{Discover Personal Loans] You might have noticed you’re paying more these days for groceries, gas, clothes, and other things. You might also be hearing about interest rates, mortgage rates, and the Federal Reserve. What do these have in common, and what is the impact...
[Discover Personal Loans] You may be hearing a lot about the Federal Reserve these days. Often simply called “the Fed,” the Federal Reserve System is the central bank of the United States. Among other functions, the Fed supervises and regulates financial institutions,...
[Discover Personal Loans] Your credit history is the primary source of information for lenders about your financial past and present. Some people have a long credit history. Others have a short credit history. And some people have no credit history at all. As the name...
[Discover Personal Loans] Your credit score tells lenders about your creditworthiness—or how likely you are to pay your bills on time. That’s why lenders weigh your credit score along with other factors as they decide whether to approve you for a loan or credit card,...
[Discover Personal Loans] Your credit history is one of the most important pieces of information in your financial life. Your credit report is a snapshot of your credit history. Understanding your credit report may help you both protect and improve your financial...
[Discover Global Network] Universities across the globe have confronted the need like never before to enhance their payment and digital capabilities. The world of higher education and its communities, hit by new restrictions over the past year, were suddenly prompted...
[Discover Global Network] Social trends change what we wear—and now increasingly the way we pay. With consumers’ preference for everything contact-free, wearable payment technology is finding new momentum. Driven in part by the impact of the COVID-19 pandemic, the...
[Discover Global Network] While 2020 was a difficult year, foretelling what 2021 will bring might be even tougher. The COVID-19 pandemic affected the entire payments ecosystem—from merchants rushing online to consumers shopping remotely for groceries, clothes and even...
[Discover Global Network] This year’s holiday shopping season is likely to be very similar to the year itself: suddenly and unexpectedly unlike anything that anyone has ever experienced. The rise of the COVID-19 pandemic has led to shops closing, consumers staying...
[Discover Global Network] Europe has long spearheaded change for much of the payments industry. From instituting tighter interchange rules to accelerating cross-border payments to implementing new customer data protections, regulators in the EU have set the pace for...
[Discover Global Network] Super apps, which combine payment, social media, merchant, loyalty programs and more under a single umbrella, are booming. Since 2011, when Tencent in China launched what is today known as WeChat, these integrated mobile apps have attracted...
[Discover Global Network] The long-term impact of the coronavirus pandemic has yet to be determined, but the immediate turmoil confronting the merchant community as a whole is already here. With the rapid spread of the virus, giant retailers, including Apple, Nike,...
[Discover Global Networks] The push for customer-centrism was born decades ago when shoppers entered a store and merchants planned their products and services around that personal engagement. Clearly, the shopping experience has evolved since then—and the challenge...
[Discover Global Network] The long-term impact of the coronavirus pandemic has yet to be determined, but the immediate turmoil confronting the merchant community as a whole is already here. With the rapid spread of the virus, giant retailers, including Apple,...
[Discover Global Network] As fast as technology is changing, so is the impact of today’s young consumers. Generation Z—those folks born since 1996—is reshaping consumer expectations and payment trends in ways that are becoming increasingly apparent. The eventual...
[Discover Global Network] Top analysts in the payments industry are expecting a year of big changes ahead with shifts in the international landscape, the impact of new technology and advances in rapid payment methods. The effect of each of these trends is expected to...