2017 Account Safety in Banking Scorecard

2017 Account Safety in Banking Scorecard

Javelin’s 2017 Account Safety in Banking Scorecard analyzes the customer-facing security measures of 28 of the largest depository financial institutions in the US. Scorecard performance highlights many areas where financial institutions must foc...
Complex Business Relationships Drive the Commercial Cards Industry

Complex Business Relationships Drive the Commercial Cards Industry

Partnership activity across commercial cards is accelerating.Mercator Advisory Group reports that the commercial cards industry is driven by multiple underlying service relationships and this reach is broadening through payables and technology.
Operational Excellence: The Best Debit Marketing Strategy

Operational Excellence: The Best Debit Marketing Strategy

  • Javelin Report
  • Date: September 7, 2017
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Improving dispute handling for debit cardholders and minimizing false positives can increase customer retention and usage of debit cards.Mercator Advisory Group releases new research on operational tactics for issuers to make debit cards more va...
C-Stores a Rising Force in Merchant Loyalty

C-Stores a Rising Force in Merchant Loyalty

  • Impact Note
  • Date: August 31, 2017
  • Author(s): Raymond Pucci
  • Research Topic(s): Credit, Debit, Merchant
National and regional C-stores are prime venues for merchant loyalty and have inherent advantages most retailers can’t match.
Supply Chain Finance: Fintech Vendor Overview

Supply Chain Finance: Fintech Vendor Overview

Fintech firms nimbly moving into rather massive global trade financing marketMercator Advisory Group reports that supply chain finance is more accessible than ever and expanding through broadened fintech solution models.
In Search of a Profit: As Return on Credit Card Assets Continues to Slip, Issuers Must Position for 2018

In Search of a Profit: As Return on Credit Card Assets Continues to Slip, Issuers Must Position for 2018

Lower return on assets means a softening in revenue, profitability and shareholder return. The Federal Reserve Board’s annual Report to Congress on Credit Card Profitability of Depository Institutions, June 2017, indicates the lowest return on a...
Bringing AI into the Enterprise: A Machine Learning Primer

Bringing AI into the Enterprise: A Machine Learning Primer

  • Javelin Report
  • Date: August 21, 2017
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging, Global
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

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

Credit Card Lending Help Wanted: Seeking New Business Models

  • Javelin Report
  • Date: August 18, 2017
  • Author(s): Michael Moeser
  • Research Topic(s): Tech & Infrastructure
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

Banking as a Platform: API Technology Presents Opportunity to Financial Institutions

  • Javelin Report
  • Date: August 15, 2017
  • Author(s): Joseph Walent
  • Research Topic(s): Merchant
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...