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In our recent webinar, Nathan Joel, Head of Sales, shared how issuers can stay top-of-wallet in 2025. The focus? Three key pillars: Personalization, Partnerships, and Trust. These pillars are essential for issuers looking to reduce declines, optimize authorization rates, and build stronger customer relationships. 1. Personalization: Driving Cardholder Preference Consumers demand seamless and personalized payment … Read more

The Challenge  40% of inactive cardholders eventually switch to another provider.  In a market flooded with payment options, issuers must act fast to secure and maintain top-of-wallet status. Consumers today have more choices than ever – credit and debit cards, digital wallets, APMs, BNPL services, and contactless payments. New payment technologies continuously reshape consumer preferences, … Read more

For millions of Americans, financial stability remains a distant goal. Systemic barriers, such as limited access to affordable credit and the frequent use of certain banking practices and fees disproportionately affect underserved communities. However, a growing wave of innovation led by neobanks and progressive financial institutions is reshaping the landscape of financial inclusion. Understanding Financial … Read more

As we step into 2025, financial institutions are investing in innovative technologies to stay competitive and meet new challenges. Here are top five banking technology trends to watch in the year ahead: 1. AI and Automation in Banking Operations Artificial intelligence (AI) and automation are reshaping banking operations by driving efficiency, reducing costs, and unlocking … Read more

Non-sufficient funds fees (NSF fees) have long been standard charges that card issuers impose on their customers. However, many challenger banks have already moved to a fee-free model, reshaping customer expectations in the industry. While these fees provide short-term revenue, they can erode customer trust, leading to long-term consequences such as customer attrition, negative brand … Read more

The Consumer Financial Protection Bureau (CFPB) has issued a bold new rule aimed at capping overdraft fees and saving consumers billions annually. While this rule presents a challenge for banks, it also gives banks the opportunity to rethink their revenue strategy and explore new approaches to meet customer needs while still maintaining profitability.   Regulatory … Read more