Research

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...

Loyalty programs are a staple of companies’ attempts to connect with their customers, but only about half of them receive consumer engagement. A rising movement toward the use of non-fungible tokens—NFTs—as exclusive offerings and as a new payme...

The demographics of couples are changing, and quickly. Married couples may not share as much as they used to, and a growing number of households include partners who aren’t married. Innovative fintechs are building products that serve every type...

The banking industry’s traditional answer for Americans with limited or damaged credit histories is to educate customers generically, equip them with credit scores and do-it-yourself credit-building tools, and sell them a secured card with no fo...

Traditional identity fraud and identity fraud scams are equal-opportunity crimes, in that anyone with a digital footprint is a potential target. But as affluence rises, so does consumer concern about becoming a victim. Further, suspicious activi...

The current adoption of card controls by consumers is disappointing, but several indicators suggest that better positioning of these features by financial institutions would spur more use. Consumers care about security—it is the second heaviest ...

The kickoff of a new football season brings on an increased opportunity to gamble for Americans. As more states pass legislation in the wake of the deregulation of mobile gambling and, by association, mobile lotteries, new opportunities for play...