whitepaper
Turn payment pressure into your strategic advantage
Four forces are reshaping how card programs compete: shrinking interchange, rising cardholder expectations, fintech disruption and the arrival of agentic commerce. This Datos Insights white paper, sponsored by FIS®, shows you where the pressure is building and how to act before it's too late.
Pressure From All Sides: Card Programs Must Evolve or Risk Irrelevance
Access the paperWhy the rewards model needs to evolve now
Interchange alone can no longer fund cardholder value. See how the smartest issuers diversify funding, close redemption gaps and prepare for AI-driven commerce.
- Scale tilts to the top five The five largest U.S. issuers now control more than 70% of credit card purchase volume, leaving regional banks to defend share with sharper, more relevant value.
- Rewards that go unused Nearly 23% of rewards cardholders redeemed zero rewards last year. When earning and redeeming feel disconnected, loyalty erodes and switching becomes easier.
- A $200 billion funding shift U.S. CPG trade promotion totals roughly $200 billion a year, largely untapped by card programs. Brand-funded rewards can sustain value as interchange tightens.
- Get ready for AI agents Agentic commerce could reach $1 trillion in U.S. B2C revenue by 2030. The infrastructure choices you make now decide whether agents select your card.
ESC
ESC
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