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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

Acquirers today face shrinking spreads, rising competition, and merchants demanding more flexible, smarter payment solutions. To stay ahead, acquirers must maximize every transaction opportunity and protect their revenue streams. Here are four strategies to boost revenue and strengthen margins: Accept More Payment Methods Offering a wide range of payment options, digital wallets, buy-now-pay-later, and local … Read more

Understanding NSF Declines NSF declines happen when a customer’s account lacks the necessary funds to complete a transaction. While this might seem straightforward, the implications are far-reaching. Industry data indicates that 60% of failed payments occur due to insufficient funds, contributing to billions in lost transaction volume annually. Consider a scenario where a customer attempts … Read more

The payments industry is evolving rapidly – but one thing hasn’t changed: merchants and issuers still don’t talk enough. And that’s a problem. By working together, merchants and issuers can reduce false declines, improve approval rates, and deliver a smoother payment experience to their customers. Here are five key areas where collaboration can make a … Read more