INDUSTRY INSIGHTS

Changing Climate in the Consumer Lending Marketplace: What We’re Seeing and Hearing

December 4, 2021

Three Things We’re Hearing: 1) Tidal wave of new credit card products 2) Cash back and specialized spending bonuses popular with consumers 3) Non-card products...

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November 6, 2021

Three Things We’re Hearing: 1) BNPL-ooza 2) BNPL growth continues 3) Bank-branded cards dominate the mail

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October 2, 2021

Four Things We’re Hearing: 1) Card balance growth finally turning the corner 2) College students are savvy loan shoppers 3) New bank overdraft products gaining...

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September 11, 2021

Three Things We’re Hearing: 1) Activity in the HELOC market 2) Card mail volume continues to climb 3) Ed refi poised for growth

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August 7, 2021

Four Things We’re Hearing: 1) Personal loan applicants like branches 2) Credit card competition surges 3) Ad spending for some products still recovering 4) Is...

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July 10, 2021

Three Things We’re Hearing: 1) Consumers still value travel rewards cards 2) Competition in the credit card sector is back 3) Personal loan issuers remain...

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June 5, 2021

Five Things We’re Hearing: 1) Younger consumers like “pre-qual” 2) HELOC lenders still scarred from 2009 3) Credit card mail volume soars, other products lag...

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May 1, 2021

Three Things We’re Hearing: 1) Consumers like digital banking 2) Lenders re-entering the market 3) Overall financial services ad spending still recovering

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April 3, 2021

Three Things We’re Hearing: 1) One year later… 2) What’s going on with credit card growth? 3) Online savings rates showing no love

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March 20, 2021

Four Things We’re Hearing: 1) Financial services ad spending rebounds 2) Visa and Mastercard issuers shrink in 2020 3) Millennials bank just like us 4)...

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March 6, 2021

Three Things We’re Hearing: 1) Younger consumers more likely to switch primary banks 2) Personal loan mail volume plateaus 3) Large issuer card mail volume...

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February 20, 2021

Three Things We’re Hearing: 1) Surprising credit card preferences for younger consumers 2) Younger consumers prefer choice in personal loans 3) Consumer spending binge in...

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February 6, 2021

Three Things We’re Hearing: 1) HELOC poised for growth? 2) Personal loan growth sluggish 3) Cash back cards dominate the mail

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January 23, 2021

Three Things We’re Hearing: 1) Stimulus payments continue to boost consumers’ finances 2) Financial services ad spending still lags 3) Three predictions for 2021

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January 9, 2021

Three Things We’re Hearing: 1) Why delinquencies remain low and payments high 2) Co-branded credit card mail volume rebounds 3) Personal loan mail volume –...

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December 19, 2020

Three Things We’re Hearing: 1) Big credit card opportunity for retail banks! 2) Financial services digital advertising grows 3) Credit card metrics returning to “normal”

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December 5, 2020

Three Things We’re Hearing: 1) Credit card mail volume continues to normalize 2) Personal loan mail volume recovery stalls 3) Financial services marketing coming back...

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November 21, 2020

Three Things We’re Hearing: 1) Consumers like aggregators! 2) Future credit card delinquency trends 3) Direct mail delivery slows down

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November 7, 2020

Three Things We’re Hearing: 1) Travel rewards cards are not dead! 2) Checking and savings acquisition spending picks up 3) Student lending originations slightly down?

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October 24, 2020

Three Things We’re Hearing: 1) American Express sets the pace 2) Personal loan mail volume lags 3) What’s on the horizon for asset quality?

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October 10, 2020

Three Things We’re Hearing: 1) Point of Sale (POS) lending is growing 2) Education lending bucks the downward trend 3) No movement yet on card...

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September 26, 2020

Three Things We’re Hearing: 1) Credit card mail volume recovering 2) Personal loan mail volume steady 3) Acquisition spending up across products and channels

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September 12, 2020

Three Things We’re Hearing: 1) Consumers increasingly use personal loans for home improvements 2) Local banks are a surprisingly popular choice for personal loans 3)...

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August 29, 2020

Three Things We’re Hearing: 1) Personal loan online acquisition perked up in July 2) Credit Card mail volume edges up 3) Student loan acquisition unfazed...

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August 22, 2020

Three Things We’re Hearing: 1) But what about the mail? 2) Credit card balances continue to shrink 3) Consumer spending is back, but different

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August 8, 2020

Three Things We’re Hearing: 1) Areas of opportunity for local banks 2) Advertising spend down across channels 3) Auto insurance spending won’t slow down...

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August 1, 2020

Three Things We’re Hearing: 1) Consumers rarely switch checking accounts – branches matter 2) Is small business lending headed for a repeat of ’08/’09? 3)...

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July 25, 2020

Four Things We’re Hearing: 1) Credit card mail volume continues to drop 2) Personal loan mail volume is also low 3) Student and education refi...

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July 18, 2020

Three Things We’re Hearing: 1) Consumer lending executives are cautiously optimistic 2) Student lending activity still lags 3) Further signs of life in credit cards...

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July 11, 2020

Three Things We’re Hearing: 1) Marketing spend is down across all channels and categories 2) Travel reward card issuers respond to a challenged value proposition...

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June 27, 2020

Three Things We’re Hearing: 1) Credit card mail volume at lowest level in decades? 2) Personal loan volume plunged as well 3) $2 trillion growth...

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June 20, 2020

Three Things We’re Hearing 1) Possible good news coming? 2) Asset quality trends are misleading 3) Credit card growth has stalled Today’s newsletter takes 2...

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June 13, 2020

Three Things We’re Hearing 1) Personal loan rates are in flux 2) Student lending is approaching peak season with a big question 3) Consumer delinquencies...

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June 6, 2020

Five Things We’re Hearing 1) Banks are backing off from new deposits while consumers are still interested 2) Mirroring the broad decline in new loan...

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May 30, 2020

Four Things We’re Hearing. 1) Credit card acquisition marketing (unsurprisingly) plummeted in April 2) As did marketing for Personal Loans...

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May 23, 2020

Three Things We’re Hearing. 1) Credit card spending is rebounding from a late March dive. 2) Acquisition marketing for consumer financial products...

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May 16, 2020

Four Things We’re Hearing: 1) 64% of consumers are using digital banking services more than pre-pandemic 2) Two thirds of colleges are currently planning to...

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May 9, 2020

Four Things We’re Hearing: 1) Consumers have shifted credit card rewards preferences away from travel rewards and towards cash back on non-travel categories such as...

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May 2, 2020

Four Things We’re Hearing: 1) Lending Executives are cautious, but optimistic 2) Demand for lending products has rebounded slightly, but is still below prior trends...

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