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Every payment decision involves a critical consideration of trade-offs. Merchants must weigh the investment required to achieve higher approval rates against the potential revenue loss from declines. For merchants, effectively managing this balance is essential for success. The Impact of Payment Declines A payment decline extends far beyond the immediate loss of a single sale. … Read more

A great cardholder experience can decide whether a customer stays loyal or churns.  Capgemini Research reports that 73% of customers feel indifferent or dissatisfied with their current card experience. That kind of disengagement puts long-term loyalty at risk. According to a recent FICO survey, 88% of bank customers say customer experience matters as much as or … Read more

Subscription businesses are growing fast, with the global market expected to reach $1.5 trillion by 2025. But growth doesn’t guarantee retention. One major threat is failed payments. According to PYMNTS, 50% of subscription cancellations are caused by failed card transactions. Recurly estimates that involuntary churn could cost subscription companies over $129 billion in 2025. These … Read more

What 2025’s Momentum Means for the Future of Payments The way people pay is changing faster than most legacy systems can handle. In 2025, we may be witnessing the beginning of fintech’s golden age, where innovation is reshaping the entire financial experience. This year alone, we’re seeing a consistent wave of strategic moves reshaping the … Read more

Why is Gen Z choosing fintech platforms over traditional banks? With current spending power estimated at $450 billion, and projected to reach $12 trillion globally within five years, this generation is already influencing the future of banking. For card issuers, understanding what drives Gen Z is essential to staying relevant. According to PYMNTS research, 54% … Read more

Card declines are a critical performance concern for acquirers, especially as merchants increasingly compare approval rates across providers. In this competitive landscape, even small differences in performance can drive churn. Today, 57% of merchants already use multiple acquirers to improve conversion and reduce risk. Another 40% of merchants using a single provider plan to add … Read more