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What Embedded Lending Means for Merchants in 2023Why Embedded Lending for Merchants is on the Rise

 ·  By Jess Pelini

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By combining Canopy’s innovative and configurable loan management and servicing platform with Lendflow’s credit decisioning engine and embedded credit solutions, the two companies are enabling the launch of new and innovative credit products at scale for enterprise Fintechs and traditional Lenders.
Canopy HQ
 •  By Dan Desmond

Canopy Servicing Announces Partnership with Lendflow

By combining Canopy’s innovative and configurable loan management and servicing platform with Lendflow’s credit decisioning engine and embedded credit solutions, the two companies are enabling the launch of new and innovative credit products for Lenders.

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Will Hanson, Canopy CTO and Co-Founder, April 2022
 •  By Will Hanson

How Credit Cards Work — Series Introduction

To make a better credit card, it's important to know how credit cards work. In this blog series, Canopy CTO Will Hanson dives deep into credit card policies.

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Credit card photo from Flickr by Sean MacEntee
Canopy HQ
Developers
Industry Insights
Product
 •  By Will Hanson

How Credit Cards Work — Line-Item-Level Interest Policies

Traditionally, credit cards have been governed by amount-level policies. Canopy CTO Will Hanson explains why line-item-level-policies are better for lenders and borrowers.

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Image of Canopy and Visa Ready for BNPL logos
Canopy HQ
 •  By Elise Cox

Canopy Joins with @Visa Ready for BNPL

Canopy is partnering with Visa to enable clients to offer BNPL installment payments on cards around the world.

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An image of Canopy CEO Matt Bivons created by the Tech Talks Daily Podcast
Canopy HQ
Industry Insights
 •  By Elise Cox

Tech Talks Daily: Why Fintech Should Embrace Transparency

Canopy Servicing CEO, Matt Bivons chats embedded finance, convertible credit solutions, and transparency in fintech

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Banner Announcing Canopy as a Stevie Winner
Canopy HQ
 •  By Elise Cox

Canopy Wins Silver Stevie® Award

The American Business Awards has honored Canopy Servicing with a Stevie — one of the most prestigious forms of business recognition in the United States.

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Glass piggy bank illustrates article on Fintech transparency
Industry Insights
 •  By Matt Bivons

Why Fintech Should Embrace Radical Transparency

Canopy CEO Matt Bivons explains why the time has come for better and documented industry processes and roles, anonymized data sharing, and clear and precise customer communication.

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A cropped image of a U.S. soldier in uniform illustrates a story about the Servicemembers Civil Relief Act.
Industry Insights
 •  By Travis Taborek

The 10-Step SCRA Compliance Checklist for New Lenders

The Service Members Civil Relief Act can be intimating for new lenders. This checklist was created to help them understand what they need to do to stay compliant and avoid hefty penalties.

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Image featuring logos of Canopy & Sivo for partnership article
Canopy HQ
 •  By Elise Cox

Canopy and Sivo Forge Partnership for Embedded Lending

Canopy, the most configurable loan management and servicing platform, and Sivo, an API for programmatic debt financing, are partnering to accelerate time to market for Fintechs with embedded lending products.

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A FinTech Breakthrough Award winner badge
 •  By Elise Cox

Canopy Is Awarded Best Open Banking API

FinTech Breakthrough, a leading market intelligence and recognition platform for technology innovation and leadership around the globe, recognized Canopy for the "best open banking API" in its 2022 awards program.

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Image illustrating Buy Now Pay Later payments
Industry Insights
Canopy HQ
 •  By Matt Bivons

How Credit Providers Can Make BNPL Safer for Consumers

Buy Now Pay Later payments have skyrocketed. Here are six ways providers can make BNPL safer while supporting innovation.

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Repeating lights and shapes represent the concept of immutability. By Bradley Jasper Ybanez.
Industry Insights
 •  By Elise Cox

Why Immutability is Critical to Fintechs

The concept of immutability, most commonly associated with a blockchain, is also essential for Fintechs.

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Canopy Servicing is partnering with the historic CBW Bank of Weir, Kansas.
Canopy HQ
 •  By Isabel Magdaleno

Canopy Servicing Announces Partnership with CBW Bank

One of the nation's most tech-forward banks, CBW Bank will leverage Canopy Servicing's loan management and servicing platform on behalf of its Fintech clients and its own products.

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Customer makes a purchase using a smart phone
Industry Insights
 •  By Dan Desmond

Consumers Say They Want Convertible Credit Now

Research shows consumers want flexible payment options beyond BNPL.

