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Five Ways Assertive Regulators Will Shape the Future of Payments

The past few years have seen an increased role for U.S. regulators across financial services, with crackdowns against banking partnerships, crypto coin minters, credit card issuers, card network pricing, and a wide variety of lenders ranging fro...

Generative AI and the New Next Best Action

Financial advisors’ next best action (NBA) for clients is at the center of generative AI and predictive AI applications for wealth managers. New client analytics and automated generation of prompts is positioned to transform how advice is optimi...

High-Yield Savings Accounts: An Efficient Way to Fund Credit Card Loans

  • Javelin Report
  • Date: March 27, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Credit card lending requires funding, and banks with credit card programs find themselves at an interesting point: The prime rate is at its highest level in decades, and in anticipation of decreasing rates in late 2024 and 2025, banks might want...

Identity as a Digital Asset: Tokenizing the Self

Decentralized technologies, including blockchain, provide a secure foundation for building identity solutions that are not only secure but also provide users with the ability to control access to their personal information. Additionally, these i...

Mitigating Risk in Prepaid Card Programs

Risk mitigation is crucial in gift card programs to provide positive customer experiences, protect against fraud and financial losses, and to secure organizational systems. Implementing measures such as employee training, usage tracking, and fra...

Pig Butchering Scams: How Banks Can Stop the Slaughter

Pig butchering is a devastating, multilayered, drawn-out investment scam that leaves victims with nothing. By implementing robust customer education, employing effective fraud detection, and training observant call center representatives, FIs ca...

Surveying the Payments Consultants: The Services Overview

The next wave of payment modernization is rolling in. Technology has emerged to power more advanced payment solutions, including real-time payments rails and open banking. It follows previous iterations of technological transformations that laid...

Privacy and KYC Requirements: Navigating the Labyrinth

Data privacy and security are hot-button issues for consumers and regulators. FIs must balance consumer privacy with the need to collect information for regulatory compliance. Further, fraud and money laundering mitigation requires a delicate ba...

A New Era of Chargeback Management

The chargeback—a forced refund to a cardholder’s account that is initiated by the issuing bank—turns 50 years old later this year. The maneuver, legislated into existence to foster trust in card payments at a time when few consumers were using t...

Get Out Your Wallet: Gen Z Debit Payment Preferences 

Generation Z—those born from 1997 to 2012—is coming of age and moving steadily toward greater financial maturity. Members of this generation differ from their elders in significant ways, including a strong preference for debit and digital paymen...
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