CINXE.COM

<!DOCTYPE html> <html class="ArticlePage" lang="en" data-page-info="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"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=5"> <title>Visa slams DOJ on antitrust allegations | PaymentsSource | American Banker</title> <meta name="description" content="Visa posted a strong end to its fiscal year, but a Department of Justice antitrust lawsuit and a failed attempt at an interchange settlement with merchants loom over its fiscal 2025. "> <meta name="keywords" content="Visa,Earnings,Payments,Credit cards,PSO feature,PSO content"> <meta name="news_keywords" content="Visa,Earnings,Payments,Credit cards,PSO feature,PSO content"> <link rel="canonical" href="https://www.americanbanker.com/payments/news/visa-beats-forecasts-on-revenue-and-earnings"> <meta name="brightspot.contentId" content="00000192-da02-d066-a3d3-da72416d0001"> <meta property="og:title" content="Visa slams DOJ on antitrust allegations"> <meta property="og:url" content="https://www.americanbanker.com/payments/news/visa-beats-forecasts-on-revenue-and-earnings"> <meta property="og:image" content="https://arizent.brightspotcdn.com/dims4/default/4be8f9a/2147483647/strip/true/crop/3500x1838+0+248/resize/1200x630!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg"> <meta property="og:image:url" content="https://arizent.brightspotcdn.com/dims4/default/4be8f9a/2147483647/strip/true/crop/3500x1838+0+248/resize/1200x630!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg"> <meta property="og:image:width" content="1200"> <meta property="og:image:height" content="630"> <meta property="og:image:type" content="image/jpeg"> <meta property="og:image:alt" content="Stack of Visa cards"> <meta property="og:description" content="CEO Ryan McInerney said the case showed a "clear lack of understanding of the payments ecosystem" after the payment card processor posted better-than-expected earnings. "> <meta property="og:site_name" content="American Banker"> <meta property="og:type" content="article"> <meta property="article:author" content="https://www.americanbanker.com/author/joey-pizzolato"> <meta property="article:published_time" content="2024-10-29T23:15:00"> <meta property="article:modified_time" content="2024-10-30T16:31:29.339"> <meta property="article:tag" content="Visa"> <meta property="article:tag" content="Earnings"> <meta property="article:tag" content="Payments"> <meta property="article:tag" content="Credit cards"> <meta property="article:tag" content="PSO feature"> <meta property="article:tag" content="PSO content"><meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:creator" content="@joeypizzolato"/> <meta name="twitter:description" content="CEO Ryan McInerney said the case showed a "clear lack of understanding of the payments ecosystem" after the payment card processor posted better-than-expected earnings. "/> <meta name="twitter:image" content="https://arizent.brightspotcdn.com/dims4/default/d5b15f2/2147483647/strip/true/crop/3500x1969+0+183/resize/1200x675!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg"/> <meta name="twitter:image:alt" content="Stack of Visa cards"/> <meta name="twitter:site" content="amerbanker"/> <meta name="twitter:title" content="Visa slams DOJ on antitrust allegations"/><meta property="fb:app_id" content="4725977577498274"><meta name="sponsored" content="0"/> <style data-cssvarsponyfill="true">:root{--primaryColor1:#1969a0;--primaryColor2:#000;--primaryTextColor:#333;--secondaryTextColor:#666;--breakingColor:#ff6f00;--breakingTextColor:#fff;--secondaryColor1:#858585;--secondaryColor2:#ccc;--secondaryColor3:#e6e6e6;--secondaryColor4:#f5f5f5;--secondaryColor5:#fff;--secondaryColor6:#2e1764;--navItemColor:#bf9640;--subNavBgColor:#d8d8d8;--siteBgColor:#fff;--siteInverseBgColor:#000;--headerBgColor:#fff;--headerBgColorInverse:#fff;--headerBorderColor:#e6e6e6;--headerBorderColorInverse:#858585;--headerTextColor:#000;--headerTextColorInverse:#333;--headerMenuBgColor:#fff;--headerMenuTextColor:#333;--secondaryHeaderBgColor:#fff;--secondaryHeaderTextColor:#a0a0a0;--tertiaryHeaderTextColor:#737373;--footerBgColor:#000;--footerTextColor:#fff;--footerSecondaryTextColor:#999;--footerLinkColor:#666;--footerBorderColor:#333;--primaryTextColorInverse:#fff;--secondaryTextColorInverse:#ccc;--tertiaryTextColor:#999;--tertiaryTextColorInverse:#ccc;--listBorderColor:#e6e6e6;--gridBorderColor:#e6e6e6;--buttonBgColor:#1969a0;--buttonTextColor:#fff;--inverseButtonBgColor:#030202;--extraNavigationButtonColor1:#3c3c3c;--extraNavigationButtonTextColor1:#fff;--extraNavigationButtonColor2:#1969a0;--extraNavigationButtonTextColor2:#fff;--tagButtonBgColor:#e6e6e6;--tagButtonTextColor:#737373;--tagButtonInverseTextColor:#fff;--carouselBgColor:#f3f3f3;--sectionTextColor:#1969a0;--fontFamily:'Lato';--primaryHeadlineFont:var(--fontFamily);--secondaryHeadlineFont:var(--fontFamily);--bodyFont:var(--fontFamily);--liveBlogPrefixColor:#d0021b;--liveBlogPrefixFont:Lato;--liveBlogPrefixFontWeight:Bold;--liveBlogPrefixFontSize:40px;--liveBlogPrefixLineHeight:48px;--liveBlogPrefixLineHeight:48px}</style> <link rel="apple-touch-icon"sizes="180x180"href="/apple-touch-icon.png"><link rel="icon"type="image/png"href="/favicon-32x32.png"><link rel="icon"type="image/png"href="/favicon-16x16.png"> <link data-cssvarsponyfill="true" class="Webpack-css" rel="stylesheet" href="https://arizent.brightspotcdn.com/resource/00000192-05a5-d4ac-a1ba-e7edfc7a0000/All.min.bdaf254a64121a26939cf47ef60cb615.gz.css"> <style>.piano-box-subscribe{max-width:1200px;height:100%;responsive;margin:auto;padding-top:20px}.piano-box-subscribe-ICE{max-width:100%;height:100%;responsive;margin:auto}.test-stnd-premium-sub-box{max-width:100%;height:100%;responsive;margin:auto}.piano-box-subscribe-fiserv{max-width:1200px;height:100%;responsive;margin:auto;padding-top:20px}.sm-my-account{padding:20px 30px 0 30px}.piano-box-footer{position:fixed;bottom:0;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0}.piano-box-footer-my-account{position:relative;bottom:0;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0}.piano-box-left-btm{display:initial !important;position:fixed;left:0;bottom:0;z-index:1000}.BarList{z-index:5}.piano-box-header{position:relative;width:100vw;z-index:2;padding-top:0;top:250px;animation:mymove;animation-fill-mode:both;animation-duration:1s;animation-timing-function:linear}.piano-box-footer-slide-up{position:fixed;bottom:-100%;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0;animation:slideUp;animation-duration:1.5s;animation-timing-function:ease-out;animation-delay:5s;animation-fill-mode:forwards;box-shadow:0 -4px 8px 0 rgba(0,0,0,0.15)}@keyframes slideUp{from{bottom:-100%}to{bottom:0}}@keyframes slideDown{from{bottom:0}to{bottom:-450px}}@keyframes slideBackUp{from{bottom:-450px}to{bottom:0}}@media screen and (max-width:620px){@keyframes slideDown{from{bottom:0}to{bottom:-505px}}@keyframes slideBackUp{from{bottom:-505px}to{bottom:0}}}@media screen and (max-width:561px){@keyframes slideDown{from{bottom:0}to{bottom:-535px}}@keyframes slideBackUp{from{bottom:-535px}to{bottom:0}}}@media screen and (max-width:470px){@keyframes slideDown{from{bottom:0}to{bottom:-555px}}@keyframes slideBackUp{from{bottom:-555px}to{bottom:0}}}@media screen and (max-width:374px){@keyframes slideDown{from{bottom:0}to{bottom:-575px}}@keyframes slideBackUp{from{bottom:-575px}to{bottom:0}}}.piano-bottom-banner-slide-up{position:fixed;left:0;height:auto;width:100vw;z-index:1000;padding-bottom:0;animation:slideUp;animation-fill-mode:forwards;animation-delay:4s;animation-duration:.5s;animation-timing-function:linear}@keyframes mymove{from{top:-250px}to{top:0}}.piano-bottom-newsletter-slide-in{position:fixed;bottom:0;right:-750px;height:200px;width:750px;z-index:1000;padding-bottom:0;animation:slideInDesktop;animation-fill-mode:forwards;animation-delay:4s;animation-duration:1.5s;animation-timing-function:ease-in-out}@keyframes slideInDesktop{from{right:-750px}to{right:0}}@media only screen and (max-width:740px){.piano-bottom-newsletter-slide-in{width:300px;height:300px;right:-300px;animation:slideInMobile}}@keyframes slideInMobile{from{right:-300px}to{right:0}}.sticky_piano-box-header{position:sticky;left:0;height:auto;width:100vw;z-index:24;padding-top:0;top:125px}.right-rail-inline{padding-bottom:20px !important}@media only screen and (max-width:600px){.sm-my-account{padding:20px 15px 0 15px !important}}@media only screen and (min-width:980px){iframe[id*='piano-id-']{width:680px !important}.piano-id-modal-ver-{width:680px !important}}.tp-modal .tp-iframe-wrapper.piano-id-modal-ver-2 .tp-close.tp-active{border-left:none !important}.tp-modal .tp-iframe-wrapper.piano-id-modal-ver-2 .tp-close.tp-active:hover{border-left:none !important}.tp-iframe-wrapper .tp-close.tp-active{top:0 !important;right:0 !important;box-shadow:none !important;background-color:transparent !important;transform:scale(1.5) !important}.tp-iframe-wrapper .tp-close.tp-active:hover{box-shadow:none !important}.tp-iframe-wrapper .tp-close.tp-active:focus{border:none !important}</style> <style>.inline-gated{visibility:hidden;display:none}.inline-gate{position:relative}.inline-gate:before{content:"";position:absolute;bottom:100%;left:0;right:0;width:100%;height:100px;background-image:linear-gradient(to top,rgba(255,255,255,1) 0,rgba(255,255,255,1) 30%,rgba(255,255,255,0) 100%)}</style> <script type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","articleSection":"Article","creator":[{"@context":"http://schema.org","@type":"Person","articleSection":"Author","description":"Joey Pizzolato is a payments reporter at American Banker.","email":"joey.pizzolato@arizent.com","jobTitle":"Reporter, American Banker","name":"Joey Pizzolato","url":"https://www.americanbanker.com/author/joey-pizzolato"}],"dateCreated":"2024-10-29T23:15:00Z","dateModified":"2024-10-30T16:31:29.339Z","datePublished":"2024-10-29T23:15:00Z","headline":"Visa slams DOJ on antitrust allegations","image":{"@context":"http://schema.org","@type":"ImageObject","url":"https://arizent.brightspotcdn.com/04/8c/a1ceb94445c7807c5895f3637d56/305956635-1-12.jpg"},"keywords":["Visa","Earnings","Payments","Credit cards","PSO feature","PSO content","Gated"],"mainEntityOfPage":{"@type":"WebPage","@id":"https://www.americanbanker.com/payments/news/visa-beats-forecasts-on-revenue-and-earnings"},"author":[{"@context":"http://schema.org","@type":"Person","articleSection":"Author","description":"Joey Pizzolato is a payments reporter at American Banker.","email":"joey.pizzolato@arizent.com","jobTitle":"Reporter, American Banker","name":"Joey Pizzolato","url":"https://www.americanbanker.com/author/joey-pizzolato"}],"publisher":{"sameAs":[],"name":"American Banker","foundingDate":"","@type":"NewsMediaOrganization","logo":{"@type":"ImageObject","height":"40px","url":"https://arizent.brightspotcdn.com/e2/8c/2cdaea8b4bd3b94fb449bf8df308/americanbanker-brand-logo-black-no-padding.svg","@context":"http://schema.org"}},"description":"CEO Ryan McInerney said the case showed a \"clear lack of understanding of the payments ecosystem\" after the payment card processor posted better-than-expected earnings. ","thumbnailUrl":"https://arizent.brightspotcdn.com/04/8c/a1ceb94445c7807c5895f3637d56/305956635-1-12.jpg","url":"https://www.americanbanker.com/payments/news/visa-beats-forecasts-on-revenue-and-earnings"}</script><script id="polyfill_io" src="https://cdnjs.cloudflare.com/polyfill/v3/polyfill.min.js?features=AbortController,Array.from,Array.prototype.entries,Array.prototype.fill,Array.prototype.find,Array.prototype.findIndex,Array.prototype.flat,Array.prototype.includes,Array.prototype.keys,Array.prototype.sort,Array.prototype.values,ArrayBuffer,ArrayBuffer.isView,AudioContext,Blob,CharacterData.prototype.after,CharacterData.prototype.before,CharacterData.prototype.nextElementSibling,CharacterData.prototype.remove,CharacterData.prototype.replaceWith,console,console.error,console.info,console.log,console.warn,CustomEvent,DataView,document.currentScript,document.visibilityState,DocumentFragment,DocumentFragment.prototype.append,DocumentFragment.prototype.prepend,DOMRect,DOMTokenList,DOMTokenList.prototype.forEach,DOMTokenList.prototype.replace,Element.prototype.after,Element.prototype.animate,Element.prototype.append,Element.prototype.before,Element.prototype.classList,Element.prototype.closest,Element.prototype.matches,Element.prototype.prepend,Element.prototype.remove,Element.prototype.replaceWith,Element.prototype.scrollIntoView,es5,Event,EventSource,Function.prototype.name,globalThis,HTMLDocument,HTMLPictureElement,HTMLTemplateElement,Int32Array,IntersectionObserver,IntersectionObserverEntry,Intl,Intl.DateTimeFormat,Intl.ListFormat,Intl.Locale,Intl.NumberFormat,Intl.RelativeTimeFormat,location.origin,Map,Math.trunc,MutationObserver,Node.prototype.contains,Node.prototype.getRootNode,NodeList.prototype.forEach,Number.isNaN,Number.MAX_SAFE_INTEGER,Object.assign,Object.entries,Object.getOwnPropertySymbols,Object.is,Object.prototype.toString,Object.values,performance.now,Promise,Reflect,Reflect.getPrototypeOf,RegExp.prototype.flags,requestAnimationFrame,ResizeObserver,screen.orientation,Set,String.prototype.includes,String.prototype.normalize,String.prototype.padStart,String.prototype.startsWith,Symbol,Symbol.for,Symbol.iterator,Symbol.prototype.description,Symbol.toPrimitive,Symbol.toStringTag,TextDecoder,TextEncoder,Uint16Array,Uint32Array,Uint8Array,URL,URLSearchParams,WeakMap,WeakSet&flags=gated"></script> <script>'use strict';var FRONTEND_NOTIFICATIONS_ENABLED=true; function getSimpleBrowserReport(e){var r,n;switch(r={browser:{name:null,version:null},os:{name:null,version:null},screen:{colors:null,dppx:null,height:null,width:null},userAgent:e=e||navigator.userAgent,viewport:{height:null,layout:{height:null,width:null},width:null,zoom:null},websockets:null},(e.indexOf("Trident")>=0||e.indexOf("MSIE")>=0)&&(e.indexOf("Mobile")>=0?r.browser.name="IE Mobile":r.browser.name="Internet Explorer"),e.indexOf("Firefox")>=0&&-1===e.indexOf("Seamonkey")&&(e.indexOf("Android")>= 0?r.browser.name="Firefox for Android":r.browser.name="Firefox"),e.indexOf("Safari")>=0&&-1===e.indexOf("Chrome")&&-1===e.indexOf("Chromium")&&-1===e.indexOf("Android")&&(e.indexOf("CriOS")>=0?r.browser.name="Chrome for iOS":e.indexOf("FxiOS")>=0?r.browser.name="Firefox for iOS":r.browser.name="Safari"),e.indexOf("Chrome")>=0&&(e.match(/\bChrome\/[.0-9]* Mobile\b/)?e.match(/\bVersion\/\d+\.\d+\b/)||e.match(/\bwv\b/)?r.browser.name="WebView on Android":r.browser.name="Chrome for Android":r.browser.name= "Chrome"),e.indexOf("Android")>=0&&-1===e.indexOf("Chrome")&&-1===e.indexOf("Chromium")&&-1===e.indexOf("Trident")&&-1===e.indexOf("Firefox")&&(r.browser.name="Android Browser"),e.indexOf("Edge")>=0&&(r.browser.name="Edge"),e.indexOf("UCBrowser")>=0&&(r.browser.name="UC Browser for Android"),e.indexOf("SamsungBrowser")>=0&&(r.browser.name="Samsung Internet"),(e.indexOf("OPR")>=0||e.indexOf("Opera")>=0)&&(e.indexOf("Opera Mini")>=0?r.browser.name="Opera Mini":e.indexOf("Opera Mobi")>=0||e.indexOf("Opera Tablet")>= 0||e.indexOf("Mobile")>=0?r.browser.name="Opera Mobile":r.browser.name="Opera"),(e.indexOf("BB10")>=0||e.indexOf("PlayBook")>=0||e.indexOf("BlackBerry")>=0)&&(r.browser.name="BlackBerry"),e.indexOf("MQQBrowser")>=0&&(r.browser.name="QQ Browser"),n=null,r.browser.name){case "Chrome":case "Chrome for Android":case "WebView on Android":n=e.match(/Chrome\/((\d+\.)