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News
What Makes a New Card Win the Wallet?
3+ hour, 25+ min ago (282+ words) A card can earn top billing in a customer’s wallet or disappear behind an expired gift card. The difference often starts with the first tap and grows with every experience that follows. The Issuer Engagement Playbook, “Erasing Friction, Driving Engagement:…...
American Express Expands Virtual Cards for Corporate and Business Travel Spending
5+ day, 19+ hour ago (165+ words) American Express is expanding the availability of virtual cards for businesses, as more companies use digital payments to manage expenses and reduce fraud. “Businesses want to simplify how they pay for things while maintaining control and visibility into spending across…...
Debit Is Becoming Gen Z???s Money Management App
6+ day, 3+ hour ago (254+ words) Debit cards are a daily financial control panel for many Generation Z consumers, which gives banks a new way to compete for loyalty. The PYMNTS Intelligence tracker “The Incremental Imperative: Why Debit Innovation Is the New Standard for Cardholder Loyalty,…...
Consumers Cut Extras as Credit Card Debt Nears a Record
1+ week, 4+ day ago (550+ words) Total consumer credit grew at a 3.3% seasonally adjusted annual rate in June after shrinking 0.3% in May. The rate charged on card accounts that incurred interest rose to 22.15% in the second quarter. Among financially strained paycheck-to-paycheck consumers, 53% said they had reduced…...
Federal Reserve Readies Pilot Survey to Gauge Private Credit Markets
1+ week, 6+ day ago (280+ words) The Federal Reserve Bank of Dallas and the Federal Reserve Bank of New York plan to launch a pilot survey of the U.S. private credit market. The organizations expect to launch the survey after the end of the third quarter and…...
Member Behavior Gives Credit Unions an Early Warning System
2+ week, 3+ hour ago (782+ words) Credit unions have earned member trust, but they must translate that trust into everyday financial behavior. Both Trumark Credit Union and Velera executives said transaction data can reveal where members are in their financial journey before they ask for help....
Banks Move Credit Decisions to the Transaction Level
2+ week, 5+ day ago (487+ words) For most of modern banking, credit and commerce have occupied separate systems. A lender evaluated a borrower, assigned a limit and established terms. The customer then spent against that pool of credit across hundreds or thousands of purchases. Outside of…...
Method Debuts Tool to Keep Lenders and Borrowers Connected
2+ week, 5+ day ago (486+ words) Financial connectivity platform Method has released a tool to provide lenders with ongoing post-origination monitoring. “Where other attempts at offering this product have relied on periodic data pulls, manual batch uploads or customers maintaining account connections, Method’s Portfolio Intelligence monitors…...
Card Delinquencies Creep Up as Consumers Rely More on Credit
3+ week, 2+ day ago (440+ words) American card delinquencies ticked up in June amid a downturn in charge-offs at major banks. The report showed the average delinquency rate climbing from 2.47% in May to 2.48% in June. That’s below the three-month average of 2.50%, and far less than levels…...
PYMNTS | House Approves Relaxed Regulations for Community Banks
3+ week, 5+ day ago (407+ words) The U.S. House has approved a bill designed to support America’s smaller banks. The Main Street Capital Access Act, adopted Tuesday (July 21), is designed to lessen or modify banking regulations, including those dealing with federal regulation, merger requirements, and the formation…...