Research

As APIs become a larger part of banking infrastructure and product distribution, understanding how they are used is a business priority, not just a technology concern. The right metrics can reveal which services are gaining traction, where devel...

A decade after the latest crop of neobanks took root, traditional financial institutions find themselves in an interesting position. The direct competitive threat from these challengers hasn’t fully coalesced, but what neobanks do well cannot be...

Merchants increasingly expect financial services and business technology to work together, pushing banks and other financial services providers deeper into the software market and into direct competition with software companies that have added p...

Gift cards and commercial incentives are driving closed-loop prepaid growth, while government programs and campus cards face mounting constraints. Through 2030, opportunities will vary sharply across retail, digital gaming, transit, petroleum, a...

AI can detect manipulative communications, recognize unusual financial behavior, and uncover relationships with suspicious recipient accounts. Open-source cyber frameworks lay the groundwork for how FIs can strengthen the development and evaluat...

Nearly a third of consumers have asked a chat-based AI tool about their personal finances in the past 30 days. This indicates that a seismic shift in where consumers turn for financial guidance is already underway. Financial institutions still h...

Much of the attention surrounding elder fraud concentrates on scams, but identity fraud and trusted-person financial exploitation also pose serious risks to older adults. These different forms of fraud can overlap, making prevention, detection, ...

Residual income is central to the independent sales organization (ISO) business. Over time, a portfolio can generate significant recurring compensation and become a tangible asset for the agent. When residual payments stop, what recourse do agen...

Agentic commerce is entering a new phase as personal assistants begin shopping and transacting through today’s web while the infrastructure for protocol-driven commerce continues to develop. For merchants, financial institutions, and payment pro...

A steady credit environment could make 2027 a year of opportunity rather than disruption for card issuers. Stable delinquencies and manageable charge-offs provide a solid foundation, but persistent inflation, unemployment, consumer financial str...