+\d+)/);break;case "Firefox":case "Firefox for Android":n=e.match(/Firefox\/((\d+\.)+\d+)/);break;case "Firefox for iOS":n=e.match(/FxiOS\/((\d+\.)+\d+)/); break;case "Edge":case "Internet Explorer":case "IE Mobile":e.indexOf("Edge")>=0?n=e.match(/Edge\/((\d+\.)+\d+)/):e.indexOf("rv:11")>=0?n=e.match(/rv:((\d+\.)+\d+)/):e.indexOf("MSIE")>=0&&(n=e.match(/MSIE ((\d+\.)+\d+)/));break;case "Safari":n=e.match(/Version\/((\d+\.)+\d+)/);break;case "Android Browser":n=e.match(/Android ((\d+\.)+\d+)/);break;case "UC Browser for Android":n=e.match(/UCBrowser\/((\d+\.)+\d+)/);break;case "Samsung Internet":n=e.match(/SamsungBrowser\/((\d+\.)+\d+)/);break;case "Opera Mini":n= e.match(/Opera Mini\/((\d+\.)+\d+)/);break;case "Opera":n=e.match(/OPR/)?e.match(/OPR\/((\d+\.)+\d+)/):e.match(/Version/)?e.match(/Version\/((\d+\.)+\d+)/):e.match(/Opera\/((\d+\.)+\d+)/);break;case "BlackBerry":n=e.match(/Version\/((\d+\.)+\d+)/);break;case "QQ Browser":n=e.match(/MQQBrowser\/((\d+\.)+\d+)/);break;default:n=e.match(/\/((\d+\.)+\d+)$/)}switch(n&&n[1]&&(r.browser.version=n[1]),r.viewport.width=window.innerWidth||document.documentElement.clientWidth,r.viewport.height=window.innerHeight|| document.documentElement.clientHeight,r.viewport.layout.width=document.documentElement.clientWidth,r.viewport.layout.height=document.documentElement.clientHeight,r.viewport.zoom=r.viewport.layout.width/r.viewport.width,e.indexOf("Windows")>=0&&(e.indexOf("Windows Phone")>=0?r.os.name="Windows Phone":r.os.name="Windows"),e.indexOf("OS X")>=0&&-1===e.indexOf("Android")&&(r.os.name="OS X"),e.indexOf("Linux")>=0&&(r.os.name="Linux"),e.indexOf("like Mac OS X")>=0&&(r.os.name="iOS"),(e.indexOf("Android")>= 0||e.indexOf("Adr")>=0)&&-1===e.indexOf("Windows Phone")&&(r.os.name="Android"),e.indexOf("BB10")>=0&&(r.os.name="BlackBerry"),e.indexOf("RIM Tablet OS")>=0&&(r.os.name="BlackBerry Tablet OS"),e.indexOf("BlackBerry")>=0&&(r.os.name="BlackBerryOS"),e.indexOf("CrOS")>=0&&(r.os.name="Chrome OS"),e.indexOf("KAIOS")>=0&&(r.os.name="KaiOS"),n=null,r.os.name){case "Windows":case "Windows Phone":if(e.indexOf("Win16")>=0)r.os.version="3.1.1";else if(e.indexOf("Windows CE")>=0)r.os.version="CE";else if(e.indexOf("Windows 95")>= 0)r.os.version="95";else if(e.indexOf("Windows 98")>=0)e.indexOf("Windows 98; Win 9x 4.90")>=0?r.os.version="Millennium Edition":r.os.version="98";else if((n=e.match(/Win(?:dows)?(?: Phone)?[ _]?(?:(?:NT|9x) )?((?:(\d+\.)*\d+)|XP|ME|CE)\b/))&&n[1])switch(n[1]){case "6.4":n[1]="10.0";break;case "6.3":n[1]="8.1";break;case "6.2":n[1]="8";break;case "6.1":n[1]="7";break;case "6.0":n[1]="Vista";break;case "5.2":n[1]="Server 2003";break;case "5.1":n[1]="XP";break;case "5.01":n[1]="2000 SP1";break;case "5.0":n[1]= "2000";break;case "4.0":n[1]="4.0"}break;case "OS X":n=e.match(/OS X ((\d+[._])+\d+)\b/);break;case "Linux":r.os.version=null;break;case "iOS":n=e.match(/OS ((\d+[._])+\d+) like Mac OS X/);break;case "Android":n=e.match(/(?:Android|Adr) (\d+([._]\d+)*)/);break;case "BlackBerry":case "BlackBerryOS":n=e.match(/Version\/((\d+\.)+\d+)/);break;case "BlackBerry Tablet OS":n=e.match(/RIM Tablet OS ((\d+\.)+\d+)/);break;case "Chrome OS":r.os.version=r.browser.version;break;case "KaiOS":n=e.match(/KAIOS\/(\d+(\.\d+)*)/); break;default:r.os.version=null}if(n&&n[1]&&(n[1]=n[1].replace(/_/g,"."),r.os.version=n[1]),"OS X"===r.os.name&&r.os.version){var i=r.os.version.split(".");if(i.length>=2){var o=parseInt(i[1],10);r.os.name=o<=7?"Mac OS X":o>=12?"macOS":"OS X"}}return r.screen.width=screen.width,r.screen.height=screen.height,r.screen.colors=screen.colorDepth,window.devicePixelRatio&&!isNaN(window.devicePixelRatio)?r.screen.dppx=window.devicePixelRatio:r.screen.dppx=1,r.websockets=!!window.WebSocket,r.lang=navigator.languages|| navigator.language,r.timestamp=(new Date).toString(),r}function printObject(e){return JSON.stringify(JSON.parse(JSON.stringify(e,Object.getOwnPropertyNames(e)))).replace(/\\'/g,"").replace(/\\n/g,"").replace(/'/g,"")}function detectAdblock(){return new window.Promise(function(t){var n=new window.Request("https://adblockanalytics.com",{method:"HEAD"});window.fetch(n).then(function(n){switch(n.status){case 200:case 301:t(!1);break;default:t(!0)}})["catch"](function(){t(!0)})})} function saveErrorOnServerIfAllowed(r){canSaveErrorOnServer()&&saveErrorOnServer(r)}function canSaveErrorOnServer(){return FRONTEND_NOTIFICATIONS_ENABLED} function saveErrorOnServer(e){var r=getSimpleBrowserReport();detectAdblock().then(function(a){var o=new window.FormData;o.append("humanReadableMessage",e.humanReadableMessage),o.append("serviceName",e.serviceName),e.error&&e.error.message&&o.append("rootCauseMessage",e.error.message),e.error&&o.append("stackTrace",e.error.stack?printObject(e.error.stack):printObject(e.error)),e.codeLocation&&o.append("codeLocation",e.codeLocation),o.append("pageUrl",window.location.href),o.append("usingAdBlock",a), o.append("browser","".concat(r.browser.name," ").concat(r.browser.version)),o.append("operatingSystem","".concat(r.os.name," ").concat(r.os.version)),r.adBlockingDetected=a,o.append("browserDetails",JSON.stringify(r,null,4)),window.fetch("/notification_servlet",{method:"POST",body:(new window.URLSearchParams(o)).toString()})})}function logError(r){window.console.error(r.humanReadableMessage,r),saveErrorOnServerIfAllowed(r)} window.bspLogger_runtimeScriptError=function(r,a){logError({humanReadableMessage:"Runtime JavaScript error occurred in internal '"+a+"' CMS backdoor script",serviceName:"Backdoor Java Script",codeLocation:"Internal Backdoor Java Script named: "+a,error:r})}; window.bspLogger_externalScriptError=function(r){logError({humanReadableMessage:"JavaScript error occurred, when loading external '"+r+"' CMS backdoor script",serviceName:"Backdoor Java Script",codeLocation:"External Backdoor Java Script named: "+r})};</script> <script>'use strict';var fontUrl;fontUrl="https://fonts.googleapis.com/css?family\x3d"+"Lato"+":300,300i,400,400i,700,700i,900,900i"+"\x26display\x3dswap";var link=document.createElement("link");link.setAttribute("href",fontUrl);var relList=link.relList;if(relList&&relList.supports("preload")){link.setAttribute("as","style");link.setAttribute("rel","preload");link.setAttribute("onload",'this.rel\x3d"stylesheet"');link.setAttribute("crossorigin","anonymous")}else link.setAttribute("rel","stylesheet");document.getElementsByTagName("head")[0].appendChild(link);</script> <script>'use strict';function unescapeHtml(html){return html.replace(/"/g,'"').replace(/'/g,"'").replace(/</g,"\x3c").replace(/>/g,"\x3e").replace(/&/g,"\x26")}window.resourceBaseUrl=unescapeHtml("https://arizent.brightspotcdn.com/resource/webpack/");</script> <script src="https://arizent.brightspotcdn.com/resource/00000192-05a5-d4ac-a1ba-e7edfc7a0000/All.min.74f96ed91e56d7db15ec1078af9e57c5.gz.js" async></script> <script src="https://ajax.googleapis.com/ajax/libs/jquery/3.4.1/jquery.min.js" onerror="window.bspLogger_externalScriptError('Google CDN Link')"></script> <script id="script_00000170-e9f4-de8a-ad78-edfc7d330000" data-name="Daily Email signup/modal_optin (Piano Legacy)">'use strict';try{(function(window){window.addEventListener("message",modalOptinHandler,false);window.tp=window.tp||[];window.tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "daily-email-signup":var email,params,iframeId,nlid,registration,source_url=window.location.href,submission_date=(new Date).toISOString(),obj_brand={};obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]= "Asset Securitization Report";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";params=JSON.parse(event.params.params);iframeId=params.iframeId;if(typeof event.params.email!="undefined"&&event.params.email.length> 0)email=event.params.email;var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)},brand;if(window.location.pathname.includes("money-management-executive"))brand=obj_brand["money-management-executive"];else if(window.location.pathname.includes("/creditunions"))brand=obj_brand["www.americanbanker.com/creditunions"];else brand=obj_brand[window.location.hostname];if(event.params.nlid)nlid=event.params.nlid;else nlid="Daily";if(event.params.registration)registration=event.params.registration; else registration=true;bt("updateUser",{email:email});var utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};bt("track","modal_optin",{brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url,source_type:getSourceType(),other_referrer:getOtherReferrer(),iframeId:iframeId,nlid:nlid,registration:registration});var dataLayer=window.dataLayer|| [];dataLayer.push({event:"modalOptin",modalOptinData:{sourceType:getSourceType()}});break}}]);function getOtherReferrer(){return window.sessionStorage.getItem("other_referrer")}function setOtherReferrer(){if(!window.sessionStorage.getItem("other_referrer")){var referrer=window.parent.document.referrer;window.sessionStorage.setItem("other_referrer",referrer)}}function getSourceType(){var path=window.location.pathname,homepage="/",cujhomepage="/creditunions",subscribe_RE=/\/subscribe/i,cardshow_RE= /\/list/i;if(path==homepage)return"homepage";if(path==cujhomepage)return"homepage";if(subscribe_RE.test(path))return"subscribe";if(cardshow_RE.test(path))return"cardshow";return"article"}function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}function modalOptinHandler(e){if(!e.origin.includes("tinypass.com"))return;var eventMessage=e.data;if(eventMessage=="modal_optin")setOtherReferrer()}})(window)}catch(error){window.bspLogger_runtimeScriptError(error, "Daily Email signup/modal_optin (Piano Legacy)")};</script> <script id="script_00000191-384f-d21b-ab97-faff27290000" data-name="Piano/Omeda - NL Product Enrollment 'modal_optin'">'use strict';try{(function(window){window.tp=window.tp||[];window.tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "daily-email-signup":var email,brand,nlid,fName,lName,templateType,windowUrl=window.location.href,payloadData={},obj_brand={};var currentDate=new Date;obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["www.bondbuyer.com"]= "Bond Buyer";obj_brand["bondbuyer.com"]="Bond Buyer";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";brand=obj_brand[window.location.hostname];if(typeof event.params.email!="undefined"&&event.params.email.length>0)email=event.params.email;if(event.params.nlid)if(event.params.nlid=="true")nlid=event.params.dailyid;else if(event.params.nlid== "false")nlid=null;else nlid=event.params.nlid;if(event.params.fname)fName=event.params.fname;else fName=null;if(event.params.lname)lName=event.params.lname;else lName=null;if(event.params.templatetype)templateType=event.params.templatetype;else templateType="piano unset";if(templateType=="Dismissible Reg")document.cookie="_pc_dismissible_reg_submission\x3dtrue;expires\x3d"+(new Date(currentDate.getTime()+5*365*24*60*60*1E3)).toGMTString()+";path\x3d/";payloadData={brand:brand,newsletter_optins:nlid, email:email,first_name:fName,last_name:lName,template_type:templateType,source_url:windowUrl,source_type:getSourceType(),utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};var options={method:"POST",body:JSON.stringify(payloadData),headers:{"Content-Type":"application/json"}};fetch("https://5d4aa0373c0f87ef930e36fefefdcf51.m.pipedream.net/",options).then(function(response){return response.json()}).then(function(myJson){console.log(JSON.stringify(myJson))}); var dataLayer=window.dataLayer||[];dataLayer.push({event:"modalOptin",modalOptinData:payloadData});document.cookie="_pc_email_submission_capture\x3dtrue;expires\x3d"+(new Date(currentDate.getTime()+5*365*24*60*60*1E3)).toGMTString()+";path\x3d/";break}}]);function getSourceType(){var path=window.location.pathname,homepage="/",cujhomepage="/creditunions",subscribe_RE=/\/subscribe/i,cardshow_RE=/\/list/i;if(path==homepage)return"homepage";if(path==cujhomepage)return"homepage";if(subscribe_RE.test(path))return"subscribe"; if(cardshow_RE.test(path))return"cardshow";return"article"}function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}})(window)}catch(error){window.bspLogger_runtimeScriptError(error,"Piano/Omeda - NL Product Enrollment \x26#x27;modal_optin\x26#x27;")};</script> <script id="script_00000171-562c-d1cc-a573-5f2c86e60000" data-name="Video Action Tracker">'use strict';try{(function(window){document.addEventListener("DOMContentLoaded",function(){var selector="ps-html5player";var videoPlayer=document.querySelector(selector);if(!videoPlayer)return;var video=videoPlayer.querySelector("video");if(video){video.addEventListener("canplay",actionHandler,false);video.addEventListener("play",actionHandler,false);video.addEventListener("pause",actionHandler,false);video.addEventListener("ended",actionHandler,false);video.addEventListener("stalled",actionHandler, false);video.addEventListener("error",actionHandler,false)}function actionHandler(e){var videoEvent=e,action=getVideoAction(videoEvent.type),isInteractionHit=action=="play"||action=="pause",eventName="videoAction",id,title,obj,dataLayer;id=videoPlayer.dataset.videoId;title=videoPlayer.dataset.videoTitle||document.querySelector(".VideoPage-headline").innerText;obj={event:eventName,videoActionData:{id:id,title:title,action:action,nonInteractionHit:!isInteractionHit}};dataLayer=window.dataLayer||[]; dataLayer.push(obj)}function getVideoAction(eventType){var action;switch(eventType){case "canplay":action="Video Load";break;case "play":action="Video Play";break;case "pause":action="Video Pause";break;case "ended":action="Video End";break;case "error":action="Error";break}return action}},false)})(window)}catch(error){window.bspLogger_runtimeScriptError(error,"Video Action Tracker")};</script> <script id="script_00000171-60b8-d517-ad77-fcf8ec420000" data-name="Audio Action Tracker">'use strict';try{(function(window){document.addEventListener("DOMContentLoaded",audioActionListener,false);function audioActionListener(){var eventList=["play","pause","ended","stalled"];document.querySelectorAll("audio").forEach(function(audio){eventList.forEach(function(event){audio.addEventListener(event,function(){dataLayerPush(getEventData(event,audio))})})})}function dataLayerPush(obj){if(typeof obj!="object")return;var dl=window.dataLayer||[];dl.push(obj)}function getEventData(eventType,audio){if(typeof eventType!= "string")return;var isInteractionHit=eventType=="play"||eventType=="pause",currentSrc=audio.currentSrc,sourceArr=currentSrc.split("/"),title=sourceArr.pop(),id=sourceArr.pop(),percentPlayed=getPercentPlayed(audio);return{"event":"audioAction","audioActionData":{"id":id,"title":title,"action":eventType,"percentPlayed":percentPlayed,"nonInteractionHit":!isInteractionHit}}}function getPercentPlayed(audio){var ppp=(audio.currentTime/audio.duration*100).toFixed(2);return ppp}})(window)}catch(error){window.bspLogger_runtimeScriptError(error, "Audio Action Tracker")};</script> <script id="script_00000173-c4b9-d64c-a9f7-c5bd9b420000" data-name="Pause Video on LoginRequired">'use strict';try{(function(window){window.addEventListener("message",handlePianoMessage,false);function handlePianoMessage(event){var regex=/tinypass.com/;if(!event.origin.match(regex))return;try{var data=JSON.parse(event.data);var isLeadersHardgate=data.event=="leaders_hardgate";if(isLeadersHardgate){var video=document.querySelector("video");if(video)video.pause()}}catch(e){console.info(e)}}})(window)}catch(error){window.bspLogger_runtimeScriptError(error,"Pause Video on LoginRequired")};</script> <script id="script_0000017b-0dad-df23-a57b-3faf5b020000" data-name="NPS Survey Event Handler JS">'use strict';try{tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "nps-survey":var email="";var params;var iframeId;var link;params=JSON.parse(event.params.params);iframeId=params.iframeId;link=event.params.link;if(typeof event.params.email!