Research

Premium credit cards have evolved from gold to platinum to black as a means of maintaining elite card relevance and appeal to high-net-worth account holders. Premium debit cards, in contrast, haven't found a similar market, at least in the Unite...

The CFPB has asked the industry to define GPR, creating an inflection point for the industry as all regulations run the risk of unintended consequences and once the government creates a definition it rarely looks back. The problem is that prepai...

Third-Party Walk-In-Bill Payments in the United States

New research examines how the contact center can be deployed as a strategic asset.

One of the less earth-shattering elements of the Dodd-Frank legislation was the repeal of the last remnants of Regulation Q, which had existed in one form or another since the 1930s. Does it matter anymore? To date, apparently not to most banker...

As customers become accustomed to banking via new and sometimes different methods, many prefer certain channels for specific purposes. Mercator Advisory Group CustomerMonitor surveys are finding that younger, more affluent customers prefer the c...

High-level industry data continue to show two faces of the U.S. credit card industry: growing spending but lower lending. Meanwhile, the underlying account base has yet to arise from its postrecession lows. Consumers (as opposed to commercial ca...

Corporations in the U.S. are steadily shifting the way they make business-to-business payments, reducing check usage and choosing from multiple electronic methods. Payment method migration will trigger changes in check-related bank revenue strea...

The proposed settlement of the long-festering case In Re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation holds the potential to help participants get back to business. But in setting new rules, it puts unpredictable marke...

New research examines the current state of the global ATM market