SoFi Tech Solutions @SoFiTechSol

For HSA, FSA and assistance programs, real-time spend controls can check merchant category, spend type and eligibility at authorization, approving qualifying purchases and blocking non-compliant ones before funds move. That can reduce receipt chasing, reconciliation and manual exception handling as programs scale. We look at how category-level controls can help issuers lower administrative burden while keeping benefit programs easier to manage: tech.sofi.com/blog/real-time… #DigitalBanking #Payments #EmployeeBenefits #Fintech

The hidden costs of legacy debit show up as revenue leakage, operational drag, fraud exposure and delayed innovation — not on the processor invoice. False declines can mean lost interchange and frustrated customers. Manual exceptions add operational work. Slow integrations can delay features that competitors are already bringing to market. Those costs may never appear as a processing fee, but they still hit the P&L. We look at how modern debit infrastructure enables real-time decisioning, instant issuance, configurable controls and loyalty-driven experiences that deepen customer relationships: tech.sofi.com/blog/hidden-p-… #Debit #DigitalBanking #Payments #Fintech

Checks and other outdated payout methods can tie up capital in transit, create more exception and reconciliation work, and leave recipients waiting for funds they expected sooner. Over time, that friction can affect trust and create costs that rarely show up clearly on the disbursement line of a budget. We look at four places those costs can hide — float, recipient trust, administrative overhead and missed revenue — and how modern card-based disbursements can help make payouts faster and easier to manage. tech.sofi.com/blog/how-slow-… #Disbursements #Payments #Fintech #MoneyMovement

Claims, incentives and refunds may start inside an app, but the actual payment can still depend on batch files, approval queues and separate reconciliation. That gap between “approved” and “paid” adds cost, delays access to funds and creates more support work. Embedding payouts through APIs lets teams trigger, route and track disbursements inside the same product flow, with different rules for claims, incentives and refunds and more flexibility around speed and cost. We break down the API patterns behind a more connected payout experience: tech.sofi.com/blog/embedding… #Payouts #Payments #Fintech #DigitalBanking

Embedded finance ideas are easy to put on a roadmap, but putting them into action requires the right framework. In his latest article for @DTPaymentNews, SoFi Tech Solutions’ VP of Product Management, Prashant Shah, looks at why embedded finance programs often stall before launch and what questions you should ask before getting started. With only 20% of brands surveyed live with embedded finance and 80% still in planning, Prashant breaks down what teams need to get right early to move from a one-off product idea to a program that can launch and grow. Read the full article: digitaltransactions.net/wp-content/upl… #EmbeddedFinance #Payments #Fintech #DigitalBanking

Loyalty programs work best when brands have more opportunities to engage customers than the occasional booking or big purchase. Co-brand debit brings loyalty into everyday spend, from groceries and dining to transit and subscriptions. That gives travel, hospitality and retail brands more frequent touchpoints, access to richer transaction data and a way to reach customers who prefer debit over credit. We look at why co-brand debit is becoming a bigger part of the loyalty playbook and what brands need to launch successfully: tech.sofi.com/blog/co-brand-… #Loyalty #Debit #Payments #EmbeddedFinance

Traditional credit scoring is a catch-22 for a lot of consumers. For gig workers, immigrants, college students and thin-file consumers, you need credit to build credit, and the score doesn’t have enough data to accurately predict repayment. Arro built its proprietary Arro Score to combine traditional credit data with real-time behavioral and cash flow data, allowing it to assess risk and adjust credit lines dynamically based on live signals rather than a static snapshot. Behind that model, Arro’s card processing, credit line management and ACH infrastructure run on SoFi Tech Solutions, providing the technology needed to execute those changes at scale. See how Arro is expanding access to credit with SoFi Tech Solutions: tech.sofi.com/clients/arro-f… #Fintech #Credit #FinancialTechnology

Secured credit can be a strong way to help consumers build or rebuild credit, but the operational model behind the program matters just as much as the customer experience. Collateral deposits need to be tracked accurately, payments have to post against the right balance, refunds and releases need to happen cleanly, and all of it has to reconcile every day. When those functions sit across disconnected systems, servicing costs and manual work can grow quickly as the portfolio scales. A unified platform can simplify that process by keeping deposits, credit processing and account servicing on the same ledger. We look at what banks and fintechs should consider when choosing a partner to support secured credit at scale: tech.sofi.com/blog/secured-c… #SecuredCredit #DigitalBanking #Payments #Fintech

