Cheryl Winokur Munk
- Indexed articles, last 90 days
- 9
- Latest publication
- Sep 28, 2026
- Outlet visibility, for yahoo.com
- Top 1K sites
- Earliest in this view
- Jul 24, 2026
Latest articles
How community banks can respond to large bank credit cards (opens the original)
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For large banks, offering a credit card or even multiple cards is table stakes. But the analysis isn't as clear for community banks. There are, however, options for smaller institutions to tap the market. Banks can directly issue and manage a credit card program, or they can do so through an agent bank program such as Elan Financial Services, the private label brand of U.S. Bank, ServisFirst Bank, or TCM Bank, a subsidiary of ICBA Payments. Banks need to think through the business case and the v
Takeaways for banks from Walmart's about-face on Apple and Google wallets (opens the original)
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There is a broader urgency around immediate fund availability in consumers' day-to-day financial lives. Walmart's change of heart regarding Apple Pay and Google Pay acceptance is a major coup for mobile wallets. For banks, it's also a wake-up call. Recent research from payments software company Nuvei found that 57% of respondents feel meaningful differences between payment methods and expect to find the one they prefer waiting for them. Mobile wallets are one of those payment methods, with more
The high-end card changes that are challenging banks (opens the original)
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Key insight: Costs and retention are challenging banks that are competing in the high-end card market. What's at stake: Several financial institutions, including American Express, Barclays, Citi, and JPMorganChase, target the upper end of this luxury market, while others like Capital One and U.S. Bank offer high-end cards with somewhat lower annual fees. Forward look: Payment consultants suggest banks make it easier to access membership benefits as a retention play. The high-end credit card mark
Banks, credit cards fall out of favor for bill pay (opens the original)
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Debit cards and biller sites have become popular for bill payment, creating competitive risk for banks. The 2026 ACI Speedpay Pulse Report shows that the use of debit cards for bill pay has risen meaningfully since the pandemic, roughly 10 basis points, while credit card usage has barely budged over the same stretch. Notably, consumers' use of debit cards climbed to a high of 52.7% in 2025. That compares to 41.3% for credit cards last year, according to the report. This data suggests debit is be
How Google and Apple's youth plays are pressuring banks (opens the original)
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Google's latest effort to attract younger consumers should be a wake-up call for banks to pay closer attention to the next generation, according to payment professionals. Google recently announced it was launching a new Google Wallet tool that gives parents a safe, easy way to manage their children's money, similar to Apple Cash Family, which has been popular with families for several years. "It's a practical way to teach children smart money habits and give them independence, all without needin
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Top 1K sites
For yahoo.com, the outlet · Measured Aug 1, 2026
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