Arbitria Quum Notitia (AQN) n. – Decisions with Data; from the Latin phrase: “using information to decide”

Posts by Matt Costa

Changing Consumer Spend-Mix Continues to Disrupt Issuers, Merchants

Last spring, AQN’s Caio Mattos wrote a piece discussing the hidden impacts of COVID-19 on credit card issuers. While the most obvious and potentially largest concern issuers face is when and how losses may increase, shifts in spend have already impacted interchange revenue.

Matt CostaFebruary 11, 2021

Navigating the Rise of Point-of-Sale Finance

POS lending has been a recurring hot topic for several years now and is heating up again as lenders and merchants prepare to reorient their businesses in light of the economic impacts of COVID-19.

Matt CostaSeptember 22, 2020