Analytics

Holiday shopping doesn’t stop after December 25. It goes beyond that as many consumers buy goods post-holiday as well, boosting sales even more.

The holiday shopping season may be over, but that doesn’t mean that consumers will stop using their credit or debit cards in 2016.

If dead men tell no tales, that makes identity theft of deceased account holders all the harder for card issuers to combat, particularly when the perpetrators are bank insiders.

The popularity of data analytics has been building for a few years now, but expect more banks to look for ways to mine their data storehouses in 2016.

Despite increased investment and development in the consumer payments space around mag stripe, EMV and contactless payments solutions, there is still a huge concern when it comes to data theft.

So, here we are, living in the “future”…many of us now finally have chip cards; the G20 nations are all in the post “liability-shift” world; we’re all expecting to be living in the new paradigm.

NACHA's adoption of same-day payment, or ACH (Automated Clearing House) payment - allows businesses and customers to benefit from receiving same-day transaction processing, though with security risk.

The Federal Housing Finance Agency is giving private mortgage insurers some hope this holiday season that they might get a change to offer deeper mortgage insurance on Fannie Mae and Freddie Mac single-family loans.

Bank innovation has tended to focus on retail customers, but expect more technology for commercial customers in the coming year as those clients deman products that are easy to use and help them run more efficient enterprises.

The U.S. migration to EMV chip cards garnered most of the spotlight in 2015, but the October liability shift was just the start.