BNPL: The Frenzy Continues
If you ever tried a BNPL loan, you'd find that the process works well for consumers and merchants. BNPL does...
Bankrupts Hold Flat, Suggesting Clear Sailing for Credit Cards into 2022
Many of the usual metrics that measure credit risk were counterintuitive during COVID. Delinquencies dropped, write-offs plunged, and consumer credit fell....
Costco Co-Brands in Canada: So Long to Capital One, Hello CIBC
Capital One operates in three markets, the US, Canada, and United Kingdom. Capital One Canada reduced Canadian card volumes substantially...
Consumer Sentiment and Credit Cards: Feeling Better but Not So Good
If consumer purchasing is the lifeblood of payments, you have to consider their confidence in the economy. Right now, it does...
The British are Coming: Revolut Announces U.S. Credit Card Play
The crowded U.S. credit card industry, with 10 top players, and more than 4,000 small and mid-range issuers, will face...
Credit Cards and Credit Scores: Do Rebuilders Help?
A good credit score, particularly one universally accepted by lenders such as the FICO Score, is a consumer asset. The score...
I Scream About Credit Card Surcharging
If you ever had the opportunity to read this study by the Federal Reserve, you'd have a pretty good understanding...
BNPL Product Variations, Round III: CommBank Australia launches StepPay
As Buy Now Pay Later (BNPL) becomes a mainstream lending product, new models will emerge. The simple BNPL product, pay-in-four,...
PayPal Disrupts the BNPL Model as it Strikes Late Fees
Nothing is free in life, and that holds for Buy Now Pay Later Lending. We discussed the marginal benefit of...
Retail Sales and Credit Cards: Falling Sales Indicate Credit Card Revenue Risk
The U.S. Census Bureau published their numbers for July 2021 this morning. Unfortunately, the numbers do not bear well for...
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