="undefined"&&event.params.email.length>0){email=event.params.email;tp.offer.close();window.open(link+encodeURIComponent(email)).focus()}else tp.offer.close()}}])}catch(error){window.bspLogger_runtimeScriptError(error, "NPS Survey Event Handler JS")};</script> <script id="script_0000018d-623e-d533-a5bf-eebf900d0000" data-name="Submit Button Event Handler">'use strict';try{tp=window.tp||[];function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}tp.push(["addHandler","checkoutCustomEvent",function(event){switch(event.eventName){case "finishRegOnboarding":console.log("reg onboarding");var email,params,brand,utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")}, source_url=window.location.href,submission_date=(new Date).toISOString(),obj_brand={};if(typeof event.params.email!="undefined"&&event.params.email.length>0)email=event.params.email;params=JSON.parse(event.params.params);obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.benefitnews.com"]= "Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";brand=obj_brand[window.location.hostname];var updateUserData,eventObj,topicsArr=[];if(brand==="American Banker"&&email){updateUserData={email:email,"pref_topic_ab":topicsArr};eventObj={"pref_topic_ab":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.technology=== "true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.regulationandcompliance==="true")topicsArr.push({"name":"Regulation and compliance","id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"});if(event.params.commercialbanking==="true")topicsArr.push({"name":"Commercial banking","id":"00000157-6bd8-dfbe-a35f-ffdc371e0000"});if(event.params.industrynews==="true")topicsArr.push({"name":"Industry News","id":"0000017b-1c7f-df23-a57b-3eff0f660000"});if(event.params.digitalbanking=== "true")topicsArr.push({"name":"Digital banking","id":"00000156-32eb-de20-a356-7febb8500000"});if(event.params.fintech==="true")topicsArr.push({"name":"Fintech","id":"00000154-0af3-d9ec-a7f4-2eff9ef10000"});if(event.params.dailynl==="true"){eventObj.nl_ab_daily_briefing="t";updateUserData.nl_ab_daily_briefing="t"}if(event.params.technologynl==="true"){eventObj.nl_ab_technology_daily="t";updateUserData.nl_ab_technology_daily="t"}if(event.params.regulationnl==="true"){eventObj.nl_ab_regulation="t";updateUserData.nl_ab_regulation= "t"}if(event.params.bankthinknl==="true"){eventObj.nl_ab_bankthink="t";updateUserData.nl_ab_bankthink="t"}if(event.params.communitybankingnl==="true"){eventObj.nl_ab_community_banking="t";updateUserData.nl_ab_community_banking="t"}if(event.params.bestoftheweeknl==="true"){eventObj.nl_ab_best_of_the_week="t";updateUserData.nl_ab_best_of_the_week="t"}}else if(brand==="Accounting Today"&&email){updateUserData={email:email,"pref_topic_act":topicsArr};eventObj={"pref_topic_act":topicsArr,source:"regonboarding", brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.tax==="true")topicsArr.push({"name":"Tax","id":"00000153-a96f-dba7-afd7-af7f9b790000"});if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.accountingstandards==="true")topicsArr.push({"name":"Accounting standards","id":"00000157-7be0-df4e-a557-7ff296b80000"});if(event.params.accountingeducation==="true")topicsArr.push({"name":"Accounting education", "id":"00000153-f1e7-dd48-a953-f1ffaf400000"});if(event.params.irs==="true")topicsArr.push({"name":"IRS","id":"00000150-f36d-d7b7-a5f2-fbed60ad0000"});if(event.params.taxpreparation==="true")topicsArr.push({"name":"Tax preparation","id":"00000154-0baf-d9ec-a7f4-2fff06ce0000"});if(event.params.accountingtechnologynl==="true"){eventObj.nl_act_accounting_technology="t";updateUserData.nl_act_accounting_technology="t"}if(event.params.taxprotodaynl==="true"){eventObj.nl_act_tax_practice="t";updateUserData.nl_act_tax_practice= "t"}if(event.params.auditaccountingnl==="true"){eventObj.nl_act_audit_accounting="t";updateUserData.nl_act_audit_accounting="t"}if(event.params.bestoftheweeknl==="true"){eventObj.nl_act_best_of_the_week="t";updateUserData.nl_act_best_of_the_week="t"}if(event.params.irswatchnl==="true"){eventObj.nl_act_irs_watch_ato="t";updateUserData.nl_act_irs_watch_ato="t"}if(event.params.dailynl==="true"){eventObj.nl_act_daily="t";updateUserData.nl_act_daily="t"}}else if(brand==="Bond Buyer"&&email){updateUserData= {email:email,"pref_topic_bb":topicsArr};eventObj={"pref_topic_bb":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.publicfinance==="true")topicsArr.push({"name":"Public finance","id":"0000015b-2692-dace-a7df-ffff3d9b0000"});if(event.params.politicspolicy==="true")topicsArr.push({"name":"Politics and policy","id":"0000017b-3faa-ddc4-adfb-3fffd14c0000"});if(event.params.regulationcompliance==="true")topicsArr.push({"name":"Regulation and compliance", "id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"});if(event.params.tax==="true")topicsArr.push({"name":"Tax","id":"00000153-a96f-dba7-afd7-af7f9b790000"});if(event.params.careermoves==="true")topicsArr.push({"name":"Career moves","id":"00000151-16d0-def7-a1db-97f03ca80000"});if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.top10nl==="true"){eventObj.nl_bb_weekend="t";updateUserData.nl_bb_weekend="t"}if(event.params.breakingnewsnl=== "true"){eventObj.nl_bb_breaking_news="t";updateUserData.nl_bb_breaking_news="t"}if(event.params.pmrnl==="true"){eventObj.nl_bb_primary_market_report="t";updateUserData.nl_bb_primary_market_report="t"}if(event.params.intradaynl==="true"){eventObj.nl_bb_intraday="t";updateUserData.nl_bb_intraday="t"}if(event.params.dailynl==="true"){eventObj.nl_bb_daily_briefing="t";updateUserData.nl_bb_daily_briefing="t"}}else if(brand==="Digital Insurance"&&email){updateUserData={email:email,"pref_topic_digin":topicsArr}; eventObj={"pref_topic_digin":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.artificialintelligence==="true")topicsArr.push({"name":"Artificial intelligence","id":"00000157-0f79-d9a8-a5d7-ff7d1e2d0000"});if(event.params.insurtech==="true")topicsArr.push({"name":"Insurtech","id":"0000015a-4250-d1f4-a57e-d2f9cd750000"});if(event.params.customerexperience==="true")topicsArr.push({"name":"Customer experience","id":"0000015a-1e5a-d680-a75b-3e7a945f0000"}); if(event.params.propertyandcasualtyinsurance==="true")topicsArr.push({"name":"Property and casualty insurance","id":"0000015a-1e42-de34-a3de-de7624b10001"});if(event.params.commercialinsurance==="true")topicsArr.push({"name":"Commercial insurance","id":"0000017b-3fbd-df72-a17b-3fbdf4050000"});if(event.params.distribution==="true")topicsArr.push({"name":"Distribution","id":"0000017f-98c1-d6da-a1ff-d9dd43ed0000"});if(event.params.insurtechnl==="true"){eventObj.nl_digin_insurtech="t";updateUserData.nl_digin_insurtech= "t"}if(event.params.breakingnewsnl==="true"){eventObj.nl_digin_breaking_news="t";updateUserData.nl_digin_breaking_news="t"}if(event.params.voicesnl==="true"){eventObj.nl_digin_voices="t";updateUserData.nl_digin_voices="t"}if(event.params.thedignl==="true"){eventObj.nl_digin_thedig="t";updateUserData.nl_digin_thedig="t"}if(event.params.weekendupdatenl==="true"){eventObj.nl_digin_weekend_update="t";updateUserData.nl_digin_weekend_update="t"}if(event.params.dailynl==="true"){eventObj.nl_digin_morning_briefing= "t";updateUserData.nl_digin_morning_briefing="t"}}else if(brand==="Financial Planning"&&email){updateUserData={email:email,"pref_topic_fp":topicsArr};eventObj={"pref_topic_fp":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.wealthmanagement==="true")topicsArr.push({"name":"Wealth management","id":"00000153-a958-dba7-afd7-af7dd3210000"});if(event.params.retirement==="true")topicsArr.push({"name":"Retirement", "id":"0000017b-3f9c-ddc4-adfb-3ffd67560000"});if(event.params.investmentstrategies==="true")topicsArr.push({"name":"Investment strategies","id":"00000153-7b41-d15a-abd7-ffffceaa0000"});if(event.params.portfoliomanagement==="true")topicsArr.push({"name":"Portfolio management","id":"00000155-bc51-d116-a57d-bdfd695a0000"});if(event.params.tax==="true")topicsArr.push({"name":"Tax","id":"00000153-a96f-dba7-afd7-af7f9b790000"});if(event.params.practiceandclientmanagement==="true")topicsArr.push({"name":"Practice and Client Management", "id":"0000017b-3fc6-df53-a3ff-3fce4fcf0000"});if(event.params.bestoftheweeknl==="true"){eventObj.nl_fp_best_of_the_week="t";updateUserData.nl_fp_best_of_the_week="t"}if(event.params.wallstreetinsidernl==="true"){eventObj.nl_fp_wallstreet_insider="t";updateUserData.nl_fp_wallstreet_insider="t"}if(event.params.taxnl==="true"){eventObj.nl_fp_tax_tuesday="t";updateUserData.nl_fp_tax_tuesday="t"}if(event.params.wealthtechnl==="true"){eventObj.nl_fp_wealthtech="t";updateUserData.nl_fp_wealthtech="t"}if(event.params.retirementnl=== "true"){eventObj.nl_fp_retirement="t";updateUserData.nl_fp_retirement="t"}if(event.params.dailynl==="true"){eventObj.nl_fp_daily="t";updateUserData.nl_fp_daily="t"}}else if(brand==="National Mortgage News"&&email){updateUserData={email:email,"pref_topic_nmn":topicsArr};eventObj={"pref_topic_nmn":topicsArr,source:"regonboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.mortgages==="true")topicsArr.push({"name":"Mortgages","id":"00000156-3307-d6ab-aff7-fb57bc6e0000"}); if(event.params.housingmarkets==="true")topicsArr.push({"name":"Housing markets","id":"0000015d-6698-d5f8-ad5d-e7ff98710000"});if(event.params.industrynews==="true")topicsArr.push({"name":"Industry News","id":"0000017b-1c7f-df23-a57b-3eff0f660000"});if(event.params.mortgageorigination==="true")topicsArr.push({"name":"Mortgage originations","id":"00000157-6c12-da8e-a557-ec13f3940000"});if(event.params.regulationandcompliance==="true")topicsArr.push({"name":"Regulation and compliance","id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"}); if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.breakingnl==="true"){eventObj.nl_nmn_breaking_news="t";updateUserData.nl_nmn_breaking_news="t"}if(event.params.originationnl==="true"){eventObj.nl_nmn_origination_news="t";updateUserData.nl_nmn_origination_news="t"}if(event.params.intradaynl==="true"){eventObj.nl_nmn_intraday_1="t";updateUserData.nl_nmn_intraday_1="t"}if(event.params.servicingnl==="true"){eventObj.nl_nmn_mortgage_servicing_news= "t";updateUserData.nl_nmn_mortgage_servicing_news="t"}if(event.params.technologynl==="true"){eventObj.nl_nmn_mortgage_technology="t";updateUserData.nl_nmn_mortgage_technology="t"}if(event.params.dailynl==="true"){eventObj.nl_nmn_daily_briefing="t";updateUserData.nl_nmn_daily_briefing="t"}}bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};bt("updateUser",updateUserData);bt("track","preference_update_new",eventObj);tp.offer.close();var currentDate=new Date;document.cookie="_pc_qualified_content_rec\x3dtrue;expires\x3d"+ (new Date(currentDate.getTime()+8*3600*1E3)).toGMTString()+";path\x3d/";break}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Submit Button Event Handler")};</script> <script id="script_0000018e-66cd-d4b2-ab9e-7eed40320000" data-name="Submit Button Event Handler - Piano Custom Field Update">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){var tp=window.tp||[];switch(event.eventName){case "submitRegOnboarding":var pianoUID=tp.pianoId.getUser().uid;var pianoAID=tp.aid;var pianoToken=tp.pianoId.getToken();var pianoRequest="https://api.piano.io/id/api/v1/identity/userinfo?aid\x3d"+pianoAID+"\x26access_token\x3d"+pianoToken+"\x26lang\x3den_US";var formName,customFieldValueObj,whitelistTemplateID;if(pianoAID=="XUnXNMUrFF"){whitelistTemplateID="OTSU5FYTNMV2";formName= "ab_nl_sign_up";customFieldValueObj=[{"field_name":"nl_ab_daily_briefing","value":event.params.dailynl},{"field_name":"nl_ab_technology_daily","value":event.params.technologynl},{"field_name":"nl_ab_regulation","value":event.params.regulationnl},{"field_name":"nl_ab_bankthink","value":event.params.bankthinknl},{"field_name":"nl_ab_community_banking","value":event.params.communitybankingnl},{"field_name":"nl_ab_best_of_the_week","value":event.params.bestoftheweeknl}]}if(pianoAID=="BOmg9kapee"){whitelistTemplateID= "OTVLIR47O9LW";formName="act_nl_sign_up";customFieldValueObj=[{"field_name":"nl_act_daily","value":event.params.dailynl},{"field_name":"nl_act_accounting_technology","value":event.params.accountingtechnologynl},{"field_name":"nl_act_tax_practice","value":event.params.taxprotodaynl},{"field_name":"nl_act_audit_accounting","value":event.params.auditaccountingnl},{"field_name":"nl_act_best_of_the_week","value":event.params.bestoftheweeknl},{"field_name":"nl_act_irs_watch_ato","value":event.params.irswatchnl}]}if(pianoAID== "hVbxdmwrN6"){whitelistTemplateID="OTKMTF8A7VYH";formName="asr_nl_sign_up";customFieldValueObj=[{"field_name":"nl_asr_daily","value":event.params.dailynl},{"field_name":"nl_asr_breaking_news","value":event.params.breakingnewsnl}]}if(pianoAID=="x2vmB6Jdyn"){whitelistTemplateID="OTN2LBI8WUPY";formName="bb_nl_sign_up";customFieldValueObj=[{"field_name":"nl_bb_daily_briefing","value":event.params.dailynl},{"field_name":"nl_bb_breaking_news","value":event.params.breakingnewsnl},{"field_name":"nl_bb_primary_market_report", "value":event.params.pmrnl},{"field_name":"nl_bb_weekend","value":event.params.top10nl},{"field_name":"nl_bb_intraday","value":event.params.intradaynl}]}if(pianoAID=="N8sydUSDcX"){whitelistTemplateID="OTO1BDPA3PH9";formName="dig_nl_sign_up";customFieldValueObj=[{"field_name":"nl_digin_morning_briefing","value":event.params.dailynl},{"field_name":"nl_digin_voices","value":event.params.voicesnl},{"field_name":"nl_digin_weekend_update","value":event.params.weekendupdatenl},{"field_name":"nl_digin_insurtech", "value":event.params.insurtechnl},{"field_name":"nl_digin_thedig","value":event.params.thedignl},{"field_name":"nl_digin_breaking_news","value":event.params.breakingnewsnl}]}if(pianoAID=="t7vpsMsOZy"){whitelistTemplateID="OTD1UGLQUMU5";formName="ebn_nl_sign_up";customFieldValueObj=[{"field_name":"nl_ebn_first_look","value":event.params.dailynl},{"field_name":"nl_ebn_adviser_first_look","value":event.params.adviserfirstlook},{"field_name":"nl_ebn_best_of_the_week","value":event.params.bestof},{"field_name":"nl_ebn_dig_hr", "value":event.params.dighr},{"field_name":"nl_ebn_new_retirement","value":event.params.retirement},{"field_name":"nl_ebn_views","value":event.params.views}]}if(pianoAID=="RXUl28joTX"){whitelistTemplateID="OTWOPAJPP0WH";formName="fp_nl_sign_up";customFieldValueObj=[{"field_name":"nl_fp_daily","value":event.params.dailynl},{"field_name":"nl_fp_best_of_the_week","value":event.params.bestoftheweeknl},{"field_name":"nl_fp_wallstreet_insider","value":event.params.wallstreetinsidernl},{"field_name":"nl_fp_tax_tuesday", "value":event.params.taxnl},{"field_name":"nl_fp_wealthtech","value":event.params.wealthtechnl},{"field_name":"nl_fp_retirement","value":event.params.retirementnl}]}if(pianoAID=="DqBrRoNVmq"){whitelistTemplateID="OTZPXV5N029M";formName="nmn_nl_sign_up";customFieldValueObj=[{"field_name":"nl_nmn_daily_briefing","value":event.params.dailynl},{"field_name":"nl_nmn_mortgage_technology","value":event.params.technologynl},{"field_name":"nl_nmn_origination_news","value":event.params.originationnl},{"field_name":"nl_nmn_intraday_1", "value":event.params.intradaynl},{"field_name":"nl_nmn_mortgage_servicing_news","value":event.params.servicingnl},{"field_name":"nl_nmn_breaking_news","value":event.params.breakingnl}]}fetch(pianoRequest,{method:"PUT",headers:{"Content-Type":"application/json; charset\x3dUTF-8"},body:JSON.stringify({"uid":pianoUID,"form_name":formName,"custom_field_values":customFieldValueObj})});tp.offer.close();tp.template.show({templateId:whitelistTemplateID});break}}])}catch(error){window.bspLogger_runtimeScriptError(error, "Submit