Enterprise intelligence that powers digital customer experiences has never been more advanced — so why are 70% of digital transformations floundering?

Disjointed digital customer experiences are causing banking and insurance customers to flee in record numbers

If you are reacting to customer and competitor actions, you are already behind; but enterprise intelligence can get you back in the game

Monthly report on UK credit card trends shows financial prudence with spending down and percentage of payments to balance up – but will lockdown stashes save the day or fade away?

August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen

The real trick to beating the bad guys, like digital disruptors, is outsmarting them

Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell

Achieving customer centricity without a decisioning platform can be as hit-or-miss as solving a Rubik’s Cube and its quintillion possible combinations

Credit card trends for payments and delinquencies show similar patterns in the US, the UK and Canada, though extra savings and government support are masking the pandemic's impact

Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers

Credit card spend 3.5% higher than June 2019, suggesting some households are benefitting from pandemic savings, but not everyone is confident in financial position

Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'

The 2020 Year in Review report from the DOJ's Fraud Section reflects a remarkable record of individual prosecutions in 2020

End of lockdown spurs spending, but continued government support and accrued savings blur the true picture of UK debt

FICO data shows true state of consumer finances still masked in March; April will be pivotal for lenders