Research

As banks decide to monetize data and deploy AI, a new kind of employee is becoming critical to turning technology into revenue. Product owners who blend finance, technology, and strategy are reshaping decision-making at financial institutions. T...

Scam advertisements on social media platforms are increasingly industrialized, prompting international law enforcement operations from the newly created U.S. Scam Center Strike Force, in close collaboration with the private sector. However, the ...

The CFO’s role has expanded through two decades of shocks, technology shifts, shareholder pressure, and changing capital conditions. This report examines how each era reshaped what finance leaders had to prove and how treasury services and comme...

Debit networks are being reshaped by regulation, shifting transaction mix toward e-commerce and digital wallets, and increased competition extending into card-not-present environments. Looking ahead, potential interchange cap changes and merchan...

Personal loans are not viewed by borrowers as generic lines of credit but rather as ways to meaningfully advance their lives. Banks have an opportunity to position themselves as approachable lenders by presenting unsecured personal loans in cont...

This report examines generational differences in payment card usage and payment attitudes. While traditional credit and debit cards remain widely used, younger consumers are driving adoption of digital payment options and place greater importanc...

From constitutional preemption to modern AI, the forces shaping credit cards are more complex and consequential than ever. Federal dominance, limited state influence, and evolving consumer protections create a tightly controlled system where inn...

Certificates of deposit aren’t obsolete; they’re underleveraged. Although a quarter of banked consumers hold CDs, most banks treat them as static products with minimal digital support. That gap represents a major opportunity for digital banking ...

Payments are no longer just a cost center for merchants; they’re a strategic lever for growth. As responsibilities fragment across finance, IT, and operations, hidden costs and missed revenue opportunities multiply. This report reveals why tradi...

This report highlights how small businesses choose payment processors, value-added services, and point-of-sale platforms. The findings point to a clear market direction: Integrated, cloud-based, and omnichannel payment ecosystems are gaining an ...