Button Event Handler - Piano Custom Field Update")};</script> <script id="script_0000018f-bff5-d679-a3ff-fffd91f30000" data-name="SSO Parser">'use strict';try{window.addEventListener("sso",function(event){console.log("sso event:",event);var pianoUID=tp.pianoId.getUser().uid;var pianoAID=tp.aid;var pianoToken=tp.pianoId.getToken();var pianoRequest="https://api.piano.io/id/api/v1/identity/userinfo?aid\x3d"+pianoAID+"\x26access_token\x3d"+pianoToken+"\x26lang\x3den_US";var customFieldValueObj;if(pianoAID=="XUnXNMUrFF")customFieldValueObj=[{"field_name":"ab_sso_signup","value":event.detail.isSso}];if(pianoAID=="BOmg9kapee")customFieldValueObj= [{"field_name":"act_sso_signup","value":event.detail.isSso}];if(pianoAID=="x2vmB6Jdyn")customFieldValueObj=[{"field_name":"bb_sso_signup","value":event.detail.isSso}];if(pianoAID=="N8sydUSDcX")customFieldValueObj=[{"field_name":"dig_sso_signup","value":event.detail.isSso}];if(pianoAID=="t7vpsMsOZy")customFieldValueObj=[{"field_name":"ebn_sso_signup","value":event.detail.isSso}];if(pianoAID=="RXUl28joTX")customFieldValueObj=[{"field_name":"fp_sso_signup","value":event.detail.isSso}];if(pianoAID=="DqBrRoNVmq")customFieldValueObj= [{"field_name":"nmn_sso_signup","value":event.detail.isSso}];fetch(pianoRequest,{method:"PUT",headers:{"Content-Type":"application/json; charset\x3dUTF-8"},body:JSON.stringify({"uid":pianoUID,"form_name":"sso_status","custom_field_values":customFieldValueObj})})})}catch(error){window.bspLogger_runtimeScriptError(error,"SSO Parser")};</script> <script id="script_00000192-fd64-d066-a3d3-ff7619f00000" data-name="Piano JS - Site License Contract Copy Link Global Handler">'use strict';try{tp.push(["addHandler","customEvent",function(event){if(event.eventName.includes("siteLicenseCopyLink-")){var siteLicenseContractId=event.eventName.split("-")[1];var siteHostname=window.location.hostname;navigator.clipboard.writeText("https://"+siteHostname+"/site-license-redemption?contractid\x3d"+siteLicenseContractId)}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Piano JS - Site License Contract Copy Link Global Handler")};</script> <script id="script_00000174-b0bd-dfa3-af7d-f6fd77560000" data-name="'checkoutClose' Dynamic close button event listener">'use strict';try{tp.push(["addHandler","checkoutClose",function(event){if(event&&event.state=="checkoutCompleted"){var url_params=new URLSearchParams(location.search);var return_url=url_params.get("redirect");if(return_url)location.href=return_url;else location.href="https://www.americanbanker.com"}}])}catch(error){window.bspLogger_runtimeScriptError(error,"\x26#x27;checkoutClose\x26#x27; Dynamic close button event listener")};</script> <script id="script_00000174-b1d9-dcaa-a77d-b9ff7af80000" data-name="'leadgen_registration' Protiviti Form Capture Event Listener">'use strict';try{var tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "leadgen_registration":var {email,params,fname,lname,companyname,jobtitle,phone,...rest}=event.params,obj_brand={};obj_brand["ab.uat.serial2.source-media.psdops.com"]="American Banker Dev";obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["bic.financial-planning.com"]= "Bank Investment Consultant";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.employeebenefitadviser.com"]="Employee Benefit Adviser";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.themiddlemarket.com"]="Mergers \x26 Acquisitions";obj_brand["money-management-executive"]="Money Management Executive"; obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";obj_brand["onwallstreet.financial-planning.com"]="On Wall Street";obj_brand["www.paymentssource.com"]="PaymentsSource";obj_brand["www.taxprotoday.com"]="Tax Pro Today";var pageInfoEl=document.querySelector("[data-page-info]");var uuidData=null;if(pageInfoEl){var pageInfoStr=pageInfoEl.dataset.pageInfo;if(pageInfoStr){pageInfoStr=pageInfoStr.replace('",}','" }');uuidData=JSON.parse(pageInfoStr).uuid}}var eventData={source_url:location.href, submission_date:(new Date).toISOString(),brand:[obj_brand[location.hostname]],resource_id:uuidData,program_name:"leaders",first_name:fname,last_name:lname,master_company:companyname,master_title:jobtitle,work_phone:phone,...rest};var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};user={email:email};bt("updateUser",user);bt("track","leadgen_registration",eventData);try{tp.containerUtils.closeContainer()}catch(e){console.info(e)}}}])}catch(error){window.bspLogger_runtimeScriptError(error, "\x26#x27;leadgen_registration\x26#x27; Protiviti Form Capture Event Listener")};</script> <script id="script_00000176-b07e-db6a-a7ff-fe7e28d00000" data-name="Access Denied Pledge">'use strict';try{var tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "pledge_agreement":var {email,params,pledge,...rest}=event.params,obj_brand={};obj_brand["ab.uat.serial2.source-media.psdops.com"]="American Banker Dev";obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["bic.financial-planning.com"]="Bank Investment Consultant"; obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.employeebenefitadviser.com"]="Employee Benefit Adviser";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.themiddlemarket.com"]="Mergers \x26 Acquisitions";obj_brand["money-management-executive"]="Money Management Executive";obj_brand["www.nationalmortgagenews.com"]= "National Mortgage News";obj_brand["onwallstreet.financial-planning.com"]="On Wall Street";obj_brand["www.paymentssource.com"]="PaymentsSource";obj_brand["www.taxprotoday.com"]="Tax Pro Today";var pageInfoEl=document.querySelector("[data-page-info]");if(pageInfoEl){var pageInfoStr=pageInfoEl.dataset.pageInfo;if(pageInfoStr){pageInfoStr=pageInfoStr.replace('",}','" }');var uuidData=JSON.parse(pageInfoStr).uuid}}var eventData={source_url:location.href,submission_date:(new Date).toISOString(),brand:[obj_brand[location.hostname]], accessDenied_pledge:pledge,...rest};var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};user={email:email};bt("updateUser",user);bt("track","accessDenied_pledge",eventData);setTimeout(function(){location.reload()},1E3)}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Access Denied Pledge")};</script> <script id="script_0000018a-b396-d2fb-a3cb-b7de5a7c0000" data-name="piano In-line Gating: Scripts V2 - Registration & SL Confirmation - Pipedream">'use strict';try{(function(window){window.contentGating=window.contentGating||{};contentGating.ungate=false;contentGating.isGated=false;window.tp=window.tp||[];window.dataLayer=window.dataLayer||[];document.addEventListener("DOMContentLoaded",function(event){try{initAccessControl()}catch(e){console.log("Error in Inline-gate");console.info(e)}});function initAccessControl(){viewController();addUngateEventListener();addRegisterDisplayedHandler();addLoginSuccessEventListener();addFreeArticleUsageEventListener()} function viewController(){var isShowContent=shouldUserHaveAccess();if(contentGating.isGated&&!isShowContent)return;var contentViews=document.querySelectorAll(".inline-gate ~ *:not([data-type\x3d'polar'])");contentViews.forEach(function(contentView){contentView.classList.toggle("inline-gated",!isShowContent)});if(isShowContent){var gateViews=document.querySelectorAll(".inline-gate");gateViews.forEach(function(gateView){gateView.classList.toggle("inline-gated",isShowContent)})}contentGating.isGated= !isShowContent;dataLayer.push({event:"".concat(isShowContent?"contentUnGated":"contentGated")})}function registrationConfirmation(loginData){var defaultConfirmationModalId="OTLVHTRTPJG0",siteLicenseConfirmaitonModalId="OTGCHI1TV603",capitalOneRegistrationRedemptionPrompt="OTX0KMXOR8FY",visaRegistrationRedemptionPrompt="OTD15ILQ3WTM",ubsRegistrationRedemptionPrompt="OTZKSXL2V1FT",eastWestBankRegistrationRedemptionPrompt="OT35ZHNQ9PPJ",abaRegistrationRedemptionPrompt="OT2Z78MTW8Y0",arizentRegistrationRedemptionPrompt= "OTXQAAIYF6IR",usBankRegistrationRedemptionPrompt="OT15H48XBAWB",firstBankRegistrationRedemptionPrompt="OT8WPL719XAS";var siteLicenseDomains=["@comerica.com","@regions.com","@customersbank.com","@ally.com","@huntington.com","@wellsfargo.com","@syf.com","@jpmorgan.com","@morganstanley.com","@raymondjames.com","@alkami.com","@bmo.com","@rbc.com","@citi.com","@paypal.com","@websterbank.com","@aexp.com","@houseloan.com","@jackhenry.com","@discover.com","@wolterskluwer.com","@flagstar.com","@experian.com", "@bkfs.com","@frb.gov","@fiserv.com","@ey.com","@bofa.com","@pwc.com","@zionsbancorp.com","@cgsh.com","@oldnational.com","@Umpqua.com","@navyfederal.org","@pnc.com","@trustage.com","@cunamutual.com","@usaa.com","@tiaa.com","@mtb.com","@servicenow.com","@dollarbank.com","@cooley.com","@midfirst.com","@optum.com","@akerman.com","@foley.com","@dime.com","@ibm.com","@promontory.com"];var isSiteLicenseEmail=false;var unlimitedAccessDomains=["@capitalone.com","@visa.com","@ubs.com","@eastwestbank.com", "@aba.com","@baft.org","@arizentmedia.com","@usbank.com","@evalon.com","@efirstbank.com"];var isUnlimitedAccessEmail=false;var userEmail=loginData.params.email;var slDomainMatchVal,preferredContact,payloadData={};for(var i=0;i<siteLicenseDomains.length;i++)if(userEmail.includes(siteLicenseDomains[i])){isSiteLicenseEmail=true;slDomainMatchVal=siteLicenseDomains[i];break}for(var j=0;j<unlimitedAccessDomains.length;j++)if(userEmail.includes(unlimitedAccessDomains[j])){isUnlimitedAccessEmail=true;slDomainMatchVal= unlimitedAccessDomains[j];break}if(isSiteLicenseEmail){tp.template.show({templateId:siteLicenseConfirmaitonModalId});tp.push(["addHandler","customEvent",function(event){if(event.eventName==="slMemberLead"){var fName=event.params.fname,lName=event.params.lname,prefEmail=event.params.prefemail,prefPhone=event.params.prefphone;if(prefPhone)preferredContact=prefPhone;else preferredContact=prefEmail;payloadData={brand:"American Banker",email:userEmail,email_address_behavior_attribute:userEmail,first_name:fName, last_name:lName,preferred_contact:preferredContact,sl_domain:slDomainMatchVal};var dataLayer=window.dataLayer||[];dataLayer.push({event:"siteLicenseNewMemberLead",modalOptinData:payloadData});var options={method:"POST",body:JSON.stringify(payloadData),headers:{"Content-Type":"application/json"}};fetch("https://api.omeda.com/dataloader/api/rest/webhooks/6789J0253467B4Z/newsitelicensememberlead1717091773952",options).then(function(response){return response.json()}).then(function(myJson){console.log(JSON.stringify(myJson))}); tp.offer.close()}}])}else if(isUnlimitedAccessEmail&&slDomainMatchVal)switch(slDomainMatchVal){case "@capitalone.com":tp.template.show({templateId:capitalOneRegistrationRedemptionPrompt,showCloseButton:false});break;case "@visa.com":tp.template.show({templateId:visaRegistrationRedemptionPrompt,showCloseButton:false});break;case "@ubs.com":tp.template.show({templateId:ubsRegistrationRedemptionPrompt,showCloseButton:false});break;case "@eastwestbank.com":tp.template.show({templateId:eastWestBankRegistrationRedemptionPrompt, showCloseButton:false});break;case "@aba.com":tp.template.show({templateId:abaRegistrationRedemptionPrompt,showCloseButton:false});break;case "@baft.org":tp.template.show({templateId:abaRegistrationRedemptionPrompt,showCloseButton:false});break;case "@usbank.com":tp.template.show({templateId:usBankRegistrationRedemptionPrompt,showCloseButton:false});break;case "@evalon.com":tp.template.show({templateId:usBankRegistrationRedemptionPrompt,showCloseButton:false});break;case "@efirstbank.com":tp.template.show({templateId:firstBankRegistrationRedemptionPrompt, showCloseButton:false});break;case "@arizentmedia.com":tp.template.show({templateId:arizentRegistrationRedemptionPrompt,showCloseButton:false});break}else tp.template.show({templateId:defaultConfirmationModalId,showCloseButton:false})}function addLoginSuccessEventListener(){tp.push(["addHandler","loginSuccess",gateController])}function gateController(loginData){if(loginData&&loginData.registration)if(!isSubscribePage()){tp.offer.close();tp.experience.execute();setTimeout(function(){registrationConfirmation(loginData)}, "1000");dataLayer.push({event:"freeAccountCreated"});return viewController()}if(!isSubscribePage()){tp.offer.close();tp.experience.execute();viewController()}}function addFreeArticleUsageEventListener(){tp.push(["addHandler","showTemplate",trackFreeArticleUsage])}function trackFreeArticleUsage(templateParams){var activeMeters=templateParams&&templateParams.activeMeters;if(activeMeters&&!activeMeters.viewsLeft)if(!shouldUserHaveAccess())dataLayer.push({event:"freeArticleUsed"})}function shouldUserHaveAccess(){var previouslyHadAccess= false;var accessedURLs=sessionStorage.getItem("accessedURLs");if(accessedURLs){accessedURLs=JSON.parse(accessedURLs);previouslyHadAccess=accessedURLs.includes(location.pathname)}return previouslyHadAccess||contentGating.ungate}function addUngateEventListener(){window.addEventListener("ungate",function(){contentGating.ungate=true;viewController();trackUngatedPageViews()})}function addRegisterDisplayedHandler(){tp.push(["addHandler","registerDisplayed",function(params){if(!isSubscribePage())dataLayer.push({event:"freeAccountInitiated"})}])} function isSubscribePage(){if(window.location.pathname.indexOf("subscribe")!==-1)return window.location.pathname.indexOf("subscribe")!==-1;if(window.location.pathname.indexOf("address-update")!==-1)return window.location.pathname.indexOf("address-update")!==-1;if(window.location.pathname.indexOf("site-license-redemption")!==-1)return window.location.pathname.indexOf("site-license-redemption")!==-1;if(window.location.pathname.indexOf("email-options")!==-1)return window.location.pathname.indexOf("email-options")!== -1}function isCardshow(){if(window.location.pathname.indexOf("/list/")!==-1)return window.location.pathname.indexOf("/list/")!