Research

Alternative models of credit scoring: new options, new risksMercator Advisory Group’s new research report examines innovations in credit scoring and alternative lending.

This report examines the Gen Y credit card opportunity, focusing on how issuers can identify those in search of credit and how to incentivize them with rewards in order to adopt and use credit cards.

The CFPB’s final prepaid rule has increased operational complexities for prepaid cards. At the same time, its refusal to define prepaid products by account structure means that checkless checking providers will need to be careful with their mark...

U.S. merchants are striking back against card-not-present fraud in online transaction. New Mercator Advisory Group research finds U.S. online merchants partnering with tech developers to fight rising card-not-present fraud.

Use of healthcare accounts in the U.S. is booming as healthcare costs rise New Mercator Advisory Group research explores the growth of healthcare accounts as U.S. consumers seek to bridge the gap between expenses and what health insurance covers...

PayPerks Inc. uses sweepstakes-like tools to encourage prepaid card holders to complete financial education modules online or via mobile phone and to complete tasks like cardholder registration or opening savings accounts. Cardholders get the ch...

Blockchain hype has financial institutions scrambling to get involved. But Mercator Advisory Group’s list of the top 10 blockchain realities suggests that resources should be invested elsewhere.

Account aggregation has emerged as a key technology underpinning a wide variety of financial applications — from third-party account verification for financial institutions to services allowing consumers to view all of their accounts within the ...

Gift cards are competitive with discounts as a promotional strategy New research from Mercator Advisory Group forecasts growth for gift card loads in the 2016 holiday season.