Our comprehensive survey uncovered striking regional differences in consumer priorities and behaviors, challenging conventional wisdom about what drives account selection

From banks to telcos to debt collection agencies, what looks like unrecoverable bad debt may in fact be first-party fraud - here's how to reduce its impact

Navigate the complexities of enterprise fraud management with seamless orchestration, real-time detection, and scalable prevention and intervention strategies.

Credit unions saw a slowdown in severe delinquency impacting their credit card portfolios to finish 2024, with increases in average monthly spend and average balance

Credit card delinquency rates picked up in the back half of the year as spending slows

Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

Credit card balances and severe delinquencies are growing but positive signs are starting to appear

Credit card balances continue to rise, early-stage delinquency begins to show signs of flattening

Real-time communications play a key role for banks to balance sensible friction in fraud management with customer preferences for ease and convenience

More consumers are carrying credit card balances despite high rates, and delinquency rates continue to rise

Hyper-personalized fraud management is becoming integral to banks’ abilities to extend fraud-protected but friction-free customer experiences

Higher prices keep customers in a pinch from making on-time payments

A lack of context and orchestration can limit a bank’s ability to stop fraud, while increasing the potential for false positives

The pandemic caused behavioral impacts on credit card payments of consumers for revolving products, where the minimum due is a small percentage of the current credit card balance

Bankcard delinquencies exceed pre-pandemic levels, higher losses are forecasted ahead