==-1}function trackUngatedPageViews(){var accessedURLs=sessionStorage.getItem("accessedURLs");if(accessedURLs){accessedURLs=JSON.parse(accessedURLs);setAccessedURLs(accessedURLs)}else{accessedURLs=[];setAccessedURLs(accessedURLs)}}function setAccessedURLs(accessedURLs){accessedURLs.push(location.pathname);sessionStorage.setItem("accessedURLs",JSON.stringify(accessedURLs))} })(window)}catch(error){window.bspLogger_runtimeScriptError(error,"piano In-line Gating: Scripts V2 - Registration \x26amp; SL Confirmation - Pipedream")};</script> <script id="script_00000182-a7b5-d17a-a5d6-bfbdbf600000" data-name="Piano Message Event Handlers">'use strict';try{window.addEventListener("message",function(e){if(e.data=="wideRegister")tp.pianoId.show({screen:"register",width:"700"});if(e.data=="wideLogin")tp.pianoId.show({screen:"login",width:"700"})})}catch(error){window.bspLogger_runtimeScriptError(error,"Piano Message Event Handlers")};</script> <script id="script_0000017a-5325-d72f-a3fa-73ff09d20001" data-name="Checkbox NL Optin - Regulation + Community Banking JS">'use strict';try{var tp=window.tp||[];tp.push(["addHandler","customEvent",function(event,b,c,d){switch(event.eventName){case "checkbox-email-signup":var obj_brand={};obj_brand["ab.uat.serial2.source-media.psdops.com"]="American Banker Dev";obj_brand["ebn.uat.serial2.source-media.psdops.com"]="EBN Dev";obj_brand["www.americanbanker.com"]="American Banker";obj_brand["www.accountingtoday.com"]="Accounting Today";obj_brand["asreport.americanbanker.com"]="Asset Securitization Report";obj_brand["bic.financial-planning.com"]= "Bank Investment Consultant";obj_brand["www.bondbuyer.com"]="Bond Buyer";obj_brand["www.americanbanker.com/creditunions"]="Credit Union Journal";obj_brand["www.dig-in.com"]="Digital Insurance";obj_brand["www.employeebenefitadviser.com"]="Employee Benefit Adviser";obj_brand["www.benefitnews.com"]="Employee Benefit News";obj_brand["www.financial-planning.com"]="Financial Planning";obj_brand["www.themiddlemarket.com"]="Mergers \x26 Acquisitions";obj_brand["money-management-executive"]="Money Management Executive"; obj_brand["www.nationalmortgagenews.com"]="National Mortgage News";obj_brand["onwallstreet.financial-planning.com"]="On Wall Street";obj_brand["www.paymentssource.com"]="PaymentsSource";obj_brand["www.taxprotoday.com"]="Tax Pro Today";var bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)},brand;if(location.pathname.includes("money-management-executive"))brand=obj_brand["money-management-executive"];else if(location.pathname.includes("/creditunions"))brand=obj_brand["www.americanbanker.com/creditunions"]; else brand=obj_brand[location.hostname];var regulation,community;if(event.params.regulation)regulation="t";else regulation="f";if(event.params.community)community_banking="t";else community_banking="f";var newsletter_ab=[{"regulation":regulation,"community_banking":community_banking}];bt("updateUser",{email:getPianoUserEmail(),newsletter_ab:newsletter_ab});bt("track","preference_update",{source:"Checkbox Modal",newsletter_ab:newsletter_ab,brand:brand})}}]);function getPianoUserEmail(){var tp=window.tp|| [];var isValidUser=false;var user={};if(tp.user)isValidUser=tp.user.isUserValid();if(isValidUser&&tp.pianoId){user=tp.pianoId.getUser();return user.email}}}catch(error){window.bspLogger_runtimeScriptError(error,"Checkbox NL Optin - Regulation + Community Banking JS")};</script> <script id="script_0000017c-c2db-d35d-af7d-f6fb03930000" data-name="Piano: Login for Grade Period Promo">'use strict';try{window.addEventListener("message",function(e){if(e.data=="loginModal"){tp.pianoId.show({screen:"login",width:"500"});console.log(e.data+"fired")}})}catch(error){window.bspLogger_runtimeScriptError(error,"Piano: Login for Grade Period Promo")};</script> <script id="script_00000182-a7c2-dbf3-a392-a7d67d850000" data-name="Piano Custom Event Handlers">'use strict';try{tp=window.tp||[];tp.push(["addHandler","customEvent",function(event){switch(event.eventName){case "auto-renew-submit":if(tp.pianoId.isUserValid()){var currentDate=new Date;document.cookie="_pc_auto_renew_enabled\x3dtrue;expires\x3d"+(new Date(currentDate.getTime()+5*365*24*60*60*1E3)).toGMTString()+";path\x3d/";var user=tp.pianoId.getUser();var data={uid:user.uid,userEmail:user.email,autorenew:"true"};var options={method:"POST",body:JSON.stringify(data),headers:{"Content-Type":"application/json"}}; console.log("AUTO-RENEW ENABLED ",event.data);fetch("https://359c35578a65acaa7138b68fcd8aa04e.m.pipedream.net/",options).then(console.log("AUTO-RENEW ENABLED SENT TO PIPEDREAM",data))}break;default:break}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Piano Custom Event Handlers")};</script> <script id="script_00000186-e704-d24d-ab8e-e7ed6d290001" data-name="Piano - Preference Onboarding JS">'use strict';try{tp=window.tp||[];var url_params,return_url,data;function getCookieValue(name){var re=new RegExp(name+"\x3d([^ ;]+)");var val=window.document.cookie.match(re);return val?val[1]:null}tp.push(["addHandler","checkoutCustomEvent",function(event){var userData,newsletters,bt,topicsArr,email,source_url,submission_date,utm_params,brand;switch(event.eventName){case "startStandardOnboarding":tp.offer.close();userData=tp.pianoId.getUser();tp.push(["setCustomVariable","userAccessTier","Standard"]); tp.push(["setCustomVariable","userPianoId",userData.uid]);setTimeout(function(){tp.template.show({"templateId":"OT6LT69W7WJR"})},"1000");break;case "startPremiumOnboarding":tp.offer.close();userData=tp.pianoId.getUser();tp.push(["setCustomVariable","userAccessTier","Premium"]);tp.push(["setCustomVariable","userPianoId",userData.uid]);setTimeout(function(){tp.template.show({"templateId":"OT6LT69W7WJR"})},"1000");break;case "submitTopics":source_url=window.location.href;submission_date=(new Date).toISOString(); brand="American Banker";utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};topicsArr=[];if(event.params.email){email=event.params.email;if(event.params.banktechnology==="true")topicsArr.push({"name":"Bank technology","id":"00000159-2832-d3c9-a3fb-e8bfb24a0000"});if(event.params.branchbanking==="true")topicsArr.push({"name":"Branch banking","id":"00000157-67a3-dcae-a17f-67f3b1190000"}); if(event.params.commercialbanking==="true")topicsArr.push({"name":"Commercial banking","id":"00000157-6bd8-dfbe-a35f-ffdc371e0000"});if(event.params.communitybanking==="true")topicsArr.push({"name":"Community banking","id":"00000156-32e7-de20-a356-7feffc2f0000"});if(event.params.consumerbanking==="true")topicsArr.push({"name":"Consumer banking","id":"00000157-6bd8-dfbe-a35f-ffdcc7490000"});if(event.params.creditunions==="true")topicsArr.push({"name":"Credit Unions","id":"00000154-06b7-d105-a9fe-9ff7ccba0000"}); if(event.params.cryptocurrencies==="true")topicsArr.push({"name":"Cryptocurrencies","id":"00000157-6c33-da8e-a557-ec3398810000"});if(event.params.digitalbanking==="true")topicsArr.push({"name":"Digital banking","id":"00000156-32eb-de20-a356-7febb8500000"});if(event.params.fintech==="true")topicsArr.push({"name":"Fintech","id":"00000154-0af3-d9ec-a7f4-2eff9ef10000"});if(event.params.industrynews==="true")topicsArr.push({"name":"Industry News","id":"0000017b-1c7f-df23-a57b-3eff0f660000"});if(event.params.payments=== "true")topicsArr.push({"name":"Payments","id":"00000156-3321-d6ab-aff7-fb73789f0000"});if(event.params.politicsandpolicy==="true")topicsArr.push({"name":"Politics and policy","id":"0000017b-3faa-ddc4-adfb-3fffd14c0000"});if(event.params.regulationandcompliance==="true")topicsArr.push({"name":"Regulation and compliance","id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"});if(event.params.smallbusinessbanking==="true")topicsArr.push({"name":"Small business banking","id":"0000017b-3fca-df53-a3ff-3fcea93e0000"}); if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.wealthmanagement==="true")topicsArr.push({"name":"Wealth management","id":"00000153-a958-dba7-afd7-af7dd3210000"});bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};bt("updateUser",{email:email,"pref_topic_ab":topicsArr});bt("track","preference_update_new",{"pref_topic_ab":topicsArr,source:"onboarding",brand:brand,submission_date:submission_date, utm_params:utm_params,source_url:source_url});tp.offer.close();setTimeout(function(){tp.template.show({"templateId":"OT9UAKKTTLRW"})},"1000")}break;case "completeSubmitTopics":source_url=window.location.href;submission_date=(new Date).toISOString();brand="American Banker";utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};topicsArr=[];if(event.params.email){email= event.params.email;if(event.params.technology==="true")topicsArr.push({"name":"Bank technology","id":"00000159-2832-d3c9-a3fb-e8bfb24a0000"});if(event.params.branchbanking==="true")topicsArr.push({"name":"Branch banking","id":"00000157-67a3-dcae-a17f-67f3b1190000"});if(event.params.commercialbanking==="true")topicsArr.push({"name":"Commercial banking","id":"00000157-6bd8-dfbe-a35f-ffdc371e0000"});if(event.params.communitybanking==="true")topicsArr.push({"name":"Community banking","id":"00000156-32e7-de20-a356-7feffc2f0000"}); if(event.params.consumerbanking==="true")topicsArr.push({"name":"Consumer banking","id":"00000157-6bd8-dfbe-a35f-ffdcc7490000"});if(event.params.creditunions==="true")topicsArr.push({"name":"Credit Unions","id":"00000154-06b7-d105-a9fe-9ff7ccba0000"});if(event.params.cryptocurrencies==="true")topicsArr.push({"name":"Cryptocurrencies","id":"00000157-6c33-da8e-a557-ec3398810000"});if(event.params.digitalbanking==="true")topicsArr.push({"name":"Digital banking","id":"00000156-32eb-de20-a356-7febb8500000"}); if(event.params.fintech==="true")topicsArr.push({"name":"Fintech","id":"00000154-0af3-d9ec-a7f4-2eff9ef10000"});if(event.params.industrynews==="true")topicsArr.push({"name":"Industry News","id":"0000017b-1c7f-df23-a57b-3eff0f660000"});if(event.params.payments==="true")topicsArr.push({"name":"Payments","id":"00000156-3321-d6ab-aff7-fb73789f0000"});if(event.params.politicsandpolicy==="true")topicsArr.push({"name":"Politics and policy","id":"0000017b-3faa-ddc4-adfb-3fffd14c0000"});if(event.params.regulationandcompliance=== "true")topicsArr.push({"name":"Regulation and compliance","id":"0000017b-3fa7-d076-a9fb-bfe797fc0001"});if(event.params.smallbusinessbanking==="true")topicsArr.push({"name":"Small business banking","id":"0000017b-3fca-df53-a3ff-3fcea93e0000"});if(event.params.technology==="true")topicsArr.push({"name":"Technology","id":"00000151-16d0-def7-a1db-97f024f70000"});if(event.params.wealthmanagement==="true")topicsArr.push({"name":"Wealth management","id":"00000153-a958-dba7-afd7-af7dd3210000"});bt=window.bt|| function(){(window._bt=window._bt||[]).push(arguments)};bt("updateUser",{email:email,"pref_topic_ab":topicsArr});bt("track","preference_update_new",{"pref_topic_ab":topicsArr,source:"on-site",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url});tp.offer.close();setTimeout(function(){tp.template.show({"templateId":"OTEFPFZVEXOJ"})},"1000")}break;case "submitNewsletters":source_url=window.location.href;submission_date=(new Date).toISOString();brand="American Banker"; utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};data={};newsletters={source:"onboarding",brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.email){email=event.params.email;if(event.params.technology){newsletters.nl_ab_technology_daily="t";data.nl_ab_technology_daily="t"}if(event.params.regulation){newsletters.nl_ab_regulation= "t";data.nl_ab_regulation="t"}if(event.params.bankthink){newsletters.nl_ab_bankthink="t";data.nl_ab_bankthink="t"}if(event.params.payments){newsletters.nl_ab_payments="t";data.nl_ab_payments="t"}if(event.params.bestoftheweek){newsletters.nl_ab_best_of_the_week="t";data.nl_ab_best_of_the_week="t"}if(event.params.communitybanking){newsletters.nl_ab_community_banking="t";data.nl_ab_community_banking="t"}data.email=email;bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};bt("updateUser", data);bt("track","preference_update_new",newsletters);tp.offer.close();setTimeout(function(){tp.template.show({"templateId":"OT9Q955KP42B"})},"1000")}break;case "finishOnboarding":source_url=window.location.href;submission_date=(new Date).toISOString();brand="American Banker";utm_params={utm_source:getCookieValue("sm_utm_source"),utm_medium:getCookieValue("sm_utm_medium"),utm_campaign:getCookieValue("sm_utm_campaign"),utm_content:getCookieValue("sm_utm_content")};data={};newsletters={source:"onboarding", brand:brand,submission_date:submission_date,utm_params:utm_params,source_url:source_url};if(event.params.email){email=event.params.email;if(event.params.technology){newsletters.nl_ab_technology_daily="t";data.nl_ab_technology_daily="t"}if(event.params.regulation){newsletters.nl_ab_regulation="t";data.nl_ab_regulation="t"}if(event.params.bankthink){newsletters.nl_ab_bankthink="t";data.nl_ab_bankthink="t"}if(event.params.payments){newsletters.nl_ab_payments="t";data.nl_ab_payments="t"}if(event.params.bestoftheweek){newsletters.nl_ab_best_of_the_week= "t";data.nl_ab_best_of_the_week="t"}if(event.params.communitybanking){newsletters.nl_ab_community_banking="t";data.nl_ab_community_banking="t"}data.email=email;bt=window.bt||function(){(window._bt=window._bt||[]).push(arguments)};bt("updateUser",data);bt("track","preference_update_new",newsletters);tp.offer.close();setTimeout(function(){tp.template.show({"templateId":"OTEFPFZVEXOJ"})},"1000")}break;case "checkoutRedirect":url_params=new URLSearchParams(location.search);return_url=url_params.get("redirect"); if(return_url)location.href=return_url;else location.href="/";break;case "nextTemplate":var nextTemplate=event.params.nexttemplate;tp.offer.close();setTimeout(function(){tp.template.show({"templateId":nextTemplate})},"1000");break;case "showMailingTemplate":url_params=new URLSearchParams(location.search);return_url=url_params.get("redirect");window.open("https://www.americanbanker.com/address-update","_blank");if(return_url)location.href=return_url;else location.href="/";break}}]);window.addEventListener("message", function(e){if(e.data=="checkoutRedirect"){console.info("checkoutRedirect");url_params=new URLSearchParams(location.search);return_url=url_params.get("redirect");if(return_url)location.href=return_url;else location.href="/"}if(e.data=="submitForm"){console.info(e);console.info("form submit event fired from CMS");tp.offer.close();setTimeout(function(){tp.template.show({"templateId":"OTEFPFZVEXOJ"})},"1000")}})}catch(error){window.bspLogger_runtimeScriptError(error,"Piano - Preference Onboarding JS")};</script> <script id="script_00000189-aca4-d340-abbd-bca56b2e0000" data-name="EDU Subscribe tryAgain JS Handler">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){switch(event.eventName){case "tryAgain":console.log('Event "'+event.eventName+'" is running');tp.template.close();tp.user.logout();tp.experience.execute()}}])}catch(error){window.bspLogger_runtimeScriptError(error,"EDU Subscribe tryAgain JS Handler")};</script> <script id="script_0000018b-39db-d912-a1cf-7dfb7a190000" data-name="Handle Reg Confirmation Close JS">'use strict';try{tp.push(["addHandler","checkoutCustomEvent",function(event){if(event.eventName==="dynamicRegConfClose"){tp.offer.close();var isTestUser;tp.pianoId.loadExtendedUser({extendedUserLoaded:function(data){for(var i in data.custom_field_values){var fieldName=data.custom_field_values[i].field_name;var fieldValue=data.custom_field_values[i].value;console.log("Field "+fieldName+" has value "+fieldValue);if(fieldName==="pv_meter_variant"&&fieldValue==="PV3")isTestUser=true}if(isTestUser)tp.template.show({templateId:"OTHQTC1AZELA", containerSelector:".piano-box-footer",displayMode:"inline"})},formName:"pv_meter_test"})}}])}catch(error){window.bspLogger_runtimeScriptError(error,"Handle Reg Confirmation Close JS")};</script> </head> <body class="Page-body" data-site-id="american-banker" data-is-subscribe-page="false" data-is-leaders-page="false" data-is-preference-center-page="false" data-is-events-page="false" data-bsp-logger-level="0" data-frontend-notifications="true" data-is-mobile-header-ad-placement-set="true" data-is-general-header-ad-placement-set="true"> <noscript id="google_tag_manager_noscript"> <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5DXTZXR" height="0" width="0" style="display:none;visibility:hidden"> </iframe> </noscript> <svg xmlns="http://www.w3.org/2000/svg" style="display:none" id="iconsMap"> <symbol id="mono-icon-facebook" viewBox="0 0 10 19"> <path fill-rule="evenodd" d="M2.707 