Research

This report evaluates consumer needs for disputing transactions and the challenges faced, and offers guidance on how financial services—both issuing and merchant—can improve the dispute experience to retain customers.

Approximately one year after the Federal Reserve Board of Governors (the Fed) announced its intent to become a real time payments operator, updates have been announced that give shape to what can be expected from FedNow Instant Payments.

This report will evaluate new sources of this data, the consumer privacy and security concerns involved in their use, and examine the most efficient strategies for incorporating these data sources into consumer lending origination processes.

In the midst of COVID-19, corporate banks must still deal with regulations as a fact of life.

The digital mortgage revolution is rapidly producing more sophisticated tools and capabilities that now reach every sector of mortgage finance — the pace of which has accelerated due in large part to the COVID-19 pandemic. This note provides an ...

​America’s small businesses have undergone a period of profound adaptation during the COVID-19 shutdown. If banks take the right steps coming out of the pandemic, these rapid shifts will transform how businesses interact with their bank...

This report helps focus on how consumer groups can be evaluated to diversify ways to pay and expand the market share of the financial institution through accessibility.  

Data breaches have evolved into a variety of threats that go far beyond payment card information and login credentials. Consumers are quickly adopting digital behaviors that encompass an array of merchants, mobile device apps, and financial serv...

U.S. Small businesses are seeing card usage increase as the payments market shifts. Mercator Advisory Group new survey research finds a greater share of small businesses’ sales are coming from cards as the pandemic causes changes to how people ...

The Debit Card Abruptly Finds Itself at the Top of the Wallet Mercator Advisory Group’s latest report suggests strategies debit card issuers may consider to retain this preferred card status with their cardholders.