PULSE Perspectives – December 2025
In this issue: hurdles to faster-payments adoption, the fight against holiday gift-card fraud, and expanding Pay by Bank options.
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Payments & You
Helping you make sense of the payments landscape, reduce fraud, and grow your profitability.
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Faster Payments: What Debit Issuers Need to Know
As financial institutions consider adding real-time payment services, it is important to know the differences between the options and the critical attributes to consider.
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Top Takeaways from a Year of Data
Webinar reports on strategic priorities and offers data-driven perspectives for debit issuers.
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2025 Debit Issuer Study: 20 Years of Growth, Transformation, and Opportunity
Marking its 20th edition, the 2025 Debit Issuer Study reports on debit’s progress, growth, and resilience amid evolving risks.
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Looking to Grow Debit Volume? Consider Virtual Cards
Should your institution offer virtual cards? Learn how and why issuers are deploying them and what benefits they offer account holders.
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Extraco Banks®: A Decade of Success with Discover® Debit
A Texas bank increased interchange revenue, reduced costs, and enhanced the customer experience by switching to Discover Debit.
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Banking on Gen Z: Loyalty Strategies from a Top Financial Commentator
Financial commentator and Gen Z expert Kyla Scanlon discusses how financial institutions can build authentic connections with this influential consumer base.
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The Enduring Role of ATMs in a Digital-First World
In an era dominated by digital transactions and fintech innovations, Automated Teller Machines (ATMs) continue to play a pivotal role in the financial ecosystem.
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Download the 2025 Debit Issuer Study for the latest data and debit-program insights
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Texas Bank Boosts Performance, Profits with Discover® Debit
Learn how Extraco Banks reduced fees and increased profits by switching its debit card brand to Discover, and why the bank takes a debit-first approach.
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Want to Level Up Your Debit Program? Watch Our Webinar
PULSE’s Steve Sievert shares tips for elevating your debit performance by addressing key areas of your program systematically and strategically.
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Webinar Reveals Stunning Levels of Sophistication Among Fraudsters
A payments fraud expert reveals how fraudsters conduct large-scale attacks, and how financial institutions can fight back.
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In Fighting Fraud, Reducing Losses is Only Half the Battle
Fraud attempts are varied and complex. Your efforts to prevent them should be too, taking into account more than just minimizing losses.
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The Secret of Debit's Success? Adapting to Changes
Consumers continue to choose debit, even as new payment channels emerge. View the infographic to see why.
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3 Strategies to Make Your Debit Program Best-in-Class
Issuers can elevate their debit program performance by applying best practices and employing effective marketing tactics to reinforce their efforts. Learn how.
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PULSE Perspectives – November 2024
PULSE offers its perspective on news, analysis, and research in payments and banking. In this issue: P2P providers clarify payment rules.
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Top 5 Findings from the 2024 Debit Issuer Study
Five key data points illustrate improvements in issuers’ debit-program performance and the continuing digital evolution of debit.
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2024 Debit Issuer Study: Amid Continued Growth, Changing Debit Dynamics Emerge
This year’s study details debit’s core strengths, digital demand, emerging challenges, and issuers’ priorities and outlook.
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Issuers Strengthen Debit Program Performance, Confront Challenges
Issuers are experiencing debit growth and strong program performance, while confronting the challenges of ongoing fraud threats and pending regulations.
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Banking Strategy: Thrive Amid “Explosive” Challenges
David Schiff of West Monroe explains why data is a key success factor in banking and payments performance in the current environment.
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Discover® Debit: Three Reasons One Bank Made the Switch
In this video, Misti Mostiller of Extraco Banks explains what was behind the bank’s decision to switch debit card brands.
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