Research

Criminals have doubled down on scams and are reaping massive profits. As consumers deal with the blows of losing money to criminals, they often look toward their primary financial institutions for restitution, which often comes with a tremendous...

At the mid-year point of 2021, credit card profits are steady, despite decreases in revolving debt, thanks to recovered loan loss reserves held back from the risk associated with COVID-19. With record-low delinquency rates, and spending on the r...

Mercator Advisory Group’s latest 2021 North American PaymentsInsights report provides an overview of key trends in subscriptions, bill pay, and fraud, as they relate to the payments ecosystem.

The big breakthrough in bill pay will come when banks give their customers oversight and control of bills paid through bill pay and directly at biller sites. Choosing a method for paying bills isn’t an either/or proposition for consumers—it’s a ...

Network cards less affected by BNPL than private label cards, according to new report by Mercator Advisory Group.

Square’s move to acquire Afterpay for $29 billion dramatically alters the futures of the two companies as well as the BNPL industry and its competitors. Square is gaining a payment option that bolsters its seller and Cash App businesses, while A...

New report from Mercator Advisory Group evaluates the worldwide expansion of open banking initiatives, reviewing approaches taken by each country including the API standards they embrace. Some countries have focused on payments, others on data e...

Digital mortgage point of sale technology offers borrowers a comprehensive self-service experience when applying for a loan. Whether developed internally or sourced from one of more than a dozen specialty vendors, these platforms can be deployed...

The COVID-19 pandemic radically changed the way that people shopped and paid for purchases. Under these new circumstances, the U.S. prepaid market experienced significant innovation and developed new use cases for its products. As vaccines have ...

The problem isn’t spending – it's savings. Javelin data shows consumers are comfortable with day-to-day finances but struggle to save. FIs have a major opportunity to integrate savings into their digital banking value proposition and grow their ...