Research

The Biden administration has announced an effort to rid consumers of so-called “junk fees,” and in the context of credit cards, attention is focused on late fees assessed on delinquent accounts. But such fees are not “junk.” They are transparent...

While new payment modes such as mobile payments and digital commerce have certainly been adopted, and that adoption continues to grow, this year’s Buyer PaymentsInsights survey shows how consumer payment behaviors have remained relatively consis...

While new payment modes such as mobile payments and digital commerce have certainly been adopted, and that adoption continues to grow, this year’s Buyer PaymentsInsights survey shows how consumer payment behaviors have remained relatively consis...

India has global ambitions for the Unified Payments Interface (UPI), its wildly popular and admired instant payments system. The way it has positioned the system—and similar moves elsewhere, such as Brazil (with Pix)—serves as a model for countr...

The impact of fraud and cybersecurity on the client relationship means these challenges can no longer be considered through the lens of operational cost or as part of a box-checking exercise. Rather, they have assumed mission-critical importance...

Although banks provide a wealth of financial education on loans on their public websites, they integrate little of the content, calculators, and other features in digital banking for easy access once customers log in. This effectively treats cus...

We are four years clear of three megadeals in the merchant acquiring space—Fiserv’s addition of First Data, FIS’s acquisition of Worldpay, and the Global Payments-TSYS partnership—and now is the time to assess how the acquiring landscape has cha...

California legislators just passed the DELETE Act. Now it awaits the governor’s signature. Once enacted, the act will strengthen consumer privacy provisions outlined in the California Consumer Privacy Act, which took effect Jan. 1, 2020, making ...

Small-business owners, by and large, know the importance of cash-flow forecasting. But there’s a surprising disconnect between their perception of its value and the actual practice of accurately and efficiently forecasting their cash position. M...

With the recent launch of FedNow, as well as the continued presence of The Clearing House’s RTP network, instant payments are poised to transform money movement in the United States. This will require careful consideration and planning by financ...