Research

The demographics of couples are changing, and quickly. Married couples may not share as much as they used to, and a growing number of households include partners who aren’t married. Innovative fintechs are building products that serve every type...

The banking industry’s traditional answer for Americans with limited or damaged credit histories is to educate customers generically, equip them with credit scores and do-it-yourself credit-building tools, and sell them a secured card with no fo...

Traditional identity fraud and identity fraud scams are equal-opportunity crimes, in that anyone with a digital footprint is a potential target. But as affluence rises, so does consumer concern about becoming a victim. Further, suspicious activi...

The current adoption of card controls by consumers is disappointing, but several indicators suggest that better positioning of these features by financial institutions would spur more use. Consumers care about security—it is the second heaviest ...

The kickoff of a new football season brings on an increased opportunity to gamble for Americans. As more states pass legislation in the wake of the deregulation of mobile gambling and, by association, mobile lotteries, new opportunities for play...

Technology represents connective tissue that will enable more efficient workflow across the private capital ecosystem. General partners and limited partners must work together to remove operational friction and transform the challenges for inves...

Peer-to-peer (P2P) payments are essential in a world where cash is less commonly carried, digital transactions are popular and convenient, and ease, privacy, and security drive consumer preference. However, despite their undeniable value and wel...

Automation plays a significant role in receivables management, saving businesses time and money by automating such tasks as invoice generation, payment tracking, and collection. It also improves accuracy and efficiency. However, implementing a s...

Blind spots hinder banks and credit unions from providing reliable financial advice in digital banking. Fintechs such as Argyle, Atomic, Flinks, and Pinwheel are jockeying to provide “real time” payroll data that FIs are using to improve account...

The launch of FedNow—the Federal Reserve Bank’s instant payment service—lets financial institutions offer their customers 24/7/365 access to transactions that are initiated and settled in seconds. This will spur the development of new payment me...