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How Banks Can Help Make Taxes Less Taxing

Tax chores never seem to get any easier. Thanks to new digital banking tools, banks and credit unions have compelling opportunities to create engaging, year-round tax experiences that coach, guide, and advise customers while also building deeper...

Branch/ATM Locators: Building Satisfying Digital-to-Physical Pathways

Even as the role of the bank branch changes—moving away from basic transactional functions to more complex financial matters—customers’ ability to find the branch they need and the information they’re seeking has never been more important. Banks...

Direct Indexing: Strategy for Asset Managers

The rise of direct indexing has energized manufacturing and distribution. Increasingly, however, the industry center of gravity has tipped from the asset manager (or manufacturer) to the wealth manager and the technology platform providers. Thes...

2023 Annual U.S. Debit Card Market Data Review

The seventh annual review of the U.S. debit card market consolidates data and analyzes recent trends shaping the use of these cards. In addition, a near-term forecast for debit volume is provided so issuers, processors, merchants, and other rela...

2023 Prepaid Card Data Book: 11 Essential Metrics

The Prepaid Card Data Book ties together the most important metrics for the industry. Mercator Advisory Group’s assessment of the prepaid card market covers market estimates for the broad market and focuses on the major vertical markets. Consume...

The Credit Card Data Book Part Two: Internal Dynamics

  • Javelin Report
  • Date: February 8, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The Credit Card Data Book is a two-part annual publication that covers the internal and external factors affecting the U.S. credit card market. The first part focuses on environmental factors such as macroeconomic indicators and consumer prefere...

The Credit Card Data Book Part One: Environmental Factors

  • Javelin Report
  • Date: February 7, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The U.S. credit market continued its path toward stabilization in 2022 but faced several hurdles, including rising interest rates, strained household budgets, and a highly competitive market environment. As a result, we expect conditions in 2023...

Emergency Money: Why There’s a Flood of Small-Dollar Loans and Secret Accounts

  • Javelin Report
  • Date: February 2, 2023
  • Author(s): Babs Ryan
  • Research Topic(s): Digital Lending
Too-little-too-late early payday solutions and short-term, small-dollar loans, motivated by pressure around overdraft fees or charges for non-sufficient funds (NSFs), are outpacing emergency savings programs. Javelin Strategy & Research has foun...

Open Banking Pushes Interoperability to the Payments Forefront

Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...

Smart Beta, Direct Indexing, and the All-Weather Portfolio

Direct indexing offers a compelling framework for the investor interested in capital preservation, particularly when it is executed through a smart-beta lens. Smart-beta direct indexing provides a best-of-both-worlds approach that boosts investi...
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