Transaction volume only tells part of the story of how a debit program is performing. Banks and fintechs also need to understand how quickly customers activate and start spending, whether debit becomes part of recurring purchases and whether direct deposit is helping strengthen the account relationship. Looking at those signals together gives teams a clearer view of engagement, profitability and where friction may be getting in the way. We break down the key debit program KPIs to track: tech.sofi.com/blog/key-debit… #Debit #DigitalBanking #Payments #Fintech

Corporate charge programs can look similar on a feature sheet. The differences tend to show up once the program starts to scale. A growing client may need to add business units, set more specific spend controls, fund transactions in real time and push cleaner data into its finance systems. If the underlying infrastructure cannot support that complexity, the program can quickly create more work for both product and finance teams. We look at the five capabilities program managers should pressure-test before choosing or upgrading a corporate charge card platform: tech.sofi.com/blog/5-must-ha… #CorporateCards #Payments #ExpenseManagement #Fintech

Co-brand debit isn't just being an alternative to credit. For airlines, hotels and other consumer brands, it's a way to reward everyday spend and stay connected between big purchases. It also reaches customers who already love the brand but just prefer paying with debit. We look at why co-brand debit is picking up again, how the economics work, and what smarter, more personalized rewards could look like: tech.sofi.com/blog/why-co-br…

More technology partners can mean more complexity as a fintech grows. When deposit accounts, debit processing, card issuing, fraud controls and money movement operate across separate platforms, teams have more integrations, data flows and operational dependencies to manage. Our guide explores how bringing DDA and debit together with one technology partner can create a more connected foundation for scale. tech.sofi.com/blog/why-finte…

Modernizing a corporate card program is not just an infrastructure decision. It’s a unit-economics decision. The business case should account for more than processing fees, including reconciliation work, compliance overhead, time to launch and the revenue opportunities delayed by infrastructure that cannot scale with the product roadmap. See how expense management platforms can evaluate the cost of standing still and build the case for modernization. tech.sofi.com/blog/building-…

Customers may book a trip only a few times a year. Their debit cards are part of everyday life. Co-brand debit gives travel and hospitality brands another way to extend loyalty beyond the booking or stay, creating opportunities to engage customers through the purchases they make between trips. See how co-brand debit can add an everyday layer to a broader loyalty strategy. tech.sofi.com/blog/co-brand-…

A corporate charge card program needs to work when the business gets more complex, not just when it launches. Centralized credit, organizational hierarchy, programmable spend controls, real-time funding and connected transaction data can determine whether a program scales with its customers or creates more work for finance teams. Explore five capabilities to test when evaluating your corporate charge card infrastructure. tech.sofi.com/blog/5-must-ha…

Transaction volume tells you how much a debit card is being used. It doesn’t tell you whether the program is building a stronger customer relationship. Activation, time to first transaction, recurring usage, direct deposit attachment, profitability and risk all help provide a more complete picture of performance. Our latest guide breaks down the KPIs banks and fintechs can use to understand where a debit program is gaining traction and where there’s room to improve. tech.sofi.com/blog/key-debit…

Your debit processor’s invoice tells only part of the story. The true cost of a legacy debit platform often appears elsewhere: legitimate transactions declined, resource-intensive exception handling, limited fraud-control flexibility, and slow time to market for new products and features. SoFi Tech Solutions’ latest guide outlines a practical framework for identifying and quantifying these hidden costs and evaluating how a modern debit-processing platform can deliver measurable operational, customer-experience, and financial impact. Read the guide: tech.sofi.com/blog/hidden-p-…

What happens to the customer relationship between loan payments, or after the loan is paid off? For fintech lenders, adding deposit and debit capabilities can create more opportunities to stay connected through everyday spending, saving and repayment while opening additional revenue opportunities beyond origination. Explore how embedded banking can help fintech lenders build a broader, multi-revenue relationship with customers: tech.sofi.com/blog/embedded-…

The cost of a legacy corporate card program goes beyond processing fees. Manual reconciliation, fragmented compliance and slow product launches can all affect unit economics as a program scales. Building the case for modernization means looking at the full picture: cost per active card, time-to-revenue and the potential impact on customer retention and expansion. See how expense management platforms can evaluate the business case for a modernized corporate charge card program: tech.sofi.com/blog/building-…