Credit Card Issuers: Drive Down Costs Before Loan Losses Rise

Credit Card Issuers: Drive Down Costs Before Loan Losses Rise

In this report, we review the current condition of U.S. credit cards, identify income and expense categories, and suggest where issuers may find opportunities by tuning revenue lines or decreasing expense lines.
Crypto Retirement Solutions for Self-Directed Investors

Crypto Retirement Solutions for Self-Directed Investors

Cryptocurrency investment has emerged as a tax-deferred retirement solution, which solves a problem for crypto investors also looking at a long-term investment horizon that expects capital gains. As younger investors—those between the ages of 21...
Differing Models Continue to Define P2P Payments

Differing Models Continue to Define P2P Payments

  • Javelin Report
  • Date: June 30, 2022
  • Author(s): Marco Salazar, Daniel Keyes
  • Research Topic(s): Tech & Infrastructure
The funding mechanism consumers use for their person-to-person (P2P) transactions will determine the financial relationship P2P platforms can build with their users. P2P operators must figure out how to make the unprofitable yet popular industry...
Data Loss Prevention Against Ransomware

Data Loss Prevention Against Ransomware

This report explores the challenges financial services providers face, not only when it comes to being attacked themselves, but in the counsel and education they offer to business customers and consumers about how to defend themselves against fa...
DDoS Attacks Pose New Risk for Banks: Tiny Botnet Wages Largest HTTPS Attack on Record

DDoS Attacks Pose New Risk for Banks: Tiny Botnet Wages Largest HTTPS Attack on Record

The news earlier this month that the largest HTTPS distributed denial-of-service (DDoS) attack on record was intercepted and mitigated should get the attention of financial institutions. The sheer size and power of the attack, waged by a tiny bo...
U.S. 2022 Person-to-Person (P2P) Payments Market Update

U.S. 2022 Person-to-Person (P2P) Payments Market Update

A new research report from Mercator Advisory Group looks at the current state of person-to-person (P2P) payments and the shifts that are occurring.
Smart Contracts: New Contract Creation Tools Required to Ensure Contract Transparency and Trust

Smart Contracts: New Contract Creation Tools Required to Ensure Contract Transparency and Trust

  • Impact Note
  • Date: June 24, 2022
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Most decentralized finance (DeFi) discussions focus on the importance of the underlying immutable distributed ledger and the cryptocurrency used as the medium of value exchange. But perhaps the more important component of DeFi solutions is the a...
Overdraft Fees at an Inflection Point, Not a Cliff

Overdraft Fees at an Inflection Point, Not a Cliff

  • Javelin Report
  • Date: June 23, 2022
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Mercator Advisory Group releases new research that looks at the complex state of overdraft fees and the changes that are occurring.
Digital Wallets: Moving Beyond Payments With Expanding Options

Digital Wallets: Moving Beyond Payments With Expanding Options

This new Mercator research delivers a look at the state of digital wallets, where they are headed, and actions that may need to be taken now.
Data Aggregation: Empowering FI Decision Making

Data Aggregation: Empowering FI Decision Making

  • Javelin Report
  • Date: June 14, 2022
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
A new report from Mercator Advisory Group looks at the data aggregation market. It discusses how data aggregation will effect your business and what actions you need to take to manage the aggregation.