technical white papers, ensuring developers grasp protocol design concepts [2] - Legal equivalence in cross-border regulatory documents is critical for the lawful operation of enterprises [2] - A case study in decentralized finance illustrates how precise translation can enhance local adaptation and prevent system misuse [2]

Core Insights - A couple in their mid-30s has $2.3 million in liquid assets and aims to reach $4 million by age 42, with a combined annual income of $550,000 [2][3] Group 1: Financial Situation - The couple's liquid net worth includes cash and investments that can be quickly converted to cash, excluding assets like their home or retirement accounts [5] - Their liquid assets provide significant flexibility, allowing them to navigate financial challenges without stress [6] Group 2: Investment Strategy - The couple employs dollar-cost averaging, investing equal amounts at regular intervals regardless of market conditions, which helps manage investment costs over time [9] - Staying invested during market downturns has been crucial for their financial success, as it prevents timing mistakes that can lead to lower returns [10]

Core Insights - Dave Inc.'s shares have increased by 173.5% over the past year, outperforming the industry growth of 17.8% and the Zacks S&P 500 Composite's rise of 20.3% [1][6] - The company has added 843,000 members in Q3 2025, bringing total membership to 13.5 million, a 17% year-over-year increase [5][15] - Dave's new fee model and CashAI v5.5 have significantly contributed to customer growth and retention [8][15] Performance Comparison - Dave's stock has outperformed peers such as LiveRamp, which saw a 6.3% decline, and Nable, which experienced a 22.9% drop [1][4] - In the last month, Dave's shares gained 15.2%, while LiveRamp and Nable lost 2.6% and 3.9%, respectively [4] Customer Growth and Acquisition - The increase in membership was driven by a 25% year-over-year rise in Dave Card spend, while customer acquisition cost (CAC) remained stable at $19 [5][6] - ExtraCash origination increased by 49% year-over-year, indicating successful marketing efforts [5] Financial Metrics - Dave's current ratio improved to 8.7 in Q3 2025, up from 6.81 a year ago, significantly exceeding the industry average of 1.58 [13] - The company trades at 16.56 times forward 12-month EPS, below the industry average of 26.11 times, making it attractive for value-oriented investors [9] Profitability - Dave's return on equity (ROE) stands at 77.8%, compared to the industry average of 15.3%, while its return on capital invested (ROIC) is 48.8%, well above the industry average of 7.7% [11] - These metrics indicate strong profitability and efficient shareholder return generation [11] Revenue and Earnings Projections - The Zacks Consensus Estimate for 2025 revenues is $546.1 million, reflecting a 57.3% increase from the previous year, with a further 20.2% anticipated growth in 2026 [14] - The consensus estimate for 2025 earnings per share is $12.96, indicating a 147.3% increase from the prior year, with an expected 8% rise in 2026 [14]

Core Viewpoint - SoFi Technologies (SOFI) shares experienced a significant decline of nearly 8% following a $1.59 billion equity offering, indicating potential bearish momentum ahead [1]. Group 1: Stock Performance - Following the recent equity offering, SoFi stock is down nearly 19% compared to its 52-week high [2]. - The stock closed below a major support level (100-day moving average), suggesting further bearish trends may develop [1]. Group 2: Earnings and Future Prospects - SoFi is scheduled to report its Q4 earnings on January 26, with consensus expectations for quarterly profit to more than double year-over-year to $0.11 per share, which could act as a near-term catalyst for recovery [4]. - Analysts from Needham maintain a "Buy" rating on SOFI with a price target of $36, indicating a potential upside of about 33% [6]. Group 3: Business Developments - The company is expanding into the cryptocurrency market and has launched the "SoFiUSD" stablecoin, diversifying its revenue streams and strengthening its position in digital assets [5]. - The core business is expected to benefit from anticipated interest rate cuts by the Federal Reserve in 2026 [5]. Group 4: Analyst Sentiment - Despite positive developments, the consensus rating on SoFi shares is currently "Hold," with a mean target of $27.53, indicating caution among analysts regarding a strong rebound in the near term [8].