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CECL: Proven in the Field and Ready for Prime Time

  • Impact Note
  • Date: October 18, 2021
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Bankcard accounting requirements for recognizing credit losses at top banks became subject to more conservative rules following the Great Recession and Dodd-Frank. The process, which took effect in 4Q 2019, helped the industry prepare for unanti...

Request for Pay: Opportunities Await, but It’s a Long Road to Mainstream Adoption

The U.S. payments market is beginning to see the launch of Request-for-Pay (RfP) products using the messaging system developed by The Clearing House and tied to the RTP network. RfP solutions currently being deployed have limited audiences, but ...

How to Build a Production-Ready Banking API Portal and Avoid EU Mistakes

  • Javelin Report
  • Date: October 5, 2021
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Mercator Advisory Group’s latest report ranks 12 API management platforms based on three critical operational areas that have caused delays in the rollout of the PSD2 mandated APIs in Europe. For those planning an API portal deployment, this rep...

Commercial Credit Cards: North America Market Review and Forecast, 2019-2025

A new Mercator Advisory Group research report reviews developments in the commercial credit card industry during the past 18 months and looks at how the future is shaping up.

2021 Small Business PaymentsInsights: Business Operations – In the Midst of a Pandemic

Mercator Advisory Group’s latest survey shows that although small business owners faced trying times during the pandemic, more than half reported experiencing a positive year-over-year revenue increase, slightly over 12 months after the start of...

Auto Lenders to Face Challenges in Shift to Build-to-Order Car Buying

  • Impact Note
  • Date: September 22, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Third-party auto lenders must accelerate their adoption of digital touchpoints to remain relevant with consumers and manufacturers migrating toward a build-to-order car buying experience. This market shift makes it paramount for lenders to offer...

Digital Closing and eNote Test Drive

  • Javelin Report
  • Date: September 21, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
The era of the traditional paper-intensive mortgage closing is slowly ending; the victim of advancing technology and a pandemic that has prompted lenders and borrowers to seek safer, remote ways of doing business. After resources were poured int...

Internet of Things (IoT) Technology and Consumer Devices: Machine Triggered Payments Continue Growth in U.S. Households

IoT transactions see continued growth in U.S. households. The sustained growth of smart home devices in the U.S. has created a market for machine triggered, IoT purchases of household goods. New research by Mercator Advisory Group explores the ...

Digital Platforms and the Guaranteed Income Conundrum

There are no guarantees in life. Except when it comes to death, taxes, and certain types of income-focused investments. These include the insurance company-issued annuity contracts that are gaining traction among independent advisors.

18th Annual U.S. Closed-Loop Prepaid Cards Market Forecasts, 2020-2025

  • Javelin Report
  • Date: September 17, 2021
  • Author(s): David Nelyubin
  • Research Topic(s): Prepaid
The report titled 18th Annual U.S. Closed-Loop Prepaid Cards Market Forecasts, 2020–2025 provides an analysis of the growth and development of the prepaid cards industry through 2025. The report examines loads, growth potential, and market dynam...
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