The May 2025 Retail Banking & Payments Fintech Spotlight for Q2 highlights four innovative fintechs. Debbie rewards consumers for positive financial behaviors, helping banks grow deposits and identify creditworthy borrowers. Flow Networks enhances cardholder engagement by turning transactions into personalized moments. TrackStar AI uses predictive analytics to detect credit report errors, enabling lenders to reduce risk and expand approvals. Vikar streamlines account opening and loan origination for credit unions and regional banks through a unified digital interface that fosters collaboration and operational efficiency.

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