MONTHLY INDUSTRY INSIGHTS

What we're seeing and hearing in the consumer lending marketplace.

BY JIM STEWART

Fintechs Dominate Personal Loans!

Three Things We’re Hearing 1.) Fintechs dominate personal loans 2.) Consumers respond to higher interest rates 3.) Direct mail volume higher than pre-pandemic levels

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Mega Mailers v. Regional Banks

Three Things We’re Hearing 1.) Consumers prefer to have most banking products with one bank 2.) Mega mailers leave growth opportunity for regional banks 3.)...

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What’s Behind that Paper Shortage?

Four Things We’re Hearing 1.) Online savings accounts awaken 2.) Card originations reach decade high 3.) Credit card portfolios are healthy 4.) Marketing spending at...

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Credit Card Demand Grows!

Three Things We’re Hearing: 1) BNPL asset quality watch 2) Home equity and personal loan marketing soars 3) Consumer interest for cards and HELOCs grows

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Digital Marketing Skyrockets!

Three Things We’re Hearing: 1) Comparison sites drive fintech growths 2) Consumers love Visa and Mastercard 3) Digital marketing soars

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Explosive Neobank Growth!

Three Things We’re Hearing: 1) Neobank growth surge 2) Ease of use drives neobank popularity 3) Highest credit card mail volume in years

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New Card Products Flood Market

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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BNPL-ooza!

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

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Overdraft Fees Get an Overhaul

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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Ed Refi, Poised for Growth!

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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Anything Hotter than BNPL?

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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Credit Card Competition Heats Up

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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Digital Banking Trends

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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One Year Later…

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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HELOC Poised for Growth

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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Why Delinquencies are Still Low

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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Big Card Opportunity for Retail Banks!

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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Aggregator Sites Thrive

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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Signs of Life for Travel Cards

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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American Express Sets the Pace!

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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Point of Sale Lending is Growing

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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Credit Card Mail Volume Recovering

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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A Look at USPS Delivery Trends

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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Optimism for Q4?

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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Delinquency Ticking Up?

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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Three Things We’re Hearing

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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Three Things We’re Hearing

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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Three Things We’re Hearing

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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Five Things We’re Hearing

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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Four Things We’re Hearing

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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Three Things We’re Hearing

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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Four Things We’re Hearing

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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Four Things We’re Hearing

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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Four Things We’re Hearing

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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Four Things We’re Hearing

Four Things We’re Hearing: 1) Loan asset quality is deteriorating rapidly, 2) Consumers are contacting lenders for help with payments, 3) Capital markets based fintechs...

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