Research

Commercial payments are approaching a major shift as agentic AI, payment orchestration, and virtual cards begin to converge. AI agents will help enterprises decide when and how to pay, while orchestration will determine how those decisions move ...

The U.S. credit card market continues to deliver strong growth and profitability, but the strategies that drive success are evolving. Agentic AI is reshaping acquisition, underwriting, and risk management, while rewards are expanding beyond trad...

Intelligence will be key to cybersecurity trends in 2027. Attackers exploit trusted connections and exposed data across digital ecosystems, while defenders must anticipate how cyber risks compound. Supply-chain compromises can create indirect pa...

Debit is no longer just a payments card. Digital wallets, instant payments, buy-now, pay-later options, and new rewards models are changing where consumers transact and how they expect money to move. As fintechs, payment networks, and loyalty pr...

As digital assets mature, financial institutions are shifting their focus from experimentation to utility. Tokenized collateral is emerging as a compelling use case for improving liquidity and balance sheet efficiency, while stablecoins and toke...

Financial institutions enter 2027 confronted with a daunting competitive reality: Consumers increasingly turn to AI platforms for financial guidance before consulting their banks. While banks retain powerful advantages in customer trust, transac...

Digital lending is entering a new competitive era, and success will hinge less on who offers credit and more on who owns the customer relationship when (and before) borrowing intent comes clear. For years, financial institutions directed the fin...

The next stage of payments will be shaped by automation, identity, and intelligence as much as by the movement of money itself. New capabilities are emerging that may alter customer interactions, redefine trust frameworks, and enable entirely ne...

This report focuses on three major trends in 2027 with far-reaching ramifications: shifting scam liability, emerging liability frameworks for agentic commerce, and the governance of agentic fraud tools. These trends highlight the importance of i...

Payments are becoming less visible to consumers but more strategic for institutions and providers. As checkout fades into the background, payment-page design has given way to the infrastructure that enables seamless, trusted transactions. Acquir...