(New York, NY): Auriemma Consulting Group will have two speaking roles at Airline Information’s Mega Event 2018, scheduled for October 31st through November 2nd in Long Beach, CA. Both of Auriemma’s speaking roles will discuss how issuers and brand partners can evolve and improve their co-brand programs in the current environment. David Edwards, a director […]
(New York, NY): With the rewards war in full swing, the sustainability of some benefits has come into question, causing issuers to think critically about what they offer. Recent research from Auriemma Group’s Cardbeat® report identified the most and least important card acquisition drivers, highlighted the benefits that most impact usage, and revealed a general […]
(New York, NY): All eyes are on FinTech following the announcements last month from the Office of the Comptroller of the Currency (OCC) and the U.S. Treasury Department supporting financial services innovation. The OCC’s decision to start taking applications for a new Special Purpose National Bank (SPNB) charter for FinTech companies is particularly intriguing. While […]
(London, UK): Hold the phone: Email is cardholders’ most preferred means to communicate with their credit card providers, but concerns remain before issuers can deliver a consistent customer experience in that channel. Email topped the list of all channels, including phone calls manned by agents, live chat, mobile apps and SMS, according to Auriemma Group’s […]
(New York, NY): As the time for Current Expected Credit Loss (CECL) implementation draws closer, most credit card issuers are working feverishly to develop workable models by the relevant deadline – 2019 for SEC filers, 2020 for non-SEC filers. CECL is intended to better capture the inherent credit loss exposure within a loan by measuring […]
(New York, NY): Walmart shoppers who can use Apple Pay and have a mobile payment preference are twice as likely to choose Apple Pay over Walmart Pay, according to new research from Auriemma Group’s Mobile Pay Tracker. But discount- and shopping-focused app features could give Walmart and other merchants a competitive edge over Apple Pay, […]
(New York, NY): Credit cardholders can be divided into two groups based on their payment behavior—revolvers and transactors. And while this distinction often identifies key differences between those who carry a balance and those who do not, revolvers are not all created equal. Recent research conducted by Auriemma Group compared on-time revolvers (i.e., those who […]
(New York, NY): The battle for market share among branded credit card programs seeking prime and superprime customers has been fierce. Rewards have grown ever richer and, as the cost per acquired account rises, marketing efforts come with diminishing returns for both brands and issuers. In contrast to the proliferation of products targeting prime and […]
(New York, NY): After a year of celebrity following its release in late-2014, Apple Pay had to share the spotlight with Android Pay and Samsung Pay. Since then, the market has grown even more crowded, with merchants, such as Walmart and Kohl’s, developing Pay options for their consumers to use at the point of sale. […]
(London, UK): Consumers experiencing or on the brink of persistent debt are now covered by new rules and guidance aimed at protecting them, thanks to the Financial Conduct Authority (FCA). The FCA is calling upon issuers to identify and assist at-risk consumers and those within the cycle of persistent debt. In a policy statement released […]