top of page
Search
🍎 Apple Pay Grows Big - How Big?
Recently an article about Apple Pay volume overtaking MasterCard is quickly circulating. Well, it is not an Apple-to-Apple comparison....
Frank Tian
Sep 11, 20221 min read
Card Networks Work Hard
With their sheer size, credit card has always been a target. Look at recent headlines: 👇 Affirm: Americans trust their ex more than...
Frank Tian
Aug 20, 20221 min read
🕵️♂️ 7 At-risk Consumer Segments to Watch
Even with some good US data points: July inflation drops to 8.5% July added 528K jobs The horizon is still cloudy with multiple risk...
Frank Tian
Aug 14, 20221 min read
US Household Debt Q2 Update
Q2 saw the steepest interest rate hike. How is the US household credit doing? Here is the latest quarterly report from the Fed: 👇 US...
Frank Tian
Aug 8, 20221 min read
US Banks Q2 Cards
Actions don’t always match feelings. As confirmed by the credit card numbers in Q2 earning reports. Credit card purchases had a strong...
Frank Tian
Jul 27, 20221 min read
BNPL - Underwrite Your Loan
As Professor G gave his quick take on BNPL, He mentioned credit card guardrails. What guardrails? Many wonders. There are 2 things that...
Frank Tian
Jun 19, 20222 min read
Subprime Loans Again?
A WSJ report highlights the rising delinquencies of subprime loans. Some are wondering - have we learned anything from 2008? Actually,...
Frank Tian
Jun 3, 20221 min read
Credit Card In Rate Rising Cycle
As the interest rate, the rising cycle begins, How does that impact the credit card industry? This Financial Brand piece highlights...
Frank Tian
May 30, 20221 min read
Payment + BNPL
Lately in the competitive payment space, Payment companies begin to partner with BNPL providers. Here are the latest examples: Visa...
Frank Tian
May 22, 20221 min read
Q1 Credit Update
In the eventful Q1 2022, How is the US household credit doing? Here is the latest quarterly report from the Fed: US household debt up...
Frank Tian
May 20, 20221 min read
A New and Unknown Universe - Crypto
As more attention is drawn to the virtual Metaverse, this GARP article shared possible opportunities for risk managers, from credit risk,...
Frank Tian
May 8, 20221 min read
💳 Q1 '22: Consumers Pulled Out Cards Again
In the most recent financial quarter, Visa credit cardholders shopped 22% more Y/Y; MasterCard credit cardholders shopped 19% more Y/Y....
Frank Tian
May 6, 20221 min read
💳 CFPB on Card Late Fee
CFPB published a comprehensive report on credit card late fees on March 29, 2022. In 2020, a total of $12 billion in late fees were...
Frank Tian
Apr 18, 20221 min read
Impact of Payment Pause on Credit Scores of US Student Loan Holders
3 highlights from NY Fed’s latest consumer credit analysis by income: 👉 The lower-income group holds comparable auto loans and student...
Frank Tian
Apr 8, 20221 min read
US Quarterly Household Credit Update
🏦 Latest quarterly Fed report: US household debt up $333 billion in Q4 ‘21. The total debt reached $15.58 trillion. Over $1 trillion...
Frank Tian
Feb 8, 20221 min read
Q4 '21: Canadian Card Down Significantly
💳 The Canadian credit card balance is still down significantly. 🐢 The speed of recovery is slower than consumer spending. Source: Globe...
Frank Tian
Feb 4, 20221 min read
bottom of page