Payments & You

Understand the payments landscape, reduce fraud, and grow profitability with key insights on debit and payments.

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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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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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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Three Payment Trends to Watch

Tony Hayes of Banking and Payments Group shares insights on debit growth and regulation in payments, among other topics.

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