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A great cardholder experience can decide whether a customer stays loyal or churns.  Three-quarters of customers are currently indifferent or outright dissatisfied with their card experience, according to Capgemini Research. More than half of U.S. bank customers say they’ve left a bank after a bad experience. This includes stopping the use of a credit 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

Non-sufficient funds (NSF) declines remain a persistent issue for card issuers, despite better analytics, improved tools, and the growing use of shadow limits. Every NSF decline is a missed opportunity: for revenue and for cardholder satisfaction.   The Real Cost of NSF Declines When a card is declined due to insufficient funds, the cost isn’t … Read more