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Bringing AI into the Enterprise: A Machine Learning Primer
AI’s impact on banking will be broader and faster than the impact of the internet.New research from Mercator Advisory Group shows how machine learning, a.k.a. AI, has changed consumer behavior and expectations and will evolve to alter all aspect...
U.S. Faster Payments Is Sorta Kinda Here
Perhaps not yet “At a theater near you!” but in limited distribution with lots of “Coming soon!” ads
Credit Card Lending Help Wanted: Seeking New Business Models
This report examines the business model of card issuers, specifically the difference between the prime/super-prime and subprime businesses, and how they are coming under an increasing level of pressure. It also reviews why secured and other star...
Banking as a Platform: API Technology Presents Opportunity to Financial Institutions
Adoption of banking as a platform frees financial institutions to individualize banking service delivery in concert with fintechs. New Mercator Advisory Group research delves into the configuration change FIs will implement to better navigate a...
Prepaid Cards: Addressing the Needs of Goal-Oriented Savers
Cardholders are saving to spend, which can help prepaid card providers. Savings accounts attached to prepaid cards make the cards more similar to traditional bank accounts than previously.
Acquiring DDAs and Debit Digitally
New checking and debit card account openings often begin in a digital channel but typically don’t conclude there.
Digital Bill Pay in the United States: Mobility, P2P, and On-the-Go Demands Put Industry at a Crossroads
Americans paid about $4.1 trillion in 2016 to settle 13 common bills that form the foundation of day-to-day living and a typical borrowing relationship — and digital payments accounted for 73% of the dollar volume. The continuing decline in mail...
Digital Account Opening in Small Business Banking
As small business owners become accustomed to more personalized and contextual digital experiences — whether from their consumer bank or from outside the financial industry — demand for more streamlined digital and omnichannel capabilities will ...
Banking Bots: Necessity or Nice to Have?
More than 40% of digital bankers still visit a branch or reach out to their bank’s call center each month seeking help with questions or problems. Banks are increasingly turning to artificial intelligence and chat bots to meet this demand for re...
The On-Demand Economy: Mobile Apps That Deliver Convenience Boost Payments Volume
On-demand economy spurs customer engagement and mobile payment growth. New research from Mercator Advisory Group assesses four popular segments of the U.S. On-Demand Economy.
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