Core Insights - Clover, an all-in-one commerce solution from Fiserv, has announced a collaboration with Wink to integrate biometric payment technology into its platform, marking a significant shift towards identity-based payments with enhanced security and customer experience [1][2]. Group 1: Collaboration and Technology Integration - The collaboration integrates Wink's biometric face and palm payment technology with Clover, enhancing transaction security and customer checkout experiences [1][2]. - This integration will initially target quick-service restaurants (QSRs), sports venues, and retailers, with a broader rollout planned through 2026 [2]. Group 2: Benefits of the New Solution - Clover merchants will benefit from faster, personalized checkout experiences while securing transactions with AI-powered biometrics, reducing fraud exposure and increasing customer loyalty [2][4]. - The use of a secure token vault to manage biometric profiles enhances transaction security by ensuring sensitive data is not stored alongside payment credentials [2][5]. Group 3: Future of Commerce - The integration aims to unify payment and identity, making advanced biometric technology accessible for small and medium-sized businesses (SMBs) [3]. - Consumers will enjoy frictionless interactions through biometric recognition methods, including contactless palm, face, and voice authentication, which comply with strict payment and data protection standards [3][7]. Group 4: Company Background - Fiserv is a global leader in payments and financial technology, recognized as a Fortune 500 company and a member of the S&P 500 Index [5][6]. - Wink is noted for its multi-factor biometric platform, which combines various recognition methods to enhance security and customer experience across channels [7][8].

Core Insights - Nuvei and FreedomPay have partnered to provide a unified payments solution for enterprise merchants, integrating in-store and digital commerce on a secure platform [1][2][3] Group 1: Partnership Overview - The collaboration aims to support omnichannel transformations for leading brands by offering flexible payment systems that connect physical and digital commerce experiences [2][5] - The integration of FreedomPay's Next Level Commerce™ platform with Nuvei's scalable payments infrastructure allows merchants to create frictionless and secure checkout experiences [2][4] Group 2: Benefits for Merchants - Enterprise merchants will be empowered to enhance customer experiences across various touchpoints, ensuring transactions remain connected through unified tokenization and data insights [3][5] - The partnership enables merchants to innovate, launch new commerce formats, and expand into new channels without the need to rebuild existing technology [4][5] Group 3: Security and Reliability - FreedomPay is recognized for its high standards in payment security, being one of the first solutions in North America validated by the PCI Security Standards Council for P2PE [7] - The unified technology stack and integrated solutions provided by FreedomPay ensure that businesses can maintain operational security and visibility without added complexity [5][7] Group 4: Company Profiles - FreedomPay is a leader in Next Level Commerce™, providing a world-class independent payment gateway that simplifies payment processes across various sectors including retail and hospitality [6][8] - Nuvei focuses on building a comprehensive payment infrastructure, enabling businesses to accept diverse payment methods and operate in over 200 markets with local acquiring in 50 markets [8]

Core Insights - Visa-linked crypto card spending surged by 525% in 2025, increasing from $14.6 million to $91.3 million in net spend, indicating a significant shift in consumer behavior towards using crypto as a payment method rather than speculation [1] - The growth in Visa crypto spending occurred despite significant price fluctuations in major cryptocurrencies like Bitcoin and Ethereum, suggesting a transition in usage from speculative assets to practical financial tools [2] Group 1: Visa Crypto Card Spending Growth - The increase in Visa crypto card spending aligns with a broader trend where stablecoins and payment systems are handling trillions of dollars in monthly transactions, transforming crypto into a more stable form of digital cash [1] - Visa's partnership with Bridge to launch stablecoin-linked cards in Latin America has contributed to this growth, as stablecoins like USDC and USDT provide reduced price volatility, making them more appealing for everyday transactions [5] - EtherFi-led cards accounted for $55.4 million in annual spending, indicating a preference among users for cards linked to stable balances rather than volatile cryptocurrencies [5] Group 2: Innovations in Crypto Payment Solutions - The emergence of Avici, a Solana-based Neo bank offering a self-custody Visa crypto card, has further boosted spending, allowing users to spend digital assets without selling them and access instant credit lines backed by their crypto [6] - Since its launch in September 2025, Avici has seen over $7 million spent on its Visa crypto cards, highlighting strong demand for its services [7] Group 3: Usability of Crypto - The surge in Visa crypto spending demonstrates the growing usability of cryptocurrencies for everyday purchases, such as groceries and travel, which lowers the barriers for new users [8]

Core Insights - Mastercard is evolving from a card-network operator to a comprehensive technology and services platform, with value-added services becoming a significant growth driver [1][9] Value-Added Services - Mastercard's value-added services (VAS) include fraud prevention, cybersecurity, data analytics, loyalty programs, open banking, and identity verification, enhancing efficiency and decision-making for banks, merchants, fintechs, and governments [2] - The net revenues from value-added services rose by 21% year-over-year on a currency-neutral basis in the first nine months of 2025, now accounting for nearly 40% of total revenues, indicating a shift towards revenue diversification [4][9] Artificial Intelligence Integration - Artificial intelligence plays a crucial role in Mastercard's VAS, improving fraud detection, real-time risk assessments, and identity verification, bolstered by the acquisition of Recorded Future for enhanced cyber threat intelligence [3] Competitive Landscape - Competitors like Visa and American Express are also enhancing their value-added services, with Visa focusing on digital identity and fraud prevention, while American Express offers real-time fraud monitoring and merchant analytics [6][7] Stock Performance and Valuation - Over the past year, Mastercard's shares increased by 11.1%, contrasting with a 6.7% decline in the industry [8] - The company trades at a forward price-to-earnings ratio of 29.79, above the industry average of 20.55, and has a Zacks Consensus Estimate indicating a 12.5% growth in earnings for 2025 [10][12]

