SoFi Tech Solutions

For consumers with limited credit histories or those working to rebuild their credit, secured cards can provide a path toward broader credit access. Deposit-backed credit lines help issuers manage risk while giving customers an opportunity to establish positive payment histories. Real-time spending controls, configurable limits and clear graduation paths can support that relationship as customers build credit over time. Our latest playbook looks at how fintechs and card issuers can build secured credit programs that expand access responsibly while managing risk and supporting long-term customer engagement. tech.sofi.com/blog/secured-c… #SecuredCredit #CreditAccess #Fintech #DigitalBanking

HSA and FSA card programs need to do more than enforce eligible spending. For benefits providers and healthtech platforms, real-time spend controls, instant card issuance and digital wallet access can make these programs easier to use while reducing manual administration and substantiation work. Those capabilities also give providers more flexibility to design programs that encourage card usage, support member engagement and improve program economics. Take a look at the technology behind modern HSA and FSA card programs and how it can help teams move beyond basic compliance: tech.sofi.com/blog/wallet-be… #EmployeeBenefits #CardIssuing #Fintech #Payments

Banks and fintechs often have credit products they want to launch but can't support with their existing infrastructure. New card programs, BNPL offerings and tailored credit lines can require servicing capabilities, payment schedules and ledger functionality that legacy systems weren't designed to handle. With SoFi Tech Credit, organizations can launch new products alongside their existing core using modular, API-first servicing and ledger infrastructure, without migrating their entire portfolio. We look at how this approach can help teams bring new credit products to market without a full core replacement: tech.sofi.com/blog/launch-cr… #Credit #Fintech #DigitalBanking #BankingTechnology

For delivery drivers, getting paid the moment a job is completed means faster access to earnings for everyday expenses like gas and groceries. Through its partnership with SoFi Tech Solutions, Everee is helping employers deliver real-time pay through custom-branded pay cards that keep workers connected to their earnings. The result is a better pay experience that helps employers stay competitive and build a happier, more engaged workforce. Hear how Everee is making payroll move at the speed of work. tech.sofi.com/clients/everee… #RealTimePayments #Payroll #Fintech #MoneyMovement

A secured credit program can run smoothly in a pilot and still become costly to manage as the portfolio grows. Every new account adds collateral deposits, payments, refunds and releases that need to be tracked and reconciled. When those functions sit across separate systems, small timing mismatches can create manual work, confusing balances and slower refunds. SoFi Tech Solutions' Dynamic Funding brings deposit collateralization and credit processing together on one platform, automating fund movement and helping issuers manage their programs more efficiently as they scale. Read why choosing the right infrastructure partner matters for building a secured credit program that can grow without adding unnecessary operational complexity: tech.sofi.com/blog/secured-c… #SecuredCredit #Fintech #DigitalBanking #Payments

Instant payouts can do more than improve the recipient experience. They can create new revenue opportunities for marketplaces and platforms. Offering free standard payouts alongside paid instant transfers gives recipients more choice while allowing platforms to capture revenue from those who value faster access to funds. Volume-based pricing and payouts into branded accounts can also help improve program economics and create opportunities for ongoing engagement. We look at the five ways marketplaces can monetize instant payouts, from expedited-access fees to downstream interchange, and the infrastructure needed to support those models. tech.sofi.com/blog/instant-p… #InstantPayments #Payouts #Fintech #MoneyMovement

Millions of consumers have limited credit histories or are working to rebuild their credit, creating an opportunity for issuers that can serve them responsibly. Secured credit helps manage that risk by backing credit lines with customer deposits, while real-time controls, adjustable limits and clear graduation paths allow programs to support customers as they build positive credit histories. For banks and fintechs, the right issuing and servicing infrastructure can help expand access while managing risk across a growing portfolio. We break down what it takes to build a secured credit program that supports both responsible lending and long-term customer relationships: tech.sofi.com/blog/secured-c… #SecuredCredit #CreditAccess #Fintech #DigitalBanking

Customers want financial services available when and where they need them, without having to leave what they're doing to open a separate app. In a new interview with @PYMNTS, SoFi Tech Solutions' Prashant Shah explains why fintechs need to connect accounts, payments and risk controls as they expand their offerings, creating a more cohesive experience rather than adding disconnected products. Prashant also discusses why reliability, fraud prevention and how providers respond when something goes wrong are just as important to the customer relationship as speed and convenience. Catch the full interview: pymnts.com/innovation/2026/s… #Fintech #EmbeddedFinance #Payments

We’re at @Money2020 in Las Vegas this week! Come by booth 11033 to talk partnerships with our team, and bring what you want to build next. We’ll show you how we can get there together! #Money2020

