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2021 Outlook: U.S. Payments

The judgment to make about the pressure exerted by the COVID-19 virus on the U.S. payments business hinges not only on which changes are important, but which changes are permanent, or portend permanent developments beyond their implementation. T...

An Exploration of the Complex Prepaid Market and How a Change in Reg. II Could Unravel Fintechs

  • Javelin Report
  • Date: April 9, 2021
  • Author(s): Laura Handly
  • Research Topic(s): Prepaid
Mercator Advisory Group releases new research on the prepaid market and how a change in interchange regulations could pose significant challenges for fintechs.

A Functional Taxonomy of Digital Wallets: Today’s Version, Tomorrow’s Direction

  • Javelin Report
  • Date: April 5, 2021
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging, Prepaid
Mercator Advisory Group implements a taxonomy to aid evaluation of all digital wallets; open, closed, mobile and web based.

A Maturing U.S. Neo-Bank Market: Growing Pains and Opportunities

  • Javelin Report
  • Date: April 2, 2021
  • Author(s): Laura Handly
  • Research Topic(s): Debit, Prepaid
Mercator Advisory Group releases new research on the neo-bank market, the threats facing fintechs, and predictions for the future.

Tech Enablement for Trusted Advisers

  • Javelin Report
  • Date: April 2, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Digital originations help lenders engage with consumers earlier in the process of buying homes and cars. But even the most sophisticated lenders often struggle with extending these enhancements to professionals outside their organizations who ar...

Pay-at-the-Table Finds Its Way onto More Menus

  • Impact Note
  • Date: April 1, 2021
  • Author(s): Raymond Pucci
  • Research Topic(s): Credit, Merchant
The restaurant industry was rocked by the COVID-19 pandemic and now looks for solutions to aid its recovery. An existing payment application, Pay-at-the-Table, no newcomer, is getting renewed attention from tech developers as a way to increase s...

Robo‐Wholesaler: Redefining the Asset Manager and Advisor Relationship

Fee pressures and the ubiquity of information on funds and other investment product have put the onus on the asset management wholesaler to serve in an advisory capacity, rather than one focused on sales. Portfolio analytics tools enable the who...

Digital Déjà Vu: Banks Miss Another Stimulus Opportunity

As the third round of stimulus payments reached U.S. consumers, most digital banking sites provided little, if any, guidance as to how best to put the funds to use. Banks missed a perfect opportunity to showcase financial fitness tools and conte...

The Gaping Digital Divide in Push Notifications

Although financial alerts are a crucial conduit for long-term, proactive relationships, the majority of U.S. banks and credit unions have handicapped themselves in two ways. They are both deaf and dumb – deaf to consumer demand for personalized ...

The 2021 Credit Card Data Book Part One: Internal Dynamics

  • Javelin Report
  • Date: March 30, 2021
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Mercator Advisory Group updates annual Credit Card Data Book with projections through 2023 in part one of two.
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