February 5, 2025 | Your Inbox Last Night |

IMPORTANT: To have this episode delivered to you daily, and to be on the waitlist for our new app, please sign up HERE: ⁠⁠⁠https://your-inbox.beehiiv.com/subscribe⁠⁠ ==================================== We know you subscribe to the most essential newsletters in payments and fintech. You just don't have the time to read them all, every day. Welcome to Your Inbox Last Night. We read your inbox to you each day: popular industry newsletters | crypto & web3 | our favorite substacks Listen to what you missed in Your Inbox Last Night PLUS some insider gossip and blind items from our very own sleuth, Mr. X. ====================================== Payometry Labs is the content creation arm of Payometry Technology & Consulting. If you are looking for more fuel for your engine, we are here to help with payments expertise. Reach us at [email protected] ======================================= If you are having card decline issues, you need to speak with Scott Tivey, the foremost expert in card declines on the planet. Did you know that substituting A2A payments instead of cards will hurt Merchants' customer retention? Speak with Scott to learn more. [email protected] ======================================= Links to Newsletters from Today's Episode Banking Dive | OCC issues CRA ratings for banks in Ohio and Illinois | link The AI Report | OpenAI’s future plans leaked | link Payments Dive | Democrats push back on Trump’s payments policy upheaval | link Biometric Update | Scotland launches center for digital trust and DLT | link Global Government Fintech | Papua New Guinea explores CBDC proof of concept | link The Paypers | Worldpay to acquire Ravelin | link The Paypers | Banks urge Australia’s Parliament to modernize payments regulation | link The Paypers | Trump grants Musk-linked team access to federal payments system | link Digital Transactions | PayPal points to a “best-in-class” checkout experience | link Digital Transactions | AI-driven cyber fraud rise prompts Worldpay’s Ravelin acquisition | link This Week in Fintech | Emerging fintech AI agent architecture | link Marcel van Oost Substack | N26 completes transformation into a full-service digital bank | link Glenbrook | Payments strategy and industry insights | link Fashion Network | WeChat Pay launches in North America | link Finextra | Fintech Cushion shuts down | link