Mastercard aims to simplify integration for virtual cards
In this report, we explore Mastercard's recent commercial payment announcements in more detail and evaluate how they fit in with its broader commercial payments strategy.
Biography
McKayla Wooldridge is a research analyst on the 451 Research Fintech team within S&P Global Market Intelligence. Her coverage focuses on trends and technologies impacting the fintech ecosystem and implications for stakeholders and the customer experience. Her research spans B2B payments, banking as a service, and bank and fintech partnership dynamics. Before joining the 451 Research technology research group as an analyst, McKayla worked as a business intelligence advisor at S&P Global Market Intelligence, where she helped community banks and credit unions leverage the SNL Banker data warehouse for a variety of business applications. McKayla holds a Bachelor of Science degree in economics and applied geographic information systems from James Madison University.
Recent Research from McKayla Wooldridge
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Capital One aims to become corporate card powerhouse with $5.15B Brex buy
The deal strengthens Capital One's position in the roughly $1 trillion business card market and underscores its ambitions to become the largest US card issuer. For Brex, the transaction provides access to Capital One's substantial balance sheet.
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Survey Data Hub – US Bank Outlook Survey, Q3 2025
This survey tracks the state of US banks, lending, credit quality, deposits and the overall economy. Data points from the S&P Global Market Intelligence US Bank Outlook Survey include average deposit rates for a variety of financial products, credit quality and the overall economy.
The online survey of 105 US commercial banks and thrifts was conducted Sept. 2 to Oct. 7, 2025. The margin of error for top-line statistics is +/- 9 points at the 95% confidence level.
Reports
Bankers expect deposit competition to rise over the next 6 months (Spotlight)
The majority of US bankers anticipate competition for deposits to intensify over the next six months, according to S&P Global Market Intelligence's third-quarter 2025 US Bank Outlook Survey. Many US banks reduced deposit costs and improved their net interest margins in the third quarter as the Federal Reserve cut interest rates for the second time this year.
Bankers expect tempered loan growth amid mixed economic outlook (Spotlight)
US bankers expect tepid loan growth over the next year because of labor market wobbles, the impact of tariff policies taking hold and doubts on the underlying strength of the economy as inflation moves further away from the Federal Reserve's 2% target.
Data files
Crosstabs (Excel tables | Download link in sidebar to the right) – Crosstabs of complete worldwide and regional survey results datasets, including key metrics and segmentation.
Charts and Figures (PowerPoint charts | Navigate charts in sidebar to the left | Download link in sidebar to the right) – PowerPoint slide deck of complete top-line survey results in charts and figures.
Data Insights Deck (PowerPoint charts | Coming soon) – PowerPoint slide deck of advanced charts supporting deeper analysis and insight.
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2026 Trends in Fintech
The past fintech cycle was about speed, convenience and access; the next will be about reinvention at the system level. Stablecoins and agentic AI sit at the heart of this transformation — not as features, but as new foundations. Together, they represent a re-platforming of financial services itself, replacing legacy rails and processes with programmable, intelligent infrastructure.
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Agentic AI: The next era of artificial intelligence in accounts receivable
The accounts receivable market is undergoing a significant transformation driven by AI. Previously labor-intensive AR processes are becoming increasingly automated, data-driven and predictive. We explore emerging agentic AI use cases in AR and highlight how organizations are leveraging AI.
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Next in Tech Podcast: Money 20/20
One of the biggest recurring banking and payments conferences, Money 20/20, has wrapped up, and the enthusiasm for all things stablecoin has continued. Jordan McKee, Sampath Sharma and McKayla Wooldridge return to discuss how this is evolving with host Eric Hanselman.
More research from McKayla Wooldridge
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