Research

U.S. consumers are more likely to save up for specific goals. Mercator Advisory Group survey finds 65% of U.S. consumers have funds to meet specific goals, nearly half are at their primary financial institution.

Now more than ever, card account numbers are tokenized to secure payment transactions. With some cards receiving multiple tokens, sorting out which token belongs to which account is getting more difficult, which is making loyalty programs and cu...

This report examines how Gen Z approaches technology and the generation’s impact on banking and retail commerce. It provides insight into Gen Z consumers’ expectations for how companies should seek to serve them and meet their needs.

Becoming a TSP is not a role many can execute successfully, but First Data Corporation may be one of the few that can pull it off.

Robust Asian mobile payment apps drive life-style commerce.

Electronic channels compete to serve customers as banks rationalize their branches

Conversational commerce has arrived. Chatbots and smart speaker systems are the new sales channels across merchant and other business categories. Market opportunities are many, but stakeholders must recognize technology and market challenges tha...

In late November 2017, Uber announced a previously undisclosed theft of data affecting roughly 57 million riders and drivers that had taken place roughly a year earlier. The ride-sharing startup said it had arranged $100,000 payment a year earli...

The Canadian prepaid market is in the early stages of its life cycle. Mercator Advisory Group releases the third benchmark for Canadian open-loop prepaid cards.

This report examines the interest, trust, and doubts FIs have in bug bounty programs (initiatives that incentive vulnerability disclosure) and, more generally, vulnerability disclosure.