Consumer payment method choice will expand in 2025 as real-time “pay by bank,” iPhone NFC access, and digital credentials take center stage. And financial media networks will turn more payment providers into marketers.

Our eighth annual study reveals which of the 10 largest US banks lead in mobile app innovation, based on an exclusive survey of which features mobile banking users value most.

Growing its network of airport lounges can help Capital One compete with American Express and Chase for frequent flyers

The rollout keeps U.S. Bank competitive with other issuers, like Chase, and can help encourage greater travel spend on its cards

From the rise of sophisticated AI-driven tools to new policies reshaping data privacy and competition, 2025 promises to be a year of relentless change. Companies that adapt will thrive, while others risk being left behind in a swiftly moving market.

The agency has launched similar inquiries with other major banks. These could create reputational problems for the P2P platform

The reputational damage could make issuers wary of taking on the card as they look for a new partner

Their data is consistent with what other major US credit card issuers reported, suggesting the credit card recovery is still a ways off

While conditions are improving, the warning signs haven’t gone away completely

US buy now, pay later (BNPL) payment value will reach $94.29 billion in 2024. As the industry matures, user growth is becoming limited—forcing BNPL fintechs to find new avenues for growth.

Leading cash-back credit cards need to drive acquisition in a cutthroat segment of the card market. Our exclusive consumer survey data reveals which emerging features issuers should invest in to win over customers.

As these solutions gain traction, the line between debit and credit is blurring.

Its full rollout has been a long time coming. Now, it needs to expand its merchant network before it can really take off

The issuer will have to innovate its card offerings to contend with the UK’s lower interchange revenues

The issuer wants concessions from Apple to protect it from some of the issues Goldman Sachs has dealt with

This should help boost volume for both the booking platform and for the card-linked installment offering, given BNPL’s popularity in the travel category and an overall spike in popularity for card-linked BNPL

In seven charts, this report tells the story of some of the most critical trends that digital leaders need to know about in 2024 and beyond.

Multiple users posted videos about a “hack” that turned out to be plain old check fraud. It won’t end well for those who were on trend.

The media model popularized by retailers is now being adapted by companies in other verticals. Financial services and travel companies are among those launching commerce media networks in a bid to monetize their first-party data.

Banks are experimenting with emerging technologies and business models to find new revenue streams. But stepping outside traditional banking molds introduces more business, reputational, and regulatory risk.