A declined payment doesn’t always have to mean $0 collected. Intro XL now supports PaySuccess, the partial-authorization capability of Payliance’s PayYield platform. When a borrower can’t cover the full scheduled debit payment, PaySuccess can authorize and collect the available partial amount instead of failing the transaction outright. What does that […]
Protected: Intro XL Sales Process
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Is Your Lending Operation Ready for AI Agents?
AI is moving fast, but most of the conversation is still about chatbots and question answering. That is not where the most practical opportunity is for lenders. The better question is whether AI can help your team get actual work done. Can it run reports, pull comparisons, flag changes, summarize […]
Why Some Debit Cards Should Not Be Saved or Tokenized for Loan Repayments
For loan repayments, the requirement is reliable recurring payments, not one-time card success. Some cards can be validated (or even tokenized) and still fail when used for autopay or recurring debits. Important: Tokenization does not equal recurring eligibility. Token creation often only confirms the card exists. Issuers can still block […]
The High Rates Small Loan Model
At a Glance Fraud and eligibility controls determine whether the Lender can lend. During the pilot, the IBV Analytics Scorecard recommends whether the first-loan offer should be $500, $400, or $300. It is a loan-sizing input, not a stand-alone approval or decline engine. Clean files move directly to funding after […]
Capital One and Discover Debit Cards ****show
So… Your Capital One Cards Suddenly Stopped Working? Remember when you could save and tokenize your Capital One cards without any issues? That changed recently, and not because of anything on your end, but because Capital One started moving their debit cards from Visa/Mastercard over to the Discover network. Apparently […]
We Pitted Two AIs Against Each Other to Solve a Wall Street-Level Puzzle. The Results Were Not What I Expected.
It began with a deceptively simple challenge: analyze a raw transaction ledger and identify the most profitable customers. But this wasn’t a tidy spreadsheet. It was an uncurated SQL export with 50+ transaction types, hidden rules, and edge cases. Anyone who has worked with real-world finance data knows this is […]
A Comprehensive Guide for Online Lenders
Summary Online lending has expanded access to credit for millions of borrowers who value speed, flexibility, and digital convenience. At the same time, operators face rising acquisition costs, evolving compliance requirements, fraud pressure, and operational complexity. The lenders who succeed treat lending as an integrated operating system, not a collection […]
CFPB Will Not Prioritize Enforcement or Supervision Actions For The Payday Payment Rule
It’s a step in the right direction at the 11th hour, CFPB Offers Regulatory Relief for Small Loan Providers but the exposure to the rule still exists. Under Section 5552 of Title 12 of the United States Code, concerning the Preservation of Enforcement Powers of States under the Consumer Financial […]
Is the Payment Rule in Play on March 30, 2025?
I’d love to tell you more, but my crystal ball is in the shop, and I’m sworn to secrecy—so if you’re looking for details, you’ll have to consult someone with fewer standards and a working glass ball. 😉 Looking for a consultation? Book a Consultation