Research

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...

Approximately half of Generation Z—those born since 1997—has graduated into adulthood, and that carries strong implications for financial institutions. Gen Zers are moving beyond foundational checking accounts into more complicated financial liv...

Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, where charge-offs threaten bank profits and create marginal returns ...

Innovative psychological and behavioral techniques are revolutionizing the way digital investor risk assessment is conducted, evolving it from a mere checkbox routine into an empowering process that encompasses strategic financial planning and e...