Our Insights Team produce industry leading research, data analysis,
and strategies that help positively shape the payments industry.
Explore blogs, thought-leadership content, infographics,
and videos on best practices, trends, challenges,
and the future of payments.

Blog June 7th 2023

Credit Card Competition Act Could Result in Annual Savings Upward of $16.4 Billion

CMSPI estimates pro-competitive policies on U.S. debit have saved merchants and consumers billions.

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Blog August 30th 2023

Estimates Show Upcoming Card Fee Hikes Could Cost U.S. Retailers Over $500 Million

Here, we break down the key changes that merchants need to prepare for in October 2023.

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Blog June 17th 2020

101: An Introduction to Online Routing + PINless Transactions

As the world continues to digitize, retailers are increasingly focusing on their ecommerce offer as the growth in online transactions accelerates.
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Blog June 24th 2021

CMSPI’s Quick & Easy Guide to Tokenization

For merchants, tokenization is the key to improved customer experience, data protection, online transaction security, compliance, and overall business growth.

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Blog November 22nd 2022

False Declines, Outages, Fraud: Avoiding a Payments Storm This Peak Season

To wrap up our short 3-part fraud series, CMSPI reviews how merchants can avoid a trio of payments nightmares this holiday season.

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Blog July 21st 2023

Rewards Margins are High Enough to Withstand Competition

With the recent introduction of the Credit Card Competition Act, there’s hope that the credit card market may experience a well-deserved injection of competition. With this new competition, CMSPI estimates that credit card rewards are unlikely to disappear based on current issuer margins on rewards and experience from other markets.

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Get in touch

Elizabeth Garner Divelbiss

SVP, Strategic Partnerships & Insights

Austin, TX

Liz and her team foster collaboration between all areas of retail payments.

Callum Godwin

Chief Economist

Atlanta, GA

Callum manages a team of Economists and keeps CMSPI at the forefront of payments.

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