Regulatory Mandate or Not, Corporate Open Banking is Here

Regulatory Mandate or Not, Corporate Open Banking is Here

Technology advances and market demand are creating an open banking environment that supersedes regulations.
U.S. Vendor Comparison of Consumer Bill Pay Providers: Laying the Foundation for Future Intelligent Use of Payment Data

U.S. Vendor Comparison of Consumer Bill Pay Providers: Laying the Foundation for Future Intelligent Use of Payment Data

  • Javelin Report
  • Date: September 3, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Fintechs take center stage to improve the bill pay experience for all. Mercator Advisory Group releases new research that reviews fintech firms providing modern bill pay services to financial institutions and considers companies offering direct...
The Influence of BNPL on Debit Cards and Account-to-Account Transfers

The Influence of BNPL on Debit Cards and Account-to-Account Transfers

  • Impact Note
  • Date: September 2, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Buy Now, Pay Later (BNPL) payment plans are an extension of credit to consumers provided at the point of sale, often at no cost to the consumer. The option for free loans has fed the rapid adoption of BNPL, influencing the product plans for cred...
Payments Hub Market and Vendor Solutions Overview: Technology Advances Offer a New Perspective

Payments Hub Market and Vendor Solutions Overview: Technology Advances Offer a New Perspective

A new Mercator Advisory Group research report reviews developments in the payments hub space as technology advances, new payments methods begin to proliferate, and cloud delivery methods expand.
Buy Now, Pay Later: Sales or Cost Driver?

Buy Now, Pay Later: Sales or Cost Driver?

  • Impact Note
  • Date: August 30, 2021
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
A confluence of factors in our COVID economy have come together to make Buy Now, Pay Later (BNPL) installment options attractive for consumers. Merchants, of course, are drawn to anything that resonates with shoppers and has the potential t...
ESG Analytics: Actionable Intelligence for Socially Responsible Investing

ESG Analytics: Actionable Intelligence for Socially Responsible Investing

Analysts and wealth management advisors who are focused on meeting the needs of clients who value environmental, social, and governance (ESG) concerns have an increasing number of sources of information about those investments. The problem is, t...
Why Scams Are a Growing Threat to Financial Institutions

Why Scams Are a Growing Threat to Financial Institutions

Criminals have doubled down on scams and are reaping massive profits. As consumers deal with the blows of losing money to criminals, they often look toward their primary financial institutions for restitution, which often comes with a tremendous...
2021 Mid-Year Credit Card Health Checkup: Strong Performance but Watch Headwinds

2021 Mid-Year Credit Card Health Checkup: Strong Performance but Watch Headwinds

At the mid-year point of 2021, credit card profits are steady, despite decreases in revolving debt, thanks to recovered loan loss reserves held back from the risk associated with COVID-19. With record-low delinquency rates, and spending on the r...
2021 U.S. North American PaymentsInsights: Subscriptions, Bill Pay, and Consumer Fraud Experience

2021 U.S. North American PaymentsInsights: Subscriptions, Bill Pay, and Consumer Fraud Experience

Mercator Advisory Group’s latest 2021 North American PaymentsInsights report provides an overview of key trends in subscriptions, bill pay, and fraud, as they relate to the payments ecosystem.
Building Better Bill Pay: Just Do It

Building Better Bill Pay: Just Do It

The big breakthrough in bill pay will come when banks give their customers oversight and control of bills paid through bill pay and directly at biller sites. Choosing a method for paying bills isn’t an either/or proposition for consumers—it’s a ...