Cash

2026 Diary of Consumer Payment Choice reveals stable consumer preferences amid technological change

Federal Reserve Financial Services recently released the 2026 Diary of Consumer Payment Choice, an annual study of U.S. consumers’ payment habits. The findings show that U.S. consumers’ use of payment methods has remained stable amid technological change and other activity in the payments ecosystem.

Fraud Mitigation

From simple scams to sophisticated multichannel attacks: The evolution of phishing, spoofing and impersonation

Phishing is a fraudulent attempt to obtain sensitive information by impersonating a trusted source through deceptive messaging. It has been a persistent threat to financial institutions for decades, but the nature of these attacks has changed dramatically.

Industry Perspective

Harnessing the power of ISO^® 20022: How harmonized data requirements are enhancing payments

ISO 20022 is the international financial messaging standard bringing richer and better-structured data to financial transactions. Its global adoption by payment market infrastructures and financial institutions, including in the U.S., represents a significant opportunity for enhanced payment efficiency and increased global interoperability.

Risk Management

How financial institutions can prepare for natural disasters

Natural disasters and severe weather events can strike with little warning, threatening the continuity of essential financial services that communities depend on. A well-executed contingency response protects both the institution and customers who depend on it.

2026 Diary of Consumer Payment Choice reveals stable consumer preferences amid technological change

From simple scams to sophisticated multichannel attacks: The evolution of phishing, spoofing and impersonation

Harnessing the power of ISO® 20022: How harmonized data requirements are enhancing payments

How financial institutions can prepare for natural disasters

Harnessing the power of ISO^® 20022: How harmonized data requirements are enhancing payments