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.

Here’s a deeper dive into consumers’ financial outlook ahead of the holidays and what that means for retailers.

A recent study reveals this generational cohort cares less about accumulating and paying off debt than they do about saving.

It’s a concerning buildup for one month, but it merits some skepticism—consumers may be faring better than one data point suggests

Many are willing to go into debt to get through the season. This could become a problem for payment providers

A deluge of data has been fodder for all sorts of narratives about consumer financial health. We break down what’s really going on

While some consumers’ finances are improving, other consumers are falling deeper into debt

They’re getting hit harder with late fees and are relying on debt to pay for necessities.

Financial institutions that have relied on the platform to reach young consumers must come up with a Plan B—or face losing brand awareness.

The number of US life insurance policyholders is set to decline in the next few years. Understanding roadblocks to coverage in untapped and growing markets can help insurers right the ship.

An aversion to risk and debt has narrowed down their choice of banking products and led them to adopt unconventional money-management tactics.

On the first podcast episode of the new year, we discuss what buy now, pay later's (BNPL’s) prospects will look like in 2024. • In our “Story by Numbers” segment, we focus on the outlook for BNPL by looking at growth by generation. • In “Headlines,” we examine data from Adobe Analytics that states BNPL purchases were up 43% on Cyber Monday compared with the previous year, and how the rise of BNPL use over the holidays has increased consumers' debt burden. • In “For Argument’s Sake,” we debate whether BNPL promotes good or bad behavior. Listen to the podcast with host Rob Rubin and our analysts Grace Broadbent and David Morris.

Helping Gen Z save for retirement—and navigate competing financial priorities such as student loans—gives banks an opportunity to form long-term relationships with young investors.

But the metric doesn’t take into account the full picture of consumers’ financial health

Arecession would put more than $200 billion in credit card issuer revenues at risk. Issuers must be fully prepared for weakened consumers hobbled by unemployment, depleted savings, and extra debt payments. And they should prepare for the toll that deteriorating credit card spending and loan risk could take on charge-off rates, merchant fee revenues, and interest income

Issuers are bracing for a recession to take a toll on charge-off rates, merchant fee revenues, and interest income. But have they fully baked in the economic threats consumers face?

The BNPL provider added a credit opt-out feature to help prevent consumers from going further into debt

Sluggish progress at debt ceiling talks is forcing banks to cut exposure to Treasury securities and grow liquidity cushions.