Research

2026 may prove to be an inflection point year for virtual cards as better data, embedded workflows, flexible pricing, and agentic orchestration improve execution, while macroeconomic pressure sharpens the working-capital case. The opportunity is...

OpenAI’s announcement that ChatGPT Pro users can now connect their accounts to the service to bolster financial conversations lands squarely in an area of susceptibility for most banks and credit unions. Large language models like ChatGPT are de...

Stripe is quickly turning stablecoins from a concept to a competitive advantage and bringing them to real-world payments. By targeting high-friction areas such as cross-border payouts and gig economy payments, stablecoins are showing real benefi...

Data is the most important tool for financial institutions to make strategic decisions and forecast the future. By organizing payment and customer data across systems, banks can create a more complete view of customer behavior. Data strategy at ...

Prepaid cards are quietly emerging as a powerful tool in commercial payments, extending far beyond their traditional role. As businesses seek tighter spending controls, reduced fraud exposure, and greater flexibility, these solutions are gaining...

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, shifting revenue dynamics, and evolving issuer strategies—from AI-dr...

Payments are no longer just a terminal on the counter; they’re becoming invisible in the software that drives every workflow. As merchants, consumers, and suppliers adopt embedded payments and automated billing, commerce gets faster, safer throu...

Getting a small business card establishes an enterprise owner as a serious business. It is more than simply a coming of age; it gives the small business footing and establishes credit. It keeps the records separate from the consumer’s private li...

The U.S. identity theft protection services (IDPS) market is forecast to hit $18 billion by the end of 2027, as consumer investment in identity theft protection continues to grow. Javelin’s 2026 Identity Theft Protection Services Market Report h...

In theory, the consumer benefits of aggregating bank accounts are numerous, starting with one-stop, 360-degree oversight. And yet a remarkable number of consumers say they actually prefer to monitor their financial accounts one at a time, one ap...