Research

Mercator Advisory Group provides an early view into the success metrics that will drive commercial and enterprise payments as we move into 2022 and beyond.

Results in 2021 were stronger than expected for the U.S. credit card industry. Revolving debt rebounded, delinquencies and losses stayed at record low levels, and new accounts grew by 40 million as both consumers and issuers gained confidence in...

Debit cards retain their “King of Payments” title for another year, but the decline in savings rates and fewer government benefit disbursements signal slower payment growth for debit cards for the remainder of 2021 and 2022. The market for ‘pay ...

Payments, and the payments landscape, are changing fast. Financial institutions, issuing processors, the global card networks, acquirers, acquiring processors, and merchants are all upgrading their infrastructure. It is no longer possible to ign...

Mercator looks back to 2020 and ahead to 2022 to provide our perspective on the merchant services and transaction processing ecosystems. Our forecast for this year was very accurate, COVID-19 notwithstanding, and we are confident that our roadma...

In this viewpoint, Mercator examines the prepaid card market, revisiting the forecasts we made last year, identifying current trends, and offering predictions for the future. On the whole, the market is one of the fastest growing segments of the...

After spending the pandemic years shoring up processes and capabilities to keep business moving, lenders can now pivot toward greater efficiency and borrower insight and allow for finding a place among the many upstarts in the marketplace. Nimbl...

Fraud detection has made rapid improvements in a short period. In the year ahead, look for the charge toward global identity trust to make big advancements even as society deals with problems that seem more reflective of modern times, such as su...

The COVID-19 pandemic brought sweeping changes to the ways consumers make payments. If anything, 2022 could see even more dramatic shifts in payment trends, particularly in terms of regulation, how card networks position themselves technological...

The rise of direct indexing goes far beyond a trend. Rather, it is the crucible in which the wealth management industry is being reshaped. It allows the formation of a basket of stocks into something reflective of client preferences, whether tho...