The report analyzes where card issuers are focusing their next wave of investments, specifically looking at the timing of platform upgrades and the capability roadmap for the next 12 months. It also examines AI priorities related to risk management and growth strategies.
The study is based on a survey of 500 payment leaders from U.S. bank and nonbank card issuers. The data includes year-over-year comparisons with a previous survey that involved 451 executives.
The research was conducted between December 16, 2025, and January 14, 2026. It highlights how investment priorities differ depending on the customer segment, such as the need for deeper personalization in premium card programs versus scam alerts in mainstream portfolios.
