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Velera Payments Index, which explores evidence of shifting consumer behaviors during economically uncertain times.

Velera Payments Index: Are Consumers Spending Ahead of ‘Rainy Days’?

"We're seeing a shift toward essential purchases, cautious discretionary spending and early stockpiling — especially among younger consumers..."

Roy Urrico

Aug 205 min read

The data also showed higher annual fees linked to higher overall satisfaction, regardless of the fee amount...

J.D. Power Finds Cardholders’ Satisfaction Connected to Financial Health

Financially healthy credit card holders are much more satisfied than those who are less fiscally sound.

Roy Urrico

Aug 154 min read

Consumer spending stayed sluggish in June 2025,

Velera Payments Report: Sluggish Consumer Spending Slows Credit and Debit Growth

"We're starting to see a shift in how households manage day-to-day spending..."

Roy Urrico

Jul 233 min read

Debit outpaced credit in both purchases and transactionss

Growth Pace Slows but Consumer Spending Stays Positive

"Rewards and loyalty programs are most effective when they reflect the real behaviors and preferences of members."

Roy Urrico

Jun 203 min read

Where are U.S. citizens facing the greatest difficulties managing debt?

Debt Delinquencies’ Impact on Certain States and Individuals

“Being delinquent on debt can lead to fees, credit score damage, increased interest rates and other negative repercussions..."

Roy Urrico

Jun 183 min read

Positive consumer purchasing behavior persisted with increased growth in debit activity and sustained growth in credit activity, according to the May edition of the Velera Payments Index.

Growth in Credit and Debit Activity Pushes Consumer Purchasing Behavior Per Velera Payments Report

"Consumer goods categories led the push, possibly signifying increased purchasing ahead of anticipated tariff impacts, indicated the report, which also featured a deep dive into digital payments."

Roy Urrico

Jun 44 min read

The report also found millennials and Gen Z are using more of their available credit each month than older generations.

How Generational Use is Reshaping Consumer Credit

By Roy Urrico Finopotamus aims to highlight white papers, surveys, blogs and reports that provide a glimpse as to what is taking place...

Roy Urrico

May 143 min read

Support for credit unions helping members build their credit profiles.

Bloom Credit Wants to Help Grow Member Credit Profiles

"Banks and credit unions want to help their customers to build better financial health."

Roy Urrico

Apr 116 min read

A roundup of a trio of financial reports.

Nacha Top 50, Small Business Sales Up and Consumer Confidence Down in Report Roundup

By Roy Urrico Finopotamus aims to highlight white papers, surveys, blogs and reports that provide a glimpse as to what is taking place...

Roy Urrico

Apr 45 min read

i2c Helps Issue Mastercard One Credential for Members

By Roy Urrico Mastercard recently announced One Credential, a single digitally connected option that gives consumers multiple ways to...

Roy Urrico

Mar 214 min read

While growth in purchasing activity remained positive, February year-over-year results softened for both credit and debit transactions. These are among the findings in the March 2025 edition of the Velera Payments Index.

Credit and Debit Activity Soften in February Per Velera Payments Report

By Roy Urrico Consumer sentiment started weakening in February 2025 over concerns of anticipated inflation increases. While growth in...

Roy Urrico

Mar 194 min read

Financial service providers could receive blowback because of fraud committed on merchant sites.

Are Merchant Portfolios Putting FIs at Risk?

“FIs face repercussions from regulators and card networks for the violative activity of merchants in their portfolios."

Roy Urrico

Feb 284 min read

Instant Payments Adoption Hits a FI Speed Bump

What is the a disconnect in instant payments for financial institutions that prevents them from delivering value to customer

Roy Urrico

Feb 74 min read

Velera Payments Report Shows Consumer Spending Stayed Strong During 2024 Holiday Shopping Season

Velera Payments Index to help credit unions and other financial institutions make strategic, data-informed decisions.

Roy Urrico

Feb 55 min read

Fiserv Small Business Index: Retail and Services Lead as Small Business Finishes 2024 on Upswing

A three-point increase for December is continued growth and a positive sign for small business owners.

Roy Urrico

Jan 173 min read

Velera Consultants Forecast 2025 Credit Union Payment Trends

Velera offers a look at payment trends.

Roy Urrico

Jan 155 min read

Experian Reports on State of Credit Cards

The study offers key insights to help tackle challenges and uncover opportunities for growth.

Roy Urrico

Dec 13, 20244 min read

Velera Payments Report Shows Increases in Debit and Credit Spending as Holiday Shopping Begins

Growth in consumer card spending improved in October.

Roy Urrico

Nov 22, 20244 min read

Velera ‘Eye on Payments’ Study Shows Preferences Evolving Toward Convenience and Flexibility

This research study explores the factors influencing consumers when it comes to choice and usage of different payment methods.

Roy Urrico

Oct 30, 20246 min read

Fiserv Small Business Index Holds Steady in August

Gauging small business activity.

Roy Urrico

Sep 4, 20243 min read