Research

The seventh annual review of the U.S. debit card market consolidates data and analyzes recent trends shaping the use of these cards. In addition, a near-term forecast for debit volume is provided so issuers, processors, merchants, and other rela...

The Prepaid Card Data Book ties together the most important metrics for the industry. Mercator Advisory Group’s assessment of the prepaid card market covers market estimates for the broad market and focuses on the major vertical markets. Consume...

The Credit Card Data Book is a two-part annual publication that covers the internal and external factors affecting the U.S. credit card market. The first part focuses on environmental factors such as macroeconomic indicators and consumer prefere...

The U.S. credit market continued its path toward stabilization in 2022 but faced several hurdles, including rising interest rates, strained household budgets, and a highly competitive market environment. As a result, we expect conditions in 2023...

Too-little-too-late early payday solutions and short-term, small-dollar loans, motivated by pressure around overdraft fees or charges for non-sufficient funds (NSFs), are outpacing emergency savings programs. Javelin Strategy & Research has foun...

Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...

Direct indexing offers a compelling framework for the investor interested in capital preservation, particularly when it is executed through a smart-beta lens. Smart-beta direct indexing provides a best-of-both-worlds approach that boosts investi...

This impact note reviews the developments and trending movement of fintech as it relates to the corporate transaction banking space, which in effect is regarded as business-to-business (B2B) and business-to-government (B2G) use cases with all th...

Gen Z, defined as those born in 1997 or after, must be a top priority for all merchants and their service providers. Merchants need to build relationships with Gen Zers now in order to rack up sales and have relationships with young consumers th...

This report covers Mercator Advisory Group research and expectations in the commercial prepaid market. Highlights include trends for both open-loop and closed-loop products.