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A CSR agent takes care of a customer in a modern call center.
Industry Insights
 •  By Dan Desmond

Redefining Loan Management and Servicing

After decades of uniformity, credit and lending products are experiencing a renaissance thanks to new loan management and servicing platforms.

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Photo of team in Hawaii
Canopy HQ
 •  By Isabel Magdaleno

2021 Year in Review

Canopy Servicing experienced tremendous growth as clients launched and ramped on our loan management and servicing platform.

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A photograph of a customer service representative making a namaste sign illustrates an article about modern servicing driving the Fintech renewal.
Industry Insights
 •  By Elise Cox

Modern Servicing and the Fintech Renewal

Traditional Fintech in the form of neobanks, payment apps, and crypto maybe showing its age, but a Fintech renewal is underway, driven by credit and lending.

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An ornamental chain of wooden houses illustrates the availability of Canopy's BNPL Toolkit in our holiday release
Canopy HQ
Product
 •  By Josh Kaplan

Analyze, Service, & Track BNPL Portfolios with Ease

Canopy Servicing's holiday release includes a BNPL Merchant Toolkit, a new integration with Authorize.net, and an ACH Controller.

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An image of a past due stamp illustrates our article on a better debt collection strategy.
Industry Insights
Canopy HQ
 •  By Elise Cox

A Better Debt Collection Strategy

How you think about debt collection — your strategy and the tactics you use — can be a competitive advantage. Read Canopy's guide to learn more.

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A handful of credit cards illustrates our fintech punch list article.
Industry Insights
Canopy HQ
 •  By Elise Cox

14 Steps to Launch Custom Credit, Debit, & Lending Products

Canopy has created a Fintech punch list to speed the launch of unique credit, debit, and lending products.

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An integrated circuit board illustrates completion of a Soc 2 Type 2 audit. Courtesy of Adi Goldstein and Unsplash.
Canopy HQ
 •  By Elise Cox

Canopy Completes SOC 2 Type 2 Certification

Canopy is proud to announce the successful completion of an independent SOC 2 Type 2 audit of the system controls we designed to ensure our service commitments around security, availability, processing integrity, confidentiality, and privacy.

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An image of the U.S. Capitol building illustrates a story about a hearing on regulating Buy Now Pay Later.
Industry Insights
Canopy HQ
 •  By Elise Cox

House Committee Considers Regulating Buy Now Pay Later

The House Financial Services Committee held a hearing last week to explore regulating Buy Now Pay Later, earned wage access, and overdraft protection services.

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A payment card in use illustrates a story on the Metro 2 format. Courtesy of Nathan Dumlao and Unsplash.
Industry Insights
 •  By Dennis Dang

Credit Report Accuracy and the Challenges of Metro 2

The goal of the Metro 2 format is to enable credit information that is accurate, complete, and timely. But proper implementation of Metro 2 has proven challenging for the financial services industry.

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The popularity of Klarna's pay in four interest-free loans was evident in an annual report by the California Department of Financial Protection and Innovation.
 •  By Elise Cox

14 New Statistics Highlight Changing Borrower Behavior

An annual report by the California Department of Financial Protection and Innovation released earlier this month revealed a remarkable shift in the behavior of California borrowers between 2019 and 2020.

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An image of a computer and a headset illustrates our article on servicing complaints. Photo courtesy of Petr Macháček and Unsplash.
Industry Insights
 •  By Elise Cox

A Servicing Health Check

As older servicing infrastructure reaches the end of its life, servicing complaints to the Consumer Financial Protection Bureau about servicing are growing.

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A graphic illustrates the partnership announcement from Canopy and Lithic.
Canopy HQ
 •  By Elise Cox

Canopy and Lithic Announce a Partnership

Canopy Servicing is thrilled to announce our partnership with Lithic, a complete virtual and physical card issuing platform built for developers.

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A chart showing payment method use by age range is based on data from the Federal Reserve Bank of Atlanta.
Industry Insights
 •  By Elise Cox

Are Millennials Changing Their Attitude Toward Credit?

According to the Federal Reserve Bank of Atlanta, use of debit cards in a typical month for cardholders between the ages of 25 and 34 is falling and the use of credit cards is rising.

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An illustration featuring branded images with the text "The Modern Servicing Infrastructure for Scaling Fintechs."
Canopy HQ
 •  By Matt Bivons

We Are an API-First, Modern Loan Management System

Canopy's modern loan management system makes it possible for Fintechs and brands to launch innovative financial products and service them with an immutable system of record.

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We believe in building technology that helps facilitate better life experiences. Financial products have largely been the same, lacking transparency and control. Canopy is built for developers to launch and service financial products in the most flexible way.

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