Just released: The Q3 SoFi Tech Solutions Debit Spend Index shows how people kept spending this summer even as prices rose across major categories. Debit spend rose 7.4% and transactions rose 5.9% from Q2 to Q3, and every recurring category in the Q3 Debit Spend Index grew on both measures. More than 62% of those transactions were digital. Learn more about how people spent with debit in Q3: tech.sofi.com/research/debit… #ConsumerSpending #Debit #Payments

We're at @Money2020 in Las Vegas! Stop by booth 11033 to connect with the team. We look forward to seeing you there! #Money2020 #Fintech #Payments

Brands are planning financial experiences that go well beyond a single card or payment feature. Our 2026 Integrated Financial Services Research found that surveyed brands plan to launch an average of more than three financial services, with nearly half looking to combine cards with digital wallets or loyalty programs. For retailers, travel companies and other consumer platforms, that means choosing technology and partners that can support multiple products as their customer relationships grow. See what brands are prioritizing and where the biggest opportunities lie: tech.sofi.com/blog/new-2026-… #EmbeddedFinance #Payments #Fintech #DigitalBanking

For fintech lenders, the customer relationship often revolves around loan origination and monthly payments. Adding deposit accounts and debit gives customers more reasons to use the platform throughout the month. Integrated banking capabilities can let borrowers receive funds, manage everyday spending and make repayments in one place. For lenders, that creates opportunities to generate interchange revenue, improve repayment engagement and maintain relationships after a loan is paid off. We look at how fintech lenders can build a broader revenue model through embedded debit and deposits: tech.sofi.com/blog/embedded-… #EmbeddedFinance #Fintech #DigitalBanking #Payments

Fraud teams need to know why a transaction was flagged, not just whether a system considers it risky. As AI-powered fraud attacks grow more sophisticated, static rules and black-box models can make it harder to investigate suspicious activity and respond without disrupting legitimate customers. In our latest look at AI-driven fraud prevention, SoFi Tech Solutions' Max Spivakovsky and experts from DataVisor discuss the importance of explainable decisions, real-time signals and flexible data integration in building more effective fraud controls. Read more: tech.sofi.com/blog/from-reac… #FraudPrevention #AI #Fintech #Payments

Launching a payment card program means coordinating issuing partners, payment networks, compliance, settlement and ongoing operations. How those responsibilities are managed can have a big impact on launch timelines and long-term costs. For fintechs and brands, keeping everything in-house may offer greater control, while outsourcing can reduce the operational burden. A hybrid approach lets companies maintain ownership of the customer experience while relying on experienced partners for specialized functions. We break down what organizations should consider when deciding how to manage their payment programs: tech.sofi.com/blog/own-or-ou… #ProgramManagement #CardIssuing #Fintech

Co-brand debit is a big part of the loyalty strategy as brands look for more ways to engage customers between major purchase moments. Debit gives brands a way to reward the everyday spend customers are already making, while reaching people who may prefer debit even when they are highly engaged with the brand. The opportunity gets even stronger as rewards become more personalized, real-time and connected to the behavior brands want to encourage. Paul Dunning shares why co-brand debit is gaining momentum and what brands should consider as they build the next generation of loyalty programs. tech.sofi.com/blog/why-co-br… #Loyalty #Debit #Payments #EmbeddedFinance

Expanding access to credit takes more than a new scoring model. The infrastructure behind it has to respond just as quickly. Arro combines traditional credit data with real-time behavioral and cash-flow signals to adjust credit lines dynamically as customer behavior changes. SoFi Tech Solutions powers the card processing, credit line management and ACH infrastructure behind that experience. Arro reports more than 300,000 app downloads, 700,000 financial lessons completed and 500% year-over-year revenue growth. See how Arro is building a more flexible path to credit: tech.sofi.com/clients/arro-f… #CreditAccess #Fintech #DigitalBanking #Payments

Excited to share that SoFi Tech Solutions has partnered with Orbi and Mastercard to launch a fiat-crypto card program in Mexico that will let customers use traditional currency or crypto balances for purchases while merchants receive traditional currency. The partnership enables future stablecoin-powered remittances and card spending using SoFiUSD through Mastercard's trusted network. “Mexico is one of the world’s largest remittance markets, and stablecoins are becoming an increasingly important way to move money across its borders,” said Kathleen Pierce-Gilmore, President of SoFi Tech Solutions. “Together with Orbi and Mastercard, we are giving people in Mexico a trusted way to receive, hold and spend digital dollars, while laying the foundation for stablecoin-powered payments and cross-border money movement at scale.” Read more about the news: tech.sofi.com/news/sofi-tech…