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Insights

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.

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Blog

March 5th 2024

Ecommerce Battlegrounds: Fortifying Your Online Revenue Against Fraudulent Refunds and Chargebacks

In an era where digital transactions form the backbone of global commerce, protecting online revenues against online fraud is more important than ever. The latest data from the Nilson report reveals a concerning trend: the U.S., despite making up only a quarter of global card volume, accounted for nearly half of the world’s total card fraud losses in 2022, amounting to a staggering $13.61 billion in lost revenue. 1

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Blog

March 4th 2024

Cutting Costs, Not Corners: The 2024 Guide to Least Cost Routing for Aussies

In today’s economy, Australian businesses are keenly aware that every dollar counts, and efficiency is king. In payments, the spotlight is shining bright on least cost routing (LCR) as a mechanism for businesses to lower payments costs without compromising on customer experience. With LCR expanding to both online and mobile wallet transactions this year, what should be top of merchants’ minds?

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Blog

February 21st 2024

4 Essential Steps for a Winning Tokenization Strategy

Maybe your processor has approached you with their latest token solution, or your finance team has heard about the potential interchange fee discounts?1 Perhaps you’re even re-vamping your card processing setup and your old strategy doesn’t work anymore. Whatever the reason, tokenization is on the brain, and there are four things you should consider before making a change.

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News

February 15th 2024

CMSPI Appoints President Elley Frost as CEO

Leading global payments consultancy CMSPI has appointed tenured President Elley Frost CEO effective May 1, 2024. Elley assumes the role after twenty years with the company where she began as an analyst working her way up through the business to Managing Director and later to President and Head of North America.

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Blog

January 18th 2024

Payments in 2024: The Outlook from Industry Experts

In its December 2023 Townhall,1 CMSPI asked industry experts Holly Tjaden, U.S. Payments Manager for McDonald’s, and Lorin Young, Global Payments Manager at Columbia Sportswear, to unpack the challenges and triumphs of the last year in payments. But what’s next? From Artificial Intelligence to the familiar ‘soft landing’, here’s what payments managers are looking out for in 2024.

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Blog

January 16th 2024

A Land of Innovation, but How Competitive is the Payments Industry? Part 2: The $161 billion question

Why are card fees so high (and ever-growing) and payment companies so profitable? And what are the options for merchants? In this blog, we will analyze market dynamics in the credit card payment industry and outline three options for merchants looking to tackle the problem.

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Blog

December 19th 2023

Late to the Game or First to the Party? How Omnichannel Retailers Can Compete on Payments this Season

Merchants are gearing up for another strong year of e-commerce sales growth in the final shopping days of the 2023 holiday season – signaling a potential turning point for traditional brick and mortar merchants.

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Blog

December 13th 2023

UK Payments Regulator Proposes Reduction in Cross-Border Card Fees

The UK Payment Systems Regulator (PSR) has proposed to reintroduce a cap on cross-border interchange fees levied on transactions between the UK and the EU, following an investigation launched in June 2022.

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Blog

December 13th 2023

Making Data Deliver – A Deep Dive on BIN Data for Debit Routing Optimization

BIN-level analysis is one of the keys to developing actionable data-driven insights that can be used to reduce costs, drive competition, and optimize routing strategy. Read here how CMSPI approaches some of its optimization strategies with BIN-level analysis across a variety of use cases.

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Blog

November 21st 2023

Unwrapping Card Fees This Holiday Season

Card fees are reaching near-record highs this holiday season. Read here to see how much retailers will pay this holiday season.

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Blog

November 21st 2023

CMSPI Launches Insights Advisory Council with Merchant Payments Leaders

The Insights Advisory Council will provide direction to the CMSPI team on strategic industry reports, research prioritization, and prospective partner content.

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Blog

November 16th 2023

How Much Interchange was Paid on Sales Tax in the U.S.?

CMSPI estimates that U.S. merchants paid nearly $8 billion in interchange on sales tax, gasoline and diesel excise taxes, and alcohol excise taxes. Read below to see how the impact differed by state.

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