While BNPL losses remain low, consumers may be overextending themselves, making it harder for consumers to pay off their growing credit card balances

Delinquencies, co-brand movement, and the biggest mega-merger yet are just some of the things that will shape the new year.

The ruling effectively kills the cap, as Trump’s CFPB likely won’t fight it. Issuers that preemptively raised APRs in response may start reversing their actions.

This deal is a setback for Barclay’s push into the US market and a major win for Citi.

Gen Zers are driving growth in both emerging and traditional payment methods as they embrace cards, BNPL, and digital wallets. Payment providers must now align their offerings with Gen Z’s preferences as the cohort’s spending power grows.

They’re still well below the overall average but could impede the already sluggish credit card recovery.

Understanding the nuances of how and where Latin America’s 293.2 million digital buyers spend their money online is key for brands and retailers to succeed in the world’s second-fastest-growing region for ecommerce.

Peru is Latin America’s fifth-largest retail ecommerce market by total sales volume. Although social unrest has stymied online sales growth over the past two years, the country has the potential to become a formidable multibillion-dollar ecommerce player in the region.

Understanding the nuances of how and where Colombia’s 13.4 million digital buyers spend online is crucial for brands and retailers seeking a competitive edge in this emerging market.

Chile is the fourth-largest retail ecommerce market by total sales and will be the No. 4 fastest-growing digital economy in Latin America. Understanding Chile’s 11.0 million digital buyers is essential for brands and retailers looking to capitalize on this resurging ecommerce market.​

Argentina's ongoing macroeconomic challenges and triple-digit inflation rates have curbed online consumer spending. However, pockets of growth opportunities still exist.

US ad spend on financial media networks (FMNs) will more than double in 2025 and again in 2026. But with just $710 million projected in US ad spend in 2025, per June 2024 EMARKETER forecast, FMN ad spend will be 18 times smaller than retail media network (RMN) ad spend.

The added perks will likely appeal to Gen Zers and help meet their credit card reward demands

Understanding the nuances of how and where Mexico’s 67.5 million digital buyers spend their money online is key for brands and retailers to succeed in this thriving ecommerce market.​

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.

As younger generations use the P2P app for more of their banking needs, it’s still missing key financial services.

Record APRs are putting off consumers—we look at what this means ahead of issuers’ earnings later this week.

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

Digital ad spending in the payments industry is set to surge as consumers start to get through the financial headwinds of the past few years. We look at where payment providers should focus their ad spend to maximize returns.

Social commerce is the fastest-growing US retail channel, and retailers will need to offer a seamless payment experience to maximize the opportunity. Understanding payment preferences will be key to ensuring conversion at checkout.