Research

The Credit Card Data Book is a two-part annual publication that covers the internal and external factors affecting the U.S. credit card market. The first part focuses on environmental factors such as macroeconomic indicators and consumer prefere...

The U.S. credit market continued its path toward stabilization in 2022 but faced several hurdles, including rising interest rates, strained household budgets, and a highly competitive market environment. As a result, we expect conditions in 2023...

Too-little-too-late early payday solutions and short-term, small-dollar loans, motivated by pressure around overdraft fees or charges for non-sufficient funds (NSFs), are outpacing emergency savings programs. Javelin Strategy & Research has foun...

Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...

Direct indexing offers a compelling framework for the investor interested in capital preservation, particularly when it is executed through a smart-beta lens. Smart-beta direct indexing provides a best-of-both-worlds approach that boosts investi...

This impact note reviews the developments and trending movement of fintech as it relates to the corporate transaction banking space, which in effect is regarded as business-to-business (B2B) and business-to-government (B2G) use cases with all th...

Gen Z, defined as those born in 1997 or after, must be a top priority for all merchants and their service providers. Merchants need to build relationships with Gen Zers now in order to rack up sales and have relationships with young consumers th...

This report covers Mercator Advisory Group research and expectations in the commercial prepaid market. Highlights include trends for both open-loop and closed-loop products.

As a bipartisan group of legislators tries to put TikTok out of business in the United States over its China-based ownership and sketchy history of leveraging user data, U.S.-based financial institutions must be on guard as geopolitical tensions...

Prepaid mobile subscriptions provide simple and low-commitment options to connect to connected systems easily. With expanding technology, prepaid mobile will connect people through smartphones and serve as their primary connection to high-speed ...