Research

Infostealers are changing the rules of payments card risk. Replacing a compromised card may be an immediate fix, but it does not cut off access to compromised merchant accounts and digital wallets. As cybercriminals increasingly exploit previous...

Small businesses are developing more sophisticated financial needs earlier in their growth, but traditional banking models still force them into a choice between small business and commercial platforms. Banks and credit unions have an emerging o...

AI is spreading through banks faster than any technology on record, bringing new opportunities alongside rising costs and operational complexity. As pricing models evolve and AI usage expands across all business units, financial institutions nee...

As consumers begin using AI agents, banks and merchants can no longer treat automated activity as suspicious by default. Fraud teams will need to distinguish legitimate agents from malicious bots while also determining whether an agent is acting...

To respond to a broader variety of customer needs in real time, most big banks have introduced a chatbot. In the past five years, chatbot availability in mobile banking from the 20 largest banks has more than doubled. The appeal of chatbots, fro...

By leveraging a traditional bank strength—building deep relationships with their customers—FIs can turn loan management into a series of touchpoints and interactions that not only boost engagement with a customer’s current loan but also set the ...

Gift cards remain consumers’ favorite present, and a wave of new laws is regulating the fraud, theft, and forgery of prepaid products. States are increasingly targeting criminals instead of card programs, while emerging rules around sports betti...

Cash may no longer be the center of consumer payments, but it is far from irrelevant. As digital payments gain share, consumers still depend on cash for access, certainty, budgeting, and immediate settlement—and ATMs remain the critical infrastr...

As businesses mature, they become more satisfied with their card acceptance providers, adopt increasingly sophisticated pricing models, and experience more frequent pricing changes. This report shows the importance of aligning pricing strategies...

Credit cards are measured very differently depending on who is doing the measuring. A cardholder may focus on fees and rewards, while portfolio managers, investors, risk executives, and regulators each rely on differing sets of metrics to evalua...