With less than a month to go before the EMV liability shift takes place in the U.S., the payment industry is still far from ready for the transition, both in terms of the mechanics of the card and...
EVERYTHING NOW:  CONSUMER DEMANDS FOR IMMEDIACY One of the most apparent consumer trends today is the shift in expectations around immediacy. As content such as movies, music, and games...
The rapid adoption of new technologies that allow us to stay more socially connected, while being able to manage our financial decisions on the go, continues to fuel the growth and evolution of the...
Fraud remains a serious danger in the U.S., but transactions wrongly declined due to suspected fraud — known as a “false positive” — may represent just as big a threat. Javelin estimates that 15% of...
Providing a valued product and positive customer experience are not the only considerations for merchants looking after their bottom line. While merchants may not have gone into business to become...
Merchants face a serious challenge in today’s marketplace as they try to balance the need for strong antifraud measures with consumers’ desire for fast, easy, and digital purchases. Quite often,...
Bankers who foresee a day when consumers will routinely seek to open checking, loan, and investment accounts in digital channels should rethink their timing. That day is already here, and this...
As the U.S. economy has begun to pull itself from the Great Recession, consumers are spending more freely, and businesses are enjoying long‐overdue revenue growth. Within our business community...
Small merchants and retailers have a massive role in a healthy U.S. economy. According to the Small Business Administration, small businesses were responsible for 46% of the private nonfarm GDP1 in...
Even as concern about privacy, fraud, and data breaches is saturating America, consumers continue to be reluctant to adopt strong security behaviors. While several factors are often cited for this...

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