Research

India has global ambitions for the Unified Payments Interface (UPI), its wildly popular and admired instant payments system. The way it has positioned the system—and similar moves elsewhere, such as Brazil (with Pix)—serves as a model for countr...

The impact of fraud and cybersecurity on the client relationship means these challenges can no longer be considered through the lens of operational cost or as part of a box-checking exercise. Rather, they have assumed mission-critical importance...

Although banks provide a wealth of financial education on loans on their public websites, they integrate little of the content, calculators, and other features in digital banking for easy access once customers log in. This effectively treats cus...

We are four years clear of three megadeals in the merchant acquiring space—Fiserv’s addition of First Data, FIS’s acquisition of Worldpay, and the Global Payments-TSYS partnership—and now is the time to assess how the acquiring landscape has cha...

California legislators just passed the DELETE Act. Now it awaits the governor’s signature. Once enacted, the act will strengthen consumer privacy provisions outlined in the California Consumer Privacy Act, which took effect Jan. 1, 2020, making ...

Small-business owners, by and large, know the importance of cash-flow forecasting. But there’s a surprising disconnect between their perception of its value and the actual practice of accurately and efficiently forecasting their cash position. M...

With the recent launch of FedNow, as well as the continued presence of The Clearing House’s RTP network, instant payments are poised to transform money movement in the United States. This will require careful consideration and planning by financ...

Loyalty programs are a staple of companies’ attempts to connect with their customers, but only about half of them receive consumer engagement. A rising movement toward the use of non-fungible tokens—NFTs—as exclusive offerings and as a new payme...

The demographics of couples are changing, and quickly. Married couples may not share as much as they used to, and a growing number of households include partners who aren’t married. Innovative fintechs are building products that serve every type...

The banking industry’s traditional answer for Americans with limited or damaged credit histories is to educate customers generically, equip them with credit scores and do-it-yourself credit-building tools, and sell them a secured card with no fo...