18.25V10.2H0V7h2.707V4.469c0-1.336.375-2.373 1.125-3.112C4.582.62 5.578.25 6.82.25c1.008 0 1.828.047 2.461.14v2.848H7.594c-.633 0-1.067.14-1.301.422-.188.235-.281.61-.281 1.125V7H9l-.422 3.2H6.012v8.05H2.707z"> </path> </symbol> <symbol id="mono-icon-instagram" viewBox="0 0 17 17"> <g> <path fill-rule="evenodd" d="M8.281 4.207c.727 0 1.4.182 2.022.545a4.055 4.055 0 0 1 1.476 1.477c.364.62.545 1.294.545 2.021 0 .727-.181 1.4-.545 2.021a4.055 4.055 0 0 1-1.476 1.477 3.934 3.934 0 0 1-2.022.545c-.726 0-1.4-.182-2.021-.545a4.055 4.055 0 0 1-1.477-1.477 3.934 3.934 0 0 1-.545-2.021c0-.727.182-1.4.545-2.021A4.055 4.055 0 0 1 6.26 4.752a3.934 3.934 0 0 1 2.021-.545zm0 6.68a2.54 2.54 0 0 0 1.864-.774 2.54 2.54 0 0 0 .773-1.863 2.54 2.54 0 0 0-.773-1.863 2.54 2.54 0 0 0-1.864-.774 2.54 2.54 0 0 0-1.863.774 2.54 2.54 0 0 0-.773 1.863c0 .727.257 1.348.773 1.863a2.54 2.54 0 0 0 1.863.774zM13.45 4.03c-.023.258-.123.48-.299.668a.856.856 0 0 1-.65.281.913.913 0 0 1-.668-.28.913.913 0 0 1-.281-.669c0-.258.094-.48.281-.668a.913.913 0 0 1 .668-.28c.258 0 .48.093.668.28.187.188.281.41.281.668zm2.672.95c.023.656.035 1.746.035 3.269 0 1.523-.017 2.62-.053 3.287-.035.668-.134 1.248-.298 1.74a4.098 4.098 0 0 1-.967 1.53 4.098 4.098 0 0 1-1.53.966c-.492.164-1.072.264-1.74.3-.668.034-1.763.052-3.287.052-1.523 0-2.619-.018-3.287-.053-.668-.035-1.248-.146-1.74-.334a3.747 3.747 0 0 1-1.53-.931 4.098 4.098 0 0 1-.966-1.53c-.164-.492-.264-1.072-.299-1.74C.424 10.87.406 9.773.406 8.25S.424 5.63.46 4.963c.035-.668.135-1.248.299-1.74.21-.586.533-1.096.967-1.53A4.098 4.098 0 0 1 3.254.727c.492-.164 1.072-.264 1.74-.3C5.662.394 6.758.376 8.281.376c1.524 0 2.62.018 3.287.053.668.035 1.248.135 1.74.299a4.098 4.098 0 0 1 2.496 2.496c.165.492.27 1.078.317 1.757zm-1.687 7.91c.14-.399.234-1.032.28-1.899.024-.515.036-1.242.036-2.18V7.689c0-.961-.012-1.688-.035-2.18-.047-.89-.14-1.524-.281-1.899a2.537 2.537 0 0 0-1.512-1.511c-.375-.14-1.008-.235-1.899-.282a51.292 51.292 0 0 0-2.18-.035H7.72c-.938 0-1.664.012-2.18.035-.867.047-1.5.141-1.898.282a2.537 2.537 0 0 0-1.512 1.511c-.14.375-.234 1.008-.281 1.899a51.292 51.292 0 0 0-.036 2.18v1.125c0 .937.012 1.664.036 2.18.047.866.14 1.5.28 1.898.306.726.81 1.23 1.513 1.511.398.141 1.03.235 1.898.282.516.023 1.242.035 2.18.035h1.125c.96 0 1.687-.012 2.18-.035.89-.047 1.523-.141 1.898-.282.726-.304 1.23-.808 1.512-1.511z"> </path> </g> </symbol> <symbol id="mono-icon-email" viewBox="0 0 20 14"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M18.59 11.636c0 .678-.549 1.228-1.226 1.228H2.636c-.677 0-1.227-.55-1.227-1.228v-9c0-.678.55-1.227 1.227-1.227h14.728c.677 0 1.227.55 1.227 1.227v9z"/> <path d="M18.182 1.818L10 8.364 1.818 1.818"/> </g> </symbol> <symbol id="mono-icon-mailto" viewBox="0 0 20 14"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M18.59 11.636c0 .678-.549 1.228-1.226 1.228H2.636c-.677 0-1.227-.55-1.227-1.228v-9c0-.678.55-1.227 1.227-1.227h14.728c.677 0 1.227.55 1.227 1.227v9z"/> <path d="M18.182 1.818L10 8.364 1.818 1.818"/> </g> </symbol> <symbol id="mono-icon-print" viewBox="0 0 20 18"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round" stroke-width=".9"> <path d="M5.125 13.375h-2.25c-.825 0-1.5-.675-1.5-1.5v-4.5c0-.825.675-1.5 1.5-1.5h14.25c.826 0 1.5.675 1.5 1.5v4.5c0 .825-.674 1.5-1.5 1.5h-2.25M5.125 4.375v-3h7.5l2.25 2.25v.75"/> <path d="M5.125 17.125h9.75v-6h-9.75zM4.375 8.125a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0zM6.625 12.625h6.75M6.625 14.125h6.75M6.625 15.625h6.75M12.625 1.375v2.25h2.25"/> </g> </symbol> <symbol id="mono-download" viewBox="0 0 20 18"> <g fill="none" fill-rule="evenodd" stroke="#ffffff" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5"> <path d="M13 9.273V12a.546.546 0 0 1-.545.545H1.545A.546.546 0 0 1 1 12V9.273M7 1v8.364"/> <path d="M10.273 6.09L7 9.365 3.727 6.09"/> </g> </symbol> <symbol id="mono-icon-copylink" viewBox="0 0 15 19"> <g fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M14 7.138L10.333 3h-6.81A.52.52 0 0 0 3 3.517v13.966a.52.52 0 0 0 .524.517h9.952a.52.52 0 0 0 .524-.517V7.138z"/> <path d="M8.333 1h-6.81A.52.52 0 0 0 1 1.517v13.966a.52.52 0 0 0 .524.517M10 3v3.5c0 .276.256.5.571.5H14M6 9h5M6 12h5M6 15h5"/> </g> </symbol> <symbol id="mono-icon-linkedin" viewBox="0 0 16 17"> <g fill-rule="evenodd"> <path d="M3.734 16.125H.464V5.613h3.27zM2.117 4.172c-.515 0-.96-.188-1.336-.563A1.825 1.825 0 0 1 .22 2.273c0-.515.187-.96.562-1.335.375-.375.82-.563 1.336-.563.516 0 .961.188 1.336.563.375.375.563.82.563 1.335 0 .516-.188.961-.563 1.336-.375.375-.82.563-1.336.563zM15.969 16.125h-3.27v-5.133c0-.844-.07-1.453-.21-1.828-.259-.633-.762-.95-1.512-.95s-1.278.282-1.582.845c-.235.421-.352 1.043-.352 1.863v5.203H5.809V5.613h3.128v1.442h.036c.234-.469.609-.856 1.125-1.16.562-.375 1.218-.563 1.968-.563 1.524 0 2.59.48 3.2 1.441.468.774.703 1.97.703 3.586v5.766z"> </path> </g> </symbol> <symbol id="mono-icon-pinterest" viewBox="0 0 512 512"> <g> <path d="M256,32C132.3,32,32,132.3,32,256c0,91.7,55.2,170.5,134.1,205.2c-0.6-15.6-0.1-34.4,3.9-51.4 c4.3-18.2,28.8-122.1,28.8-122.1s-7.2-14.3-7.2-35.4c0-33.2,19.2-58,43.2-58c20.4,0,30.2,15.3,30.2,33.6 c0,20.5-13.1,51.1-19.8,79.5c-5.6,23.8,11.9,43.1,35.4,43.1c42.4,0,71-54.5,71-119.1c0-49.1-33.1-85.8-93.2-85.8 c-67.9,0-110.3,50.7-110.3,107.3c0,19.5,5.8,33.3,14.8,43.9c4.1,4.9,4.7,6.9,3.2,12.5c-1.1,4.1-3.5,14-4.6,18 c-1.5,5.7-6.1,7.7-11.2,5.6c-31.3-12.8-45.9-47-45.9-85.6c0-63.6,53.7-139.9,160.1-139.9c85.5,0,141.8,61.9,141.8,128.3 c0,87.9-48.9,153.5-120.9,153.5c-24.2,0-46.9-13.1-54.7-27.9c0,0-13,51.6-15.8,61.6c-4.7,17.3-14,34.5-22.5,48 c20.1,5.9,41.4,9.2,63.5,9.2c123.7,0,224-100.3,224-224C480,132.3,379.7,32,256,32z"></path> </g> </symbol> <symbol id="mono-icon-tumblr" viewBox="0 0 512 512"> <g> <path d="M321.2,396.3c-11.8,0-22.4-2.8-31.5-8.3c-6.9-4.1-11.5-9.6-14-16.4c-2.6-6.9-3.6-22.3-3.6-46.4V224h96v-64h-96V48h-61.9 c-2.7,21.5-7.5,44.7-14.5,58.6c-7,13.9-14,25.8-25.6,35.7c-11.6,9.9-25.6,17.9-41.9,23.3V224h48v140.4c0,19,2,33.5,5.9,43.5 c4,10,11.1,19.5,21.4,28.4c10.3,8.9,22.8,15.7,37.3,20.5c14.6,4.8,31.4,7.2,50.4,7.2c16.7,0,30.3-1.7,44.7-5.1 c14.4-3.4,30.5-9.3,48.2-17.6v-65.6C363.2,389.4,342.3,396.3,321.2,396.3z"></path> </g> </symbol> <symbol id="mono-icon-twitter" viewBox="0,0,255.99538,255.99538"> <g fill-rule="nonzero" stroke="none" stroke-width="1" stroke-linecap="butt" stroke-linejoin="miter" stroke-miterlimit="10" stroke-dasharray="" stroke-dashoffset="0" font-family="none" font-weight="none" font-size="none" text-anchor="none" style="mix-blend-mode: normal"> <g transform="scale(10.66667,10.66667)"> <path d="M2.36719,3l7.0957,10.14063l-6.72266,7.85938h2.64063l5.26367,-6.16992l4.31641,6.16992h6.91016l-7.42187,-10.625l6.29102,-7.375h-2.59961l-4.86914,5.6875l-3.97266,-5.6875zM6.20703,5h2.04883l9.77734,14h-2.03125z"></path> </g> </g> </symbol> <symbol id="mono-icon-youtube" viewBox="0 0 512 512"> <g> <path fill-rule="evenodd" d="M508.6,148.8c0-45-33.1-81.2-74-81.2C379.2,65,322.7,64,265,64c-3,0-6,0-9,0s-6,0-9,0c-57.6,0-114.2,1-169.6,3.6 c-40.8,0-73.9,36.4-73.9,81.4C1,184.6-0.1,220.2,0,255.8C-0.1,291.4,1,327,3.4,362.7c0,45,33.1,81.5,73.9,81.5 c58.2,2.7,117.9,3.9,178.6,3.8c60.8,0.2,120.3-1,178.6-3.8c40.9,0,74-36.5,74-81.5c2.4-35.7,3.5-71.3,3.4-107 C512.1,220.1,511,184.5,508.6,148.8z M207,353.9V157.4l145,98.2L207,353.9z"></path> </g> </symbol> <symbol id="mono-icon-rss" viewBox="0 0 24 24"> <path d="M6.503 20.752c0 1.794-1.456 3.248-3.251 3.248-1.796 0-3.252-1.454-3.252-3.248 0-1.794 1.456-3.248 3.252-3.248 1.795.001 3.251 1.454 3.251 3.248zm-6.503-12.572v4.811c6.05.062 10.96 4.966 11.022 11.009h4.817c-.062-8.71-7.118-15.758-15.839-15.82zm0-3.368c10.58.046 19.152 8.594 19.183 19.188h4.817c-.03-13.231-10.755-23.954-24-24v4.812z"/> </symbol> <symbol id="mono-icon-itunes" viewBox="0 0 24 24"> <path d="M12,0C5.4,0,0,5.4,0,12s5.4,12,12,12s12-5.4,12-12S18.6,0,12,0z M17,15.1c0,0.8-0.7,1.9-2.2,1.9c-1.4,0-1.7-0.9-1.7-1.5 c0-0.7,0.4-1.5,1.8-1.5c1.2,0,1.2-0.3,1.2-0.9V9L9,9.8c0,2.3,0,5.9,0,6.3C9,16.9,8.3,18,6.8,18C5.4,18,5,17.1,5,16.5 C5,15.8,5.5,15,6.8,15C7.9,15,8,14.7,8,14.1V7.5c0-0.3,0.2-0.6,0.6-0.6L16.3,6C16.7,6,17,6.3,17,6.6C17,6.6,17,14.8,17,15.1z"/> </symbol> <symbol id="mono-icon-google-play" viewBox="0 0 24 24"> <path d="M4.6,0.2L15,10.6l2.7-2.7C14,5.7,9.1,2.7,6.9,1.4L5.4,0.5C5.2,0.3,4.9,0.2,4.6,0.2z M3,1.5c0,0.1,0,0.2,0,0.4v20.5 c0,0.1,0,0.2,0,0.2L13.6,12L3,1.5z M19.4,9l-3,3l3,3c1.6-1,2.7-1.6,2.8-1.7c0.5-0.3,0.8-0.8,0.8-1.4c0-0.5-0.3-1-0.8-1.3 C22.1,10.6,21,9.9,19.4,9z M15,13.4L4.7,23.8c0.2,0,0.4-0.1,0.6-0.2c0.3-0.2,7.5-4.5,12.4-7.5L15,13.4z"/> </symbol> <symbol id="mono-icon-applenews" viewBox="0 0 32 32"> <svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" version="1.1" id="Artwork" x="0px" y="0px" width="32" height="32" viewBox="0 0 79.37009 79.37008" enable-background="new 0 0 79.37009 79.37008" xml:space="preserve"> <g> <path fill="#FFFFFF" d="M54.92133,1.104l2.45795,0.00527c0.79079,0.00481,1.58151,0.01393,2.37211,0.03528 c1.50819,0.04077,3.28744,0.12511,5.04884,0.44173c1.70971,0.30731,3.23051,0.80781,4.64934,1.53006 c1.45724,0.74185,2.78322,1.70511,3.94114,2.86306c1.15791,1.15788,2.12105,2.48365,2.86268,3.94046 c0.72269,1.41956,1.22343,2.9412,1.53081,4.65189c0.31631,1.76056,0.4006,3.53926,0.44137,5.04704 c0.02135,0.79058,0.03042,1.58122,0.03526,2.37199c0.00537,0.8865,0.00532,1.7729,0.00529,2.65942v0.17777v29.71411v0.17776 c0.00002,0.88655,0.00008,1.77295-0.00529,2.65942c-0.00484,0.79079-0.01391,1.58144-0.03526,2.37202 c-0.04076,1.50778-0.12506,3.28648-0.44137,5.04704c-0.30738,1.71069-0.80812,3.23233-1.53081,4.65189 c-0.74163,1.4568-1.7048,2.78259-2.86266,3.94053c-1.15797,1.15791-2.48396,2.12117-3.94116,2.86299 c-1.41883,0.72225-2.93963,1.22276-4.64934,1.53006c-1.7614,0.31662-3.54065,0.40097-5.04889,0.44173 c-0.79055,0.02135-1.58127,0.03046-2.37202,0.03528l-2.458,0.00527h-0.37919H24.828h-0.3792l-2.45796-0.00527 c-0.79085-0.00481-1.58149-0.01393-2.37209-0.03528c-1.5082-0.04076-3.28749-0.12511-5.04886-0.44173 c-1.70972-0.3073-3.23053-0.80781-4.64935-1.53006c-1.4571-0.74175-2.78309-1.70502-3.94114-2.86296 c-1.15791-1.15797-2.12106-2.4838-2.86267-3.94056c-0.72276-1.41965-1.22349-2.9413-1.53081-4.65189 c-0.31637-1.76087-0.40064-3.53942-0.44137-5.04696c-0.02132-0.7906-0.03043-1.5813-0.03525-2.37209 c-0.00537-0.88284-0.00533-1.76559-0.00531-2.64845v-0.18874V24.82797v-0.18874c-0.00002-0.88284-0.00006-1.76558,0.00531-2.64843 c0.00482-0.79079,0.01393-1.58149,0.03525-2.37206c0.04073-1.50756,0.125-3.28612,0.44141-5.04699 c0.30728-1.7106,0.80801-3.23224,1.53077-4.65189C3.85834,8.46305,4.82148,7.13733,5.97934,5.9794 c1.15807-1.158,2.48408-2.12129,3.9412-2.86306c1.41882-0.72226,2.93963-1.22276,4.64935-1.53006 c1.76137-0.31662,3.54066-0.40097,5.04889-0.44173c0.79058-0.02135,1.58121-0.03047,2.37204-0.03528L24.4488,1.104h0.3792h29.71413 H54.92133"> </path> <g> <g> <defs> <linearGradient id="SVGID_1_" gradientUnits="userSpaceOnUse" x1="39.6791" y1="64.48307" x2="39.6791" y2="14.87516"> <stop offset="0" style="stop-color:#FD3159"></stop> <stop offset="1" style="stop-color:#FD5464"></stop> </linearGradient> </defs> <path fill-rule="evenodd" clip-rule="evenodd" fill=red d="M14.87511,42.68384v15.04736l0.00007,2.05833 c0,0.17915-0.00007,0.35847,0.00109,0.53762c0.00079,0.15087,0.00255,0.30185,0.00658,0.45279 c0.00893,0.32877,0.02834,0.66048,0.08678,0.98571c0.05927,0.32986,0.15597,0.63693,0.3085,0.9366 c0.15001,0.29461,0.34577,0.56431,0.57942,0.79803c0.23359,0.23362,0.50303,0.42957,0.7975,0.57949 c0.29973,0.15266,0.60684,0.24953,0.93683,0.30883c0.32487,0.0585,0.65635,0.07775,0.98492,0.08668 c0.15088,0.0041,0.30175,0.00579,0.45266,0.00678c0.17902,0.00102,0.35814,0.00096,0.53732,0.00096l2.05754,0.00006h15.05007 c0.43255,0,0.57376-0.5815,0.18891-0.77891c-9.19414-4.71637-16.4929-12.01512-21.20926-21.2092 c-0.07931-0.15464-0.22062-0.2244-0.36134-0.2244C15.0832,42.27057,14.87511,42.42505,14.87511,42.68384 M19.57666,14.87516 c-0.17955,0-0.35903,0.00007-0.53855,0.00109c-0.15114,0.00086-0.30234,0.00271-0.45348,0.00678 c-0.3294,0.00893-0.66177,0.02828-0.98746,0.08681c-0.33042,0.05953-0.63802,0.15627-0.93822,0.30896 c-0.29517,0.15031-0.56523,0.3464-0.79938,0.58048c-0.23405,0.23408-0.43037,0.50395-0.58045,0.79879 c-0.15299,0.30039-0.24996,0.60803-0.30939,0.93842c-0.0585,0.32559-0.07788,0.65764-0.08688,0.98677 c-0.004,0.15104-0.00579,0.30215-0.00658,0.45325c-0.00109,0.1514-0.00116,0.30287-0.00116,0.45424v0.08407v6.19574 c0,1.26444,0.24589,1.91903,1.18322,2.85649l34.6729,34.67277c0.9492,0.94923,1.59483,1.18325,2.85649,1.18325h6.19382 c0.17942,0,0.35906,0,0.53854-0.00112c0.15121-0.00089,0.30231-0.00265,0.45352-0.00681 c0.32949-0.00887,0.6617-0.02821,0.9874-0.08678c0.33052-0.05943,0.63806-0.15627,0.93829-0.30899 c0.29517-0.15031,0.5652-0.34636,0.79922-0.58044c0.23428-0.23415,0.43047-0.50392,0.58064-0.79876 c0.15302-0.30039,0.24992-0.60803,0.30939-0.93845c0.05851-0.32546,0.07792-0.65751,0.08675-0.98674 c0.0041-0.15104,0.00588-0.30208,0.00674-0.45345c0.00099-0.152,0.00106-0.30433,0.00106-0.45659V53.5878 c0-1.26464-0.24583-1.91917-1.18325-2.85659l-34.6728-34.67281c-0.9492-0.94917-1.59493-1.18318-2.85653-1.18325H19.57666 M42.68392,14.87516c-0.43265,0-0.57386,0.5815-0.18907,0.77891c9.19424,4.71633,16.49287,12.01505,21.20926,21.20919 c0.19747,0.38499,0.77898,0.24368,0.77898-0.189V21.62697l-0.00017-2.05833c0-0.17912,0.00017-0.3584-0.00089-0.53758 c-0.00086-0.15097-0.00265-0.30185-0.00681-0.45272c-0.00883-0.32893-0.02811-0.66058-0.08662-0.98574 c-0.0593-0.32993-0.15604-0.63697-0.30859-0.93663c-0.14982-0.2947-0.34577-0.56424-0.57932-0.79793 c-0.23372-0.23372-0.50299-0.42961-0.79753-0.57959c-0.29976-0.15269-0.60684-0.24949-0.9368-0.30876 c-0.32486-0.05847-0.65638-0.07785-0.98495-0.08678c-0.15081-0.00394-0.30169-0.00579-0.45256-0.00665 c-0.17915-0.00109-0.35833-0.00103-0.53738-0.00103l-2.05761-0.00007H42.68392"> </path> </g> </g> </g> </svg> </symbol> <symbol id="mono-icon-googlenews" viewBox="0 0 30 30"> <path d="M25.4534575,17.7594871 C25.4534575,18.2049763 25.0861243,18.5698672 24.6372157,18.5698672 L7.36131888,18.5698672 C6.91241032,18.5698672 6.54507709,18.2049763 6.54507709,17.7594871 L6.54507709,0.810380095 C6.54507709,0.364890856 6.91241032,0 7.36131888,0 L24.6377042,0 C25.0866127,0 25.453946,0.364890856 25.453946,0.810380095 L25.453946,17.7594871 L25.4534575,17.7594871 Z" id="Path" fill="#0C9D58"/> <polygon id="Path" fill="#004D40" opacity="0.2" points="25.4534575 4.35719737 18.9787208 3.52385895 25.4534575 5.2608762"/> <path d="M10.7376584,17.2387727 C10.6209128,17.674004 10.8539154,18.1180278 11.2554419,18.2254923 L27.2569073,22.5289574 C27.6584338,22.6364219 28.0824302,22.3682491 28.1986872,21.9330179 L31.9682491,7.86493665 C32.0849947,7.42970539 31.8519921,6.98568158 31.4504656,6.87821707 L15.4490002,2.57475195 C15.0474737,2.46728744 14.6234773,2.73546024 14.5072203,3.1706915 L10.7376584,17.2387727 Z" id="Path" fill="#EA4335"/> <path d="M23.339826,15.5061517 C23.4936956,15.9296596 23.3002595,16.3922455 22.9099679,16.5343917 L6.02485117,22.6798962 C5.63407113,22.8220424 5.1885819,22.5919707 5.03471226,22.1684628 L0.0532437796,8.4823691 C-0.100625859,8.05886124 0.092810258,7.59627538 0.483101817,7.45412914 L17.3682186,1.30862464 C17.7589986,1.1664784 18.2044879,1.39655015 18.3583575,1.82005801 L23.339826,15.5061517 Z" id="Path" fill="#FFC107"/> <path d="M28.3628148,25.3626011 C28.3628148,25.8124866 27.9945047,26.1807968 27.5446191,26.1807968 L4.45440391,26.1807968 C4.00451839,26.1807968 3.63620821,25.8124866 3.63620821,25.3626011 L3.63620821,7.9088994 C3.63620821,7.45901389 