Research

Fintech firms nimbly moving into rather massive global trade financing marketMercator Advisory Group reports that supply chain finance is more accessible than ever and expanding through broadened fintech solution models.

Lower return on assets means a softening in revenue, profitability and shareholder return. The Federal Reserve Board’s annual Report to Congress on Credit Card Profitability of Depository Institutions, June 2017, indicates the lowest return on a...

AI’s impact on banking will be broader and faster than the impact of the internet.New research from Mercator Advisory Group shows how machine learning, a.k.a. AI, has changed consumer behavior and expectations and will evolve to alter all aspect...

Perhaps not yet “At a theater near you!” but in limited distribution with lots of “Coming soon!” ads

This report examines the business model of card issuers, specifically the difference between the prime/super-prime and subprime businesses, and how they are coming under an increasing level of pressure. It also reviews why secured and other star...

Adoption of banking as a platform frees financial institutions to individualize banking service delivery in concert with fintechs. New Mercator Advisory Group research delves into the configuration change FIs will implement to better navigate a...

Cardholders are saving to spend, which can help prepaid card providers. Savings accounts attached to prepaid cards make the cards more similar to traditional bank accounts than previously.

New checking and debit card account openings often begin in a digital channel but typically don’t conclude there.

Americans paid about $4.1 trillion in 2016 to settle 13 common bills that form the foundation of day-to-day living and a typical borrowing relationship — and digital payments accounted for 73% of the dollar volume. The continuing decline in mail...

As small business owners become accustomed to more personalized and contextual digital experiences — whether from their consumer bank or from outside the financial industry — demand for more streamlined digital and omnichannel capabilities will ...