Younger Cardholders Tell Issuers What Would Get Them to Use Their Cards More

Card theft and account breaches remain major threats, but some of today’s fastest-growing fraud schemes begin earlier by targeting identity itself. Criminals increasingly use artificial intelligence to build false identities and mimic real voices and faces well enough to slip past existing checks. That leaves...

Real-time payments in Asia-Pacific are entering a new phase. After years of building domestic instant payment rails, countries across the region are now connecting those systems across borders, expanding their commercial uses and laying the groundwork for transactions that run without a person at each...

For years, digital assets were something to buy and hold—a bet on the future rather than a way to pay for lunch. That calculus is shifting. Cryptocurrencies and stablecoins are increasingly being judged less by what they might be worth tomorrow and more by what...

For most of the history of financial services, credit functioned as a blunt instrument. A bank extended a line, a customer drew on it and borrowing remained separate from spending. The amount borrowed determined the terms, while what customers actually purchased was irrelevant. That model...