4.00451839,7.09070371 4.45440391,7.09070371 L27.5446191,7.09070371 C27.9945047,7.09070371 28.3628148,7.45901389 28.3628148,7.9088994 L28.3628148,25.3626011 Z" id="Path" fill="#4285F4"/> <path d="M23.9538391,13.9996947 L17.0448481,13.9996947 L17.0448481,12.1815906 L23.9538391,12.1815906 C24.1546024,12.1815906 24.3172645,12.3442528 24.3172645,12.545016 L24.3172645,13.6357808 C24.3172645,13.836544 24.1546024,13.9996947 23.9538391,13.9996947 Z" id="Path" fill="#FFFFFF"/> <path d="M23.9538391,20.9081972 L17.0448481,20.9081972 L17.0448481,19.0900931 L23.9538391,19.0900931 C24.1546024,19.0900931 24.3172645,19.2527553 24.3172645,19.4535185 L24.3172645,20.5442833 C24.3172645,20.745535 24.1546024,20.9081972 23.9538391,20.9081972 Z" id="Path" fill="#FFFFFF"/> <path d="M25.0446039,17.4537017 L17.0448481,17.4537017 L17.0448481,15.6355976 L25.0446039,15.6355976 C25.2453671,15.6355976 25.4080293,15.7982598 25.4080293,15.999023 L25.4080293,17.0897878 C25.4080293,17.2910395 25.2453671,17.4537017 25.0446039,17.4537017 Z" id="Path" fill="#FFFFFF"/> <path d="M27.5446191,25.9990841 L4.45440391,25.9990841 C4.00451839,25.9990841 3.63620821,25.6307739 3.63620821,25.1808884 L3.63620821,25.3626011 C3.63620821,25.8124866 4.00451839,26.1807968 4.45440391,26.1807968 L27.5446191,26.1807968 C27.9945047,26.1807968 28.3628148,25.8124866 28.3628148,25.3626011 L28.3628148,25.1808884 C28.3628148,25.6307739 27.9945047,25.9990841 27.5446191,25.9990841 Z" id="Path" fill="#1A237E" opacity="0.2"/> <path d="M10.8631965,15.8177988 L10.8631965,17.4576095 L13.2161807,17.4576095 C13.0217677,18.456541 12.1434895,19.1809495 10.8631965,19.1809495 C9.43489544,19.1809495 8.27672111,17.9729507 8.27672111,16.5446497 C8.27672111,15.1163486 9.43489544,13.9083499 10.8631965,13.9083499 C11.5065181,13.9083499 12.0824302,14.1296291 12.5372004,14.5629064 L12.5372004,14.5638834 L13.7823233,13.3187605 C13.0261639,12.613891 12.0399328,12.1815906 10.862708,12.1815906 C8.4530606,12.1815906 6.49916043,14.1350023 6.49916043,16.5451381 C6.49916043,18.955274 8.45257213,20.9086857 10.862708,20.9086857 C13.3827507,20.9086857 15.040635,19.1369867 15.040635,16.6442986 C15.040635,16.3585407 15.0142574,16.0830408 14.97176,15.8177988 L10.8631965,15.8177988 Z" id="Path" fill="#FFFFFF"/> <path d="M31.4509541,6.87821707 L25.453946,5.26527248 L25.453946,0.810380095 C25.453946,0.364890856 25.0866127,0 24.6377042,0 L7.36131888,0 C6.91241032,0 6.54507709,0.364890856 6.54507709,0.810380095 L6.54507709,5.24768738 L0.483101817,7.45412914 C0.0923217829,7.59627538 -0.101114334,8.05886124 0.0532437796,8.4823691 L3.63620821,18.3270951 L3.63620821,25.3626011 C3.63620821,25.8124866 4.00451839,26.1807968 4.45440391,26.1807968 L27.5446191,26.1807968 C27.9945047,26.1807968 28.3628148,25.8124866 28.3628148,25.3626011 L28.3628148,21.323401 L31.9692261,7.86493665 C32.0854831,7.42970539 31.8524805,6.98568158 31.4509541,6.87821707 Z" id="Path" fill="url(#radialGradient-1)"/> </symbol> <symbol id="icon-magnify" viewBox="0 0 512 512"> <g> <path d="M337.509,305.372h-17.501l-6.571-5.486c20.791-25.232,33.922-57.054,33.922-93.257 C347.358,127.632,283.896,64,205.135,64C127.452,64,64,127.632,64,206.629s63.452,142.628,142.225,142.628 c35.011,0,67.831-13.167,92.991-34.008l6.561,5.487v17.551L415.18,448L448,415.086L337.509,305.372z M206.225,305.372 c-54.702,0-98.463-43.887-98.463-98.743c0-54.858,43.761-98.742,98.463-98.742c54.7,0,98.462,43.884,98.462,98.742 C304.687,261.485,260.925,305.372,206.225,305.372z"></path> </g> </symbol> <symbol id="mono-icon-arrow-right" viewBox="0 0 24 24"> <g> <path d="M12.2929 5.29289C12.6834 4.90237 13.3166 4.90237 13.7071 5.29289L19.7071 11.2929C19.8946 11.4804 20 11.7348 20 12C20 12.2652 19.8946 12.5196 19.7071 12.7071L13.7071 18.7071C13.3166 19.0976 12.6834 19.0976 12.2929 18.7071C11.9024 18.3166 11.9024 17.6834 12.2929 17.2929L16.5858 13L5 13C4.44772 13 4 12.5523 4 12C4 11.4477 4.44772 11 5 11L16.5858 11L12.2929 6.70711C11.9024 6.31658 11.9024 5.68342 12.2929 5.29289Z"/> </g> </symbol> <symbol id="burger-menu" viewBox="0 0 14 10"> <g> <path fill-rule="evenodd" d="M0 5.5v-1h14v1H0zM0 1V0h14v1H0zm0 9V9h14v1H0z"></path> </g> </symbol> <symbol id="close-x" viewBox="0 0 14 14"> <g> <path fill-rule="nonzero" d="M6.336 7L0 .664.664 0 7 6.336 13.336 0 14 .664 7.664 7 14 13.336l-.664.664L7 7.664.664 14 0 13.336 6.336 7z"> </path> </g> </symbol> <symbol id="share-more-arrow" viewBox="0 0 2 10" style="enable-background:new 0 0 2 10;"> <g> <g> <path class="st0" d="M0,10h2V8H0V10z M0,6h2V4H0V6z M0,2h2V0H0V2z"/> </g> </g> </symbol> <symbol id="chevron" viewBox="0 0 100 100"> <g> <path d="M22.4566257,37.2056786 L-21.4456527,71.9511488 C-22.9248661,72.9681457 -24.9073712,72.5311671 -25.8758148,70.9765924 L-26.9788683,69.2027424 C-27.9450684,67.6481676 -27.5292733,65.5646602 -26.0500598,64.5484493 L20.154796,28.2208967 C21.5532435,27.2597011 23.3600078,27.2597011 24.759951,28.2208967 L71.0500598,64.4659264 C72.5292733,65.4829232 72.9450684,67.5672166 71.9788683,69.1217913 L70.8750669,70.8956413 C69.9073712,72.4502161 67.9241183,72.8848368 66.4449048,71.8694118 L22.4566257,37.2056786 Z" id="Transparent-Chevron" transform="translate(22.500000, 50.000000) rotate(90.000000) translate(-22.500000, -50.000000) "></path> </g> </symbol> <symbol id="icon-checkmark-small" viewBox="0 0 55 43"> <g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <polygon id="Path" fill="#FFFFFF" points="0.515858968 25.0138957 5.11365509 20.4160995 17.5962448 32.8986893 50.1518809 0.343053182 54.9947739 5.18594615 17.5962448 42.5844752"></polygon> </g> </symbol> <symbol id="icon-refresh" viewBox="0 0 32 32"> <g stroke="none" fill="#000000" fill-rule="evenodd"> <path d="M24.9,19.6c-1.4,3.7-5,6.3-9.2,6.3c-5.5,0-9.9-4.4-9.9-9.9s4.4-9.9,9.9-9.9c3.2,0,6.1,1.5,7.9,3.9h-3.9v2h7V5h-2v3 c-2.2-2.5-5.4-4-9-4C9,3.9,3.6,9.3,3.6,16S9,28.1,15.6,28.1c5.1,0,9.5-3.2,11.2-7.7L24.9,19.6z"/> </g> </symbol> <symbol id="play-arrow" viewBox="0 0 30 30"> <g fill="none" fill-rule="evenodd"> <path d="M9 9l12 6-12 6z"></path> </g> </symbol> <symbol id="bookmark" viewBox="0 0 9 12"> <g> <path fill="none" fill-rule="evenodd" d="M.5.5v10.997l3.431-2.374a1 1 0 0 1 1.138 0L8.5 11.497V.5h-8z"> </path> </g> </symbol> <symbol id="share-alt" viewBox="0 0 448 512"> <g> <path d="M352 320c-28.6 0-54.2 12.5-71.8 32.3l-95.5-59.7c9.6-23.4 9.7-49.8 0-73.2l95.5-59.7c17.6 19.8 43.2 32.3 71.8 32.3 53 0 96-43 96-96S405 0 352 0s-96 43-96 96c0 13 2.6 25.3 7.2 36.6l-95.5 59.7C150.2 172.5 124.6 160 96 160c-53 0-96 43-96 96s43 96 96 96c28.6 0 54.2-12.5 71.8-32.3l95.5 59.7c-4.7 11.3-7.2 23.6-7.2 36.6 0 53 43 96 96 96s96-43 96-96c-.1-53-43.1-96-96.1-96zm0-288c35.3 0 64 28.7 64 64s-28.7 64-64 64-64-28.7-64-64 28.7-64 64-64zM96 320c-35.3 0-64-28.7-64-64s28.7-64 64-64 64 28.7 64 64-28.7 64-64 64zm256 160c-35.3 0-64-28.7-64-64s28.7-64 64-64 64 28.7 64 64-28.7 64-64 64z"> </path> </g> </symbol> <symbol id="heart" viewBox="0 0 14 12"> <g> <path fill="none" fill-rule="evenodd" d="M10.24.5c-1.098 0-2.152.576-2.808 1.7L7 2.938l-.432-.74C5.912 1.076 4.858.5 3.76.5 1.996.5.5 1.899.5 3.859.5 5.2 1.644 6.912 3.57 8.747a27.774 27.774 0 0 0 3.373 2.738A.099.099 0 0 0 7 11.5a.104.104 0 0 0 .061-.018 27.75 27.75 0 0 0 3.368-2.735C12.356 6.912 13.5 5.201 13.5 3.859 13.5 1.899 12.003.5 10.24.5z"> </path> </g> </symbol> <symbol id="grid" viewBox="0 0 32 32"> <g> <path d="M6.4,5.7 C6.4,6.166669 6.166669,6.4 5.7,6.4 L0.7,6.4 C0.233331,6.4 0,6.166669 0,5.7 L0,0.7 C0,0.233331 0.233331,0 0.7,0 L5.7,0 C6.166669,0 6.4,0.233331 6.4,0.7 L6.4,5.7 Z M19.2,5.7 C19.2,6.166669 18.966669,6.4 18.5,6.4 L13.5,6.4 C13.033331,6.4 12.8,6.166669 12.8,5.7 L12.8,0.7 C12.8,0.233331 13.033331,0 13.5,0 L18.5,0 C18.966669,0 19.2,0.233331 19.2,0.7 L19.2,5.7 Z M32,5.7 C32,6.166669 31.766669,6.4 31.3,6.4 L26.3,6.4 C25.833331,6.4 25.6,6.166669 25.6,5.7 L25.6,0.7 C25.6,0.233331 25.833331,0 26.3,0 L31.3,0 C31.766669,0 32,0.233331 32,0.7 L32,5.7 Z M6.4,18.5 C6.4,18.966669 6.166669,19.2 5.7,19.2 L0.7,19.2 C0.233331,19.2 0,18.966669 0,18.5 L0,13.5 C0,13.033331 0.233331,12.8 0.7,12.8 L5.7,12.8 C6.166669,12.8 6.4,13.033331 6.4,13.5 L6.4,18.5 Z M19.2,18.5 C19.2,18.966669 18.966669,19.2 18.5,19.2 L13.5,19.2 C13.033331,19.2 12.8,18.966669 12.8,18.5 L12.8,13.5 C12.8,13.033331 13.033331,12.8 13.5,12.8 L18.5,12.8 C18.966669,12.8 19.2,13.033331 19.2,13.5 L19.2,18.5 Z M32,18.5 C32,18.966669 31.766669,19.2 31.3,19.2 L26.3,19.2 C25.833331,19.2 25.6,18.966669 25.6,18.5 L25.6,13.5 C25.6,13.033331 25.833331,12.8 26.3,12.8 L31.3,12.8 C31.766669,12.8 32,13.033331 32,13.5 L32,18.5 Z M6.4,31.3 C6.4,31.766669 6.166669,32 5.7,32 L0.7,32 C0.233331,32 0,31.766669 0,31.3 L0,26.3 C0,25.833331 0.233331,25.6 0.7,25.6 L5.7,25.6 C6.166669,25.6 6.4,25.833331 6.4,26.3 L6.4,31.3 Z M19.2,31.3 C19.2,31.766669 18.966669,32 18.5,32 L13.5,32 C13.033331,32 12.8,31.766669 12.8,31.3 L12.8,26.3 C12.8,25.833331 13.033331,25.6 13.5,25.6 L18.5,25.6 C18.966669,25.6 19.2,25.833331 19.2,26.3 L19.2,31.3 Z M32,31.3 C32,31.766669 31.766669,32 31.3,32 L26.3,32 C25.833331,32 25.6,31.766669 25.6,31.3 L25.6,26.3 C25.6,25.833331 25.833331,25.6 26.3,25.6 L31.3,25.6 C31.766669,25.6 32,25.833331 32,26.3 L32,31.3 Z" id=""></path> </g> </symbol> <symbol id="filter" viewBox="0 0 16 12"> <path d="M0 2V0h16v2H0zm2.4 5V5h11.2v2H2.4zm2.4 5v-2h6.4v2H4.8z"></path> </symbol> <symbol id="arrow-right" viewBox="0 0 448 512"> <g> <path d="M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z"> </path> </g> </symbol> <symbol id="plus" viewBox="0 0 448 512"> <g> <path d="M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z"> </path> </g> </symbol> <symbol id="minus" viewBox="0 0 448 512"> <g> <path d="M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z"> </path> </g> </symbol> <symbol id="mono-icon-author" viewBox="-2 0 16 16"> <title>Author</title> <g xmlns="http://www.w3.org/2000/svg" id="latest_mocks_052021" stroke="none" stroke-width="1" fill-rule="evenodd"> <path d="M8.81407895,2.85726316 C8.81407895,4.43542105 7.51539474,5.71436842 5.91592105,5.71436842 C4.31486842,5.71436842 3.01697368,4.43542105 3.0177628,2.85726316 C3.0177628,1.27910526 4.31565789,0.000157894737 5.91592105,0.000157894737 C7.51618421,0.000157894737 8.81407895,1.27910526 8.81407895,2.85726316 L8.81407895,2.85726316 Z M11.8417105,14.9575263 L11.8425,11.4372632 C11.8425,9.207 9.99197368,7.38252632 7.73013158,7.38252632 L4.11197368,7.38252632 C1.85092105,7.38252632 0.000394736842,9.20621053 0.000394736842,11.4364737 L-0.000394736842,14.9567368 L11.8417105,14.9575263 Z" id="Fill-1"/> </g> </symbol> <symbol id="preview-icon" width="24" height="24" viewBox="0 0 24 24"> <path d="M12.06,8.91A5.29,5.29,0,0,1,16.9,12,5.61,5.61,0,0,1,12,15.09,5.52,5.52,0,0,1,7.1,12,5.37,5.37,0,0,1,12,8.91h.07m0-1H12A6.46,6.46,0,0,0,6,12a6.69,6.69,0,0,0,6,4.09A6.77,6.77,0,0,0,18,12a6.4,6.4,0,0,0-5.94-4.09Z" fill="#1969A0"/><circle cx="12" cy="12" r="1.71" fill="#1969A0"/> <path d="M9,21H6a3,3,0,0,1-3-3V15" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <path d="M21,15v3a3,3,0,0,1-3,3H15" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <path d="M15,3h3a3,3,0,0,1,3,3V9" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <path d="M3,9V6A3,3,0,0,1,6,3H9" fill="none" stroke="#1969A0" stroke-miterlimit="10"/> <rect width="24" height="24" fill="none"/> </symbol> <symbol id="toggle-on" viewBox="0 0 54 31"> <defs> <circle id="path-1" cx="39" cy="15" r="12"></circle> <filter x="-16.7%" y="-8.3%" width="133.3%" height="133.3%" filterUnits="objectBoundingBox" id="filter-2"> <feOffset dx="0" dy="2" in="SourceAlpha" result="shadowOffsetOuter1"></feOffset> <feGaussianBlur stdDeviation="1" in="shadowOffsetOuter1" result="shadowBlurOuter1"></feGaussianBlur> <feColorMatrix values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.3 0" type="matrix" in="shadowBlurOuter1"></feColorMatrix> </filter> </defs> <g id="Pref-Center-Newsletters-for-Build_Q1-2023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="02a_Desktop-HD_Newsletter_selection_v5_ALT" transform="translate(-1266.000000, -1812.000000)"> <g id="02_ediitorial-newsletters" transform="translate(100.000000, 1164.000000)"> <g id="nl_card_08" transform="translate(960.000000, 414.000000)"> <g id="toggle_on" transform="translate(206.000000, 234.000000)"> <rect id="Rectangle-50-Copy-14" stroke="#1969A0" fill="#1969A0" x="0.5" y="0.5" width="53" height="29" rx="14.5"></rect> <g> <use fill="black" fill-opacity="1" filter="url(#filter-2)" xlink:href="#path-1"></use> <use fill="#FFFFFF" fill-rule="evenodd" xlink:href="#path-1"></use> </g> </g> </g> </g> </g> </g> </symbol> <symbol id="toggle-off" viewBox="0 0 54 31"> <defs> <circle id="path-1" cx="15" cy="15" r="12"></circle> <filter x="-16.7%" y="-8.3%" width="133.3%" height="133.3%" filterUnits="objectBoundingBox" id="filter-2"> <feOffset dx="0" dy="2" in="SourceAlpha" result="shadowOffsetOuter1"></feOffset> <feGaussianBlur stdDeviation="1" in="shadowOffsetOuter1" result="shadowBlurOuter1"></feGaussianBlur> <feColorMatrix values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.3 0" type="matrix" in="shadowBlurOuter1"></feColorMatrix> </filter> </defs> <g id="PC_Updates_033023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Desktop-HD_Newsletter_management_for_FINAL-copy-edits" transform="translate(-306.000000, -3530.000000)"> <g id="community_section" transform="translate(99.000000, 2758.000000)"> <g id="com_card_05" transform="translate(1.000000, 538.000000)"> <g id="toggle_off" transform="translate(206.000000, 234.000000)"> <rect id="Rectangle-50-Copy-14" stroke="#D8D8D8" fill="#D8D8D8" x="0.5" y="0.5" width="53" height="29" rx="14.5"></rect> <g> <use fill="black" fill-opacity="1" filter="url(#filter-2)" xlink:href="#path-1"></use> <use fill="#FFFFFF" fill-rule="evenodd" xlink:href="#path-1"></use> </g> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_window_close_x" viewBox="0 0 14 14"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-923, -767)" fill="#666666" fill-rule="nonzero"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="Filter_drop-down" transform="translate(500, 38)"> <polygon id="close_x_icon" points="337 27.41 335.59 26 330 31.59 324.41 26 323 27.41 328.59 33 323 38.59 324.41 40 330 34.41 335.59 40 337 38.59 331.41 33"></polygon> </g> </g> </g> </g> </symbol> <symbol id="icon_topic_filter_default" viewBox="0 0 14 10"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-929, -716)" fill="#666666" fill-rule="nonzero"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="btn_filter" transform="translate(759, 0)"> <g id="filter_list_FILL0_wght400_GRAD0_opsz48" transform="translate(70, 13)"> <path d="M5.44444444,9.33333333 L5.44444444,8.16666667 L8.55555556,8.16666667 L8.55555556,9.33333333 L5.44444444,9.33333333 Z M2.33333333,5.25 L2.33333333,4.08333333 L11.6666667,4.08333333 L11.6666667,5.25 L2.33333333,5.25 Z M0,1.16666667 L0,0 L14,0 L14,1.16666667 L0,1.16666667 Z" id="Shape"></path> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_topic_filter_selected" viewBox="0 0 14 10"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-929, -716)" fill="#C0C0C0" fill-rule="nonzero"> <g id="Filter_functionality" transform="translate(100, 703)"> <g transform="translate(759, 0)" id="btn_filter-selected"> <g id="filter_list_FILL0_wght400_GRAD0_opsz48" transform="translate(70, 13)"> <path d="M5.44444444,9.33333333 L5.44444444,8.16666667 L8.55555556,8.16666667 L8.55555556,9.33333333 L5.44444444,9.33333333 Z M2.33333333,5.25 L2.33333333,4.08333333 L11.6666667,4.08333333 L11.6666667,5.25 L2.33333333,5.25 Z M0,1.16666667 L0,0 L14,0 L14,1.16666667 L0,1.16666667 Z" id="Shape"></path> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_filter_selected_checked" viewBox="0 0 20 20"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-623, -825)"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="Filter_drop-down" transform="translate(500, 38)"> <g id="Group-4" transform="translate(24, 85)"> <rect id="Rectangle" stroke="#333333" fill="#333333" x="0" y="0" width="18" height="18"></rect> <g id="checkmark" transform="translate(4, 5)" fill="#FFFFFF" stroke="#FFFFFF"> <polygon id="icon-checkmark" points="9.20384615 0 3.18461538 6.08038462 0.796153846 3.67307692 0 4.47692308 3.17692308 7.69230769 10 0.803846154"></polygon> </g> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_filter_unselected_unchecked" viewBox="0 0 20 20"> <g id="QuoteMedia_v4_09112023" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="01a2_DesktopHD_QuoteMedia_Topic-Page-Plus" transform="translate(-623, -859)" fill="#FFFFFF" stroke="#666666"> <g id="Filter_functionality" transform="translate(100, 703)"> <g id="Filter_drop-down" transform="translate(500, 38)"> <g id="filter-row-copy" transform="translate(24, 119)"> <rect id="Rectangle" x="0" y="0" width="18" height="18"></rect> </g> </g> </g> </g> </g> </symbol> <symbol id="icon_angle_down" viewBox="0 0 448 512"> <path d="M201.4 374.