In the early ages of the credit card industry, it was common for cardholders to pay a nominal annual fee as part of owning a credit card, similar to a membership fee. The annual fee was typically low...
Competition in the U.S. credit card market continues to accelerate as issuers vie to attract and retain valuable cardholders whose high-dollar, recurring spending can generate robust transaction and...
The person-to-person payment (commonly referred to as P2P) market has experienced dramatic change in the past few years, and 2017 has been no different. Further change is expected for the foreseeable...
Small business owners are turning rapidly toward digital banking channels, allowing banks to profitably serve a large, new subset of businesses. But that will depend on the development of appropriate...
Today’s consumers can conduct a variety of financial transactions, from easily moving money across accounts to purchasing practically any good or service, all from the convenience of their...
At a time when interconnected devices and software are becoming ubiquitous, FIs that choose to help extend their customer’s digital identities beyond the bank could stand to become the cornerstone of...
The new “normal,” or constant, in the retail point-of-sale (POS) environment is that change is now part of everyday life for the physical store retailers and the financial institutions that serve...
Free credit scores have become a trendy digital banking bauble. But banks and credit unions can go further by augmenting and integrating digital tools that can play a daily role in coaching customers...
As digital banking capabilities have expanded, consumer adoption of online and mobile channels has continued to climb. Surprisingly, consumer use of traditional banking channels — branch, ATM, call...

Digital Lending Fraud

14 November 2017 By: Al Pascual, Sean Sposito
The explosive adoption of the digital channel is changing the nature of lending. Consumers are coming to expect the kind of convenience and speed that a digital experience can deliver, and lenders...

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