Stewart Watterson

Feb 28, 2024 | datos-insights.com | Tari Schreider |Stewart Watterson

Cyber resiliency is the bedrock of an organization’s ability to withstand cyberattacks. A CISO’s role is pivotal in crafting and implementing effective cyber resiliency programs. In its recent Executive Summary Report, Datos Insights delves into the principles behind developing a robust cyber resiliency strategy. Some key findings of the report include: Organizations confuse cyber resiliency with cybersecurity: Cybersecurity is focused on detecting and preventing cyberattacks.

Feb 23, 2024 | datos-insights.com | Thad Peterson |Stewart Watterson |Robin LoGiudice

The big news this week in payments is Capital One’s possible acquisition of Discover. It’s a potential game-changer; whether or not it’s approved, it’s going to impact the evolution of the space going forward. Datos Insights has received many questions from our clients about this announcement, so we polled analysts from our different teams to get their thoughts and insights.

Feb 22, 2024 | datos-insights.com | Stewart Watterson |Robin LoGiudice |Stephanie Dalwin

A potential merger between two of the largest credit card entities in the U.S. market is big news. This merger would result in a new fourth-largest U.S. issuer. But don’t let the true headline get buried: it may hint at a transformative shift. Should the deal make it through the regulators and courts, the resulting entity would not be a first. Consider American Express, which began issuing commercial charge cards (not credit cards) in 1958.

Oct 11, 2023 | datos-insights.com | David Albertazzi |Ariana-Michele Moore |Stewart Watterson |Aisha Chandraker

The Retail Banking and Payments practice provides clients with ongoing insights focused on the business, technology, and regulatory challenges impacting consumer banking services and retail payments of all kinds. The practice serves a wide range of market participants, including global universal banks, community banks, credit unions, alternative financial services providers, card processors and network providers, merchants, technology vendors, and professional services firms.

Aug 3, 2023 | datos-insights.com | Stewart Watterson |Tari Schreider

Over the past year, consumers have witnessed a significant shift in the availability and cost of credit, primarily due to the Federal Reserve’s regime of interest rate increases. This policy has caused the cost of borrowing to rise substantially, moving from virtually zero to a significant expense. The consequences of this policy regime have had unintended and largely unforeseen effects, resulting in the collapse of several banks and the merger of others.