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Self-Use Drives Prepaid Products

The term “gift card” carries a natural connotation of prepaid products that are purchased for the use of others. But this connotation clashes with the reality that self-use—that is, the purchase of a prepaid product for use by the buyer—is a sig...

Commercial Cross Border: This is Getting Good

Commercial cross-border transactions are a big business, and they’re only getting bigger, projected to expand at nearly an 11% compound annual growth rate through 2030. Such transactions also tend to be costly and risky, tied to a correspondent ...

Are Consumers ‘Buying’ Biometric Authentication?

Biometric authentication has substantial benefits that accrue to the quality of transactions, including reduced fraud involving payments made online. The technology that enables such authentication is mature, and widespread use of it in payments...

Password Fatigue: A Case for Multilayered Passwordless Authentication

Traditional password-centered authentication is becoming less secure as cyberattacks increase in sophistication and consumers grow tired of strong password requirements. Financial institutions and other businesses need to move consumers toward m...

Disbanded Co-Brands: When Credit Card Joint Ventures Fail

The robust credit card co-brand market represents more than 300 million U.S. cards. However, the relationship requires partnership and cooperation between all parties, and successful examples of this harmony have flourished. However, friction be...

T+1: Balancing Efficiency, Risk, and Global Coordination

As the United States implements a T+1 settlement cycle in securities transactions, the country is poised to achieve a significant milestone. Successful preparation for the cycle, which took effect on May 28, has engendered industry-wide collabor...

The Promise of Digital IDs: Reduced Fraud and Efficient ID Proofing

The move toward digital forms of ID is accelerating around the United States, and a greater use of such identification methods promises to reduce fraud losses and increase security. However, digital ID is not a cure-all for cybercrimes, nor will...

How to Help Car Buyers Break the Cycle of Debt

Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...

Credit Card Issuance by Small Issuers: Strategies, Risks, and Options

Community banks, credit unions, and banks of all sizes face an imperative of having a presence in payment cards. With almost 600 million credit cards in the United States and 230 million adults using them, these cards are the standard access veh...

Sunsetting Secure Messaging? Get These 5 Things Right First

Secure messaging is at a pivotal point as banks and credit unions make the switch to chatbots and live chat. Because customers are accustomed to secure messaging but expect instantaneous service, financial institutions must strategically balance...
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