CFPB: Are Late Fees to Offset Delinquency Costs, or for Revenue?
Pricing credit cards is often an art as much as a science. The card issuer faces the challenge of being ...
Tag: Lending
Stay updated on lending industry trends and developments. PaymentsJournal provides expert analysis and news to help you navigate the evolving landscape of loans and credit.
BNPL: Will Regulators Be Able to Figure Out Reporting?
Our view of BNPL is mixed. Consumers are ready for something new, as evidenced by the product’s growth. Lenders are ...
Four Banks Dominate Consumer Lending in Russia:
The credit card is one of the most common forms of consumer lending. Credit cards allow consumers to borrow money ...
Apple Makes Risky Play into the Lending Market
Interesting times at Apple, as a crowd of fintech analysts forms to see how far Apple will wade into the ...
Buy Now, Pay Later: Merchants Need to Think About Plan B
Will BNPL as we know it, make it to the winter holiday season? Maybe not if you read the WSJ. ...
Fumbling and Stumbling in Buy Now, Pay Later
Our position on BNPL, since it hit the U.S. market, is that the model is unsustainable. Simply put, you can ...
Upstart or Downstart: Homegrown Scores Dampen Investor Confidence
There is plenty of talk about fintech Upstart’s recent stock performance, which closed at $37.46 per share on May 16, ...
Fair Lending and Credit Cards: No Problems Here
Fair lending laws are a staple of credit card payments. In the world of credit cards, issuers are more concerned ...
Why Banks Will Prosper from New BNPL Regulations
Imagine the Buy Now Pay Later (BNPL) industry as a car accelerating as the market grows. But the problem with ...
BNPL and Visa: Prescreening Issuer Options
A wide field of Buy Now, Pay Later players can confuse even the best credit manager as they try to ...
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