Overview
Predictions and industry issues to watch
In 2014, credit card issuers and networks improved on the strong performance delivered in 2013, with key metrics slightly exceeding expectations. The legacy credit-issuing ecosystem has so far avoided significant disruption from new entrants and is well positioned for the next wave of transformation in digital commerce.
Book a Meeting with the Author
Related content
Rewiring the Credit Card Value Proposition: From Best Card to Best Relationship
High credit card interest rates are reshaping the economics of the industry, putting pressure on consumers while increasing risks of delinquencies and losses. Widening spreads, shi...
Klarna Gets Its Wrist Slapped Again: BNPL Brings Volume, but Not Credit Quality or Profits
Klarna’s buy-now, pay-later model is colliding with global regulation. A Netherlands court has invalidated consumer debts, ruling BNPL creates credit obligations—despite zero inter...
Co-Branded Credit Cards Smoke, Private Labels Choke
Co‑branded credit cards thrive when financial institutions and consumer brands join to create value neither could deliver alone. When designed well, these partnerships fuel custome...
Make informed decisions in a digital financial world