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 306.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z"/> </g> </symbol> <symbol id="icon_grid" viewBox="0 0 512 512"> <path d="M80 80l0 96 96 0 0-96L80 80zM32 32l48 0 96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48zM80 336l0 96 96 0 0-96-96 0zM32 288l48 0 96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48zM432 80l-96 0 0 96 96 0 0-96zM336 32l96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48 48 0zm0 304l0 96 96 0 0-96-96 0zm-48-48l48 0 96 0 48 0 0 48 0 96 0 48-48 0-96 0-48 0 0-48 0-96 0-48z"/> </symbol> <symbol id="icon_close_strong" viewBox="0 0 384 512"> <path d="M342.6 150.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L192 210.7 86.6 105.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L146.7 256 41.4 361.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0L192 301.3 297.4 406.6c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L237.3 256 342.6 150.6z"/> </symbol> <symbol id="icon_caret" viewBox="0 0 448 512"> <path d="M201.4 374.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 306.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z"/> </symbol> <symbol id="icon_chevron" viewBox="0 0 320 512"> <path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z"/> </symbol> <symbol id="icon_bullet" viewBox="0 0 8 8"> <circle cx="4" cy="4" r="4"/> </symbol> </svg> <ps-header class="Page-header"> <div class="Page-header-top-bar"> <div class="Page-header-hamburger-menu"> <div class="Page-header-hamburger-menu-wrapper"> <div class="Page-header-hamburger-menu-content"> <nav class="NavigationButtons" data-fragment-uri="/payments/news/visa-beats-forecasts-on-revenue-and-earnings?_fragmentId=00000173-a1f6-d693-ab73-a1feef13000a&_fragmentParent=00000173-a1f6-d693-ab73-a1feef13000a&_fragmentSignature=ddc6d4fe72dbfd4d42052fa6e71551e8daf93661&_fragmentContext=WyIvY29yZS9hcnRpY2xlL0FydGljbGVQYWdlLmhicyIsIm5hdmlnYXRpb24iLCJuYXZpZ2F0aW9uOjAiLCIvY29yZS9uYXZpZ2F0aW9uL05hdmlnYXRpb24uaGJzIiwiZnJhZ21lbnRVcmkiXQ%3D%3D" data-nav data-nav-type="buttons" data-visible="false" data-user-state="anonymous"> <div class="NavigationButtons-buttons" data-has-piano-id-button="true"> <div class="NavigationButtons-buttons-button"> <ps-piano class="NavigationLink" button-type="login">Log In</ps-piano> </div> <div class="NavigationButtons-buttons-button"> <a class="NavigationLink" href="https://www.americanbanker.com/subscribe" target="_self">Subscribe</a> </div> </div> </nav> <nav class="Navigation" data-nav data-nav-type="default"> <ul class="Navigation-items"> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-n9u99" id="NavigationItem-n9u99"> <div class="NavigationItem-text"> <label for="NavigationItem-n9u99"><span>Banking</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-n9u99"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/commercial-banking">Commercial</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/consumer-banking">Consumer</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/community-banking">Community</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/industry-news">Industry & People News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/mergers-and-acquisitions">M&A</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/small-business-banking">Small business</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/earnings">Earnings</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ranking-the-banks">Bank Industry Data</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/commercial-banking">Commercial</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/consumer-banking">Consumer</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/community-banking">Community</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/industry-news">Industry & People News</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/mergers-and-acquisitions">M&A</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/small-business-banking">Small business</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/earnings">Earnings</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ranking-the-banks">Bank Industry Data</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-7fha3" id="NavigationItem-7fha3"> <div class="NavigationItem-text"> <label for="NavigationItem-7fha3"><span>POLICY</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-7fha3"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/politics-and-policy">Politics & policy</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/regulation-and-compliance">Regulation & compliance</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/organization/federal-reserve">Federal Reserve</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cfpb-news">CFPB News & Analysis</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/fraud">Fraud</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/politics-and-policy">Politics & policy</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/regulation-and-compliance">Regulation & compliance</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/organization/federal-reserve">Federal Reserve</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cfpb-news">CFPB News & Analysis</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/fraud">Fraud</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-t6q0e" id="NavigationItem-t6q0e"> <div class="NavigationItem-text"> <label for="NavigationItem-t6q0e"><span>PAYMENTS</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-t6q0e"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments" target="_self">Payments Home</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/cryptocurrency">Cryptocurrency</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/digital-payments">Digital payments</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/credit-cards">Credit cards</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments" target="_self">Payments Home</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/cryptocurrency">Cryptocurrency</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/digital-payments">Digital payments</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/credit-cards">Credit cards</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-jg26f" id="NavigationItem-jg26f"> <div class="NavigationItem-text"> <label for="NavigationItem-jg26f"><span>TECH</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-jg26f"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/technology">Technology</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/digital-banking">Digital banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/fintech">Fintech</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cyber-security">Cyber security</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/artificial-intelligence">Artificial intelligence</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/advances-in-tech" target="_self">Advances in Tech</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/technology">Technology</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/digital-banking">Digital banking</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/fintech">Fintech</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cyber-security">Cyber security</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/artificial-intelligence">Artificial intelligence</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/advances-in-tech" target="_self">Advances in Tech</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-xr6k3" id="NavigationItem-xr6k3"> <div class="NavigationItem-text"> <label for="NavigationItem-xr6k3"><span>CREDIT UNIONS</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-xr6k3"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions" target="_self">Credit Unions Home</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/opinion" target="_self">Opinion</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions" target="_self">Credit Unions Home</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/opinion" target="_self">Opinion</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <input type="checkbox" name="NavigationItem-48v7o" id="NavigationItem-48v7o"> <div class="NavigationItem-text"> <label for="NavigationItem-48v7o"><span>WORKPLACE</span></label> <div class="NavigationItem-more"> <label for="NavigationItem-48v7o"><button aria-label="Open Sub Navigation"><svg class="chevron"><use xlink:href="#chevron"></use></svg></button></label> </div> </div> <ul class="NavigationItem-items"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/workforce-management">Workforce management</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/recruiting">Recruiting</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/diversity-and-equality">Diversity & equality</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/esg">ESG</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/compensation">Compensation</a></li> </ul> <ul class="NavigationItem-items-placeholder"> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/workforce-management">Workforce management</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/recruiting">Recruiting</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/diversity-and-equality">Diversity & equality</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/esg">ESG</a></li> <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/compensation">Compensation</a></li> </ul> </div></li> <li class="Navigation-items-item"><div class="NavigationItem"> <div class="NavigationItem-text"> <a class="NavigationItem-text-link" href="https://www.americanbanker.com/bankthink" target="_self">OPINION</a> </div> </div></li> </ul> </nav> <div class="SocialBarHeader"> <table> <tbody> <tr> <td> <label class="SocialBarHeader-text">Follow Us In Real Time</label> </td> <td> <ul class="SocialBarHeader-items"> <li class="SocialBarHeader-items-item" data-social-service="twitter"><a class="SocialLink" rel="noreferrer" href="https://twitter.com/amerbanker" target="_blank" data-social-service="twitter"><svg><use xlink:href="#mono-icon-twitter"></use></svg><span class="sr-only">twitter</span></a></li> <li class="SocialBarHeader-items-item" data-social-service="facebook"><a class="SocialLink" rel="noreferrer" href="https://www.facebook.com/AmericanBanker" target="_blank" data-social-service="facebook"><svg><use xlink:href="#mono-icon-facebook"></use></svg><span class="sr-only">facebook</span></a></li> <li class="SocialBarHeader-items-item" data-social-service="linkedin"><a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/company/american-banker/" target="_blank" data-social-service="linkedin"><svg><use xlink:href="#mono-icon-linkedin"></use></svg><span class="sr-only">linkedin</span></a></li> </ul> </td> </tr> </tbody> </table> </div> <div class="Page-header-disclaimer">© 2024 Arizent. All rights reserved.</div> </div> </div> </div> <button class="Page-header-menu-trigger" aria-expanded="false" tabindex="1"> <svg class="burger-menu"> <use xlink:href="#burger-menu"></use> </svg> <svg class="close-x"> <use xlink:href="#close-x"></use> </svg> <span class="label"> Menu </span> </button> <div class="Page-header-top-bar-logo"><a aria-label="home page" href="https://www.americanbanker.com/" target="_self"> <picture><source width="350" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/e2/8c/2cdaea8b4bd3b94fb449bf8df308/americanbanker-brand-logo-black-no-padding.svg"/><img class="Image" data-image-size="siteLogo" alt="" width="350" height="50" loading="lazy" src="https://arizent.brightspotcdn.com/e2/8c/2cdaea8b4bd3b94fb449bf8df308/americanbanker-brand-logo-black-no-padding.svg"></picture> </a></div> <div class="Page-header-search"> <button class="Page-header-search-button"> <svg class="icon-magnify"> <use xlink:href="#icon-magnify"></use> </svg> <span class="sr-only">Show Search</span> <svg class="close-x"> <use xlink:href="#close-x"></use> </svg> </button> <div class="Page-header-search-overlay"> <form class="Page-header-search-form" action="https://www.americanbanker.com/search#nt=navsearch" novalidate="" autocomplete="off"> <label> <input placeholder="Find your interests" type="text" class="Page-header-search-input" name="q" required="true"> <span class="sr-only">Search Query</span> <button type="submit" class="Page-header-search-submit"> <svg> <use xlink:href="#icon-magnify"></use> </svg> <span class="sr-only">Submit Search</span> </button> </label> </form> </div> </div> <div class="Page-header-navigation-buttons"> <nav class="NavigationButtons" data-fragment-uri="/payments/news/visa-beats-forecasts-on-revenue-and-earnings?_fragmentId=00000173-a1f6-d693-ab73-a1feef13000a&_fragmentParent=00000173-a1f6-d693-ab73-a1feef13000a&_fragmentSignature=ddc6d4fe72dbfd4d42052fa6e71551e8daf93661&_fragmentContext=WyIvY29yZS9hcnRpY2xlL0FydGljbGVQYWdlLmhicyIsIm5hdmlnYXRpb24iLCJuYXZpZ2F0aW9uOjAiLCIvY29yZS9uYXZpZ2F0aW9uL05hdmlnYXRpb24uaGJzIiwiZnJhZ21lbnRVcmkiXQ%3D%3D" data-nav data-nav-type="buttons" data-visible="false" data-user-state="anonymous"> <div class="NavigationButtons-buttons" data-has-piano-id-button="true"> <div class="NavigationButtons-buttons-button"> <ps-piano class="NavigationLink" button-type="login">Log In</ps-piano> </div> <div class="NavigationButtons-buttons-button"> <a class="NavigationLink" href="https://www.americanbanker.com/subscribe" target="_self">Subscribe</a> </div> </div> </nav> </div> </div> <div class="Page-header-bottom-bar"> <div class="Page-header-bottom-bar-navigation"> <nav class="DropdownNavigation" data-fragment-uri="/payments/news/visa-beats-forecasts-on-revenue-and-earnings?_fragmentId=00000173-a1f6-d693-ab73-a1feef13000a&_fragmentParent=00000173-a1f6-d693-ab73-a1feef13000a&_fragmentSignature=ddc6d4fe72dbfd4d42052fa6e71551e8daf93661&_fragmentContext=WyIvY29yZS9hcnRpY2xlL0FydGljbGVQYWdlLmhicyIsIm5hdmlnYXRpb24iLCJuYXZpZ2F0aW9uOjAiLCIvY29yZS9uYXZpZ2F0aW9uL05hdmlnYXRpb24uaGJzIiwiZnJhZ21lbnRVcmkiXQ%3D%3D" data-nav data-nav-type="dropdown" data-