In today’s highly competitive landscape, credit card issuers face the challenge of optimizing portfolio profitability while also effectively managing their overall risk. Financial institutions...
The winter holiday festivities are underway, and when it comes to the local malls, the holiday spending spirit seems to have already been in...
Consumer confidence is nearing an 18-year high. Unemployment figures are at record lows. Retail spend is healthy, and expected to stay that way through...
The average number of retail trades per consumer has been trending down since 2007. But the average consumer retail debt is trending up, roughly...
Credit card balances grew to $786.6 billion at the end of 2017, a 6.7% increase to the previous year and the largest outstanding balance...
Our national survey found that consumers struggle to find a credit card that meets their needs. They say there are too many options and...
The economic expansion just passed the eight-year mark, and consumer credit defaults across mortgages, bankcards and auto loans are at pre–financial crisis levels. More...
The holidays are behind us, the presents are unwrapped, resolutions have been made and may already be broken. For many, it’s the most depressing...
Let’s play word association. When I say holiday season, what’s the first thing that comes to mind? Childhood memories. Connecting with family. A special...
The first six months of 2016 has shown that the total credit card limits among the subprime and deep subprime credit range totaled $6.4...
Time to dust off those compliance plans and ensure you are prepared for the new regulations, specifically surrounding the Military Lending Act (MLA). Last...
This month, it’s all about parties and gift giving and holiday traditions. Fast forward a month, however, and consumers will be in a different...
What the EMV Shift means for you I recently facilitated a Webinar looking at myths and truths in the market regarding the EMV liability...
What will the EMV shift really mean for consumers and businesses here in the U.S.? Businesses and consumers across the U.S. are still adjusting...
A recent Experian credit trends study showcases the types of debts Americans have, the amounts they owe and the differences between generations. Nationally, the...