Group 1 - The author is an electromechanical engineer with experience in automotive, IT infrastructure, and medical device industries, aiming to provide technical breakdowns on company products and share industry experiences [1] - The focus is on delivering insights into current engineering trends and real-world product knowledge, which can benefit investors conducting research [1] - The author identifies as a long-term buy-and-hold investor, seeking investments with strong cash flows and a growing passive income stream or significant R&D investments [1]

Group 1 - Airwallex plans to invest approximately $234.3 million in the Netherlands over the next five years as part of its strategy to expand in Europe, moving away from its traditional focus on the Asia-Pacific region [1][3] - The company aims to increase its staff in Amsterdam by 60%, reaching around 70 full-time employees by the end of 2026 [1] - Airwallex has surpassed $1 billion in annual recurring revenue and is preparing for a potential initial public offering in 2026, although it has not confirmed its listing plans [3] Group 2 - Established in 2015, Airwallex operates a cross-border payments platform that facilitates international transfers, multi-currency accounts, and online payment processing [2] - The firm has raised significant capital, including $300 million in May 2025, which increased its valuation to over $6 billion, followed by a Series G round that secured $330 million at an $8 billion valuation [2] - As of October 2025, Airwallex serves over 150,000 customers, including notable clients like Shein, Bolt, TikTok, and Canva, and competes with European payment providers such as Adyen and Mollie [4]

Core Viewpoint - Mastercard Incorporated (NYSE:MA) is recognized as one of the best dividend stocks to invest in for January, reflecting its strong market position and growth potential [1]. Group 1: Financial Performance - Freedom Capital analyst Mikhail Paramonov raised the price target for Mastercard to $655 from $635, maintaining a Hold rating, following strong Q4 results [2]. - Mastercard is experiencing faster growth compared to Visa, despite operating on a smaller scale [2]. Group 2: E-commerce Growth - The steady expansion of e-commerce continues to benefit Mastercard, as both merchants and consumers prefer the convenience and cost efficiencies of online transactions [3]. - Early data from Mastercard SpendingPulse indicates healthy consumer activity during the holiday season, with US retail sales (excluding autos) rising 3.9% year over year from November 1 to December 21 [4]. - E-commerce sales increased by 7.4% during the holiday period, while in-store sales rose by 2.9%, highlighting the trend of blended shopping [4]. Group 3: Company Overview - Mastercard operates as a technology company in the global payments space, connecting consumers, financial institutions, merchants, and governments through its payments network [5].

Core Viewpoint - Shift4 Payments, Inc. has declared a cash dividend of $1.50 per share for its 6% Series A Mandatory Convertible Preferred Stock, payable on February 2, 2026, to shareholders of record as of January 15, 2026 [1] Group 1: Dividend Declaration - The Board of Directors has declared a dividend of $1.50 per share for the 10,000,000 shares of Series A Mandatory Convertible Preferred Stock issued on May 5, 2025 [1] - Future quarterly dividends will be at the discretion of the Board, based on various factors including operating results and financial condition [2] Group 2: Company Overview - Shift4 Payments is a leader in commerce-enabling technology, processing billions of transactions annually for hundreds of thousands of businesses across various industries [4] - The company aims to simplify complex payment ecosystems globally [4]

As filed with the Securities and Exchange Commission on January 5, 2026. Registration No. 333-______ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ––––––––––––––––––––––––––––––––––– FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ––––––––––––––––––––––––––––––––––– Picpay Holdings Netherlands B.V.* (Exact Name of Registrant as Specified in its Charter) ––––––––––––––––––––––––––––––––––– The Netherlands 7389 N/A (State or other jurisdiction of incorporation or org ...

Core Insights - Visa Inc. remains a dominant player in the digital payments sector due to its extensive network and integration with various stakeholders including consumers, merchants, banks, and governments [1] - The company's transaction-based revenue model allows it to generate income from payment volumes without incurring credit risks, contributing to its resilience during economic fluctuations [2] - Visa's ongoing investments in value-added services such as fraud prevention, data analytics, and real-time payments are diversifying its revenue streams and enhancing its network's importance [3] - The long-term trend of moving away from cash payments is benefiting Visa, particularly in emerging markets and among small businesses, thereby expanding its addressable market [4] Competitor Analysis - Mastercard is also experiencing growth, with a 13% year-over-year increase in net revenues from its payment network in the first nine months of 2025, driven by digital payment adoption [5] - American Express reported a 9% year-over-year revenue increase and a 7% growth in network volumes, leveraging its upscale clientele and travel demand recovery [6] Financial Performance and Valuation - Visa's stock has appreciated by 10.7% over the past year, contrasting with an 8.4% decline in the industry [7] - The company achieved an 8% year-over-year growth in payment volume in fiscal 2025, primarily from digital and cross-border transactions [8] - Visa's forward price-to-earnings ratio stands at 26.13, above the industry average of 20.50, and it holds a Value Score of D [9] - The Zacks Consensus Estimate indicates an 11.7% increase in Visa's fiscal 2026 earnings compared to the previous year [10] Earnings Estimates - Current Zacks Consensus Estimates for Visa's earnings per share (EPS) are as follows: - Current Quarter (12/2025): 3.14 - Next Quarter (3/2026): 3.06 - Current Year (9/2026): 12.81 - Next Year (9/2027): 14.50 - Year-over-year growth estimates for EPS are projected at 14.18% for the current quarter and 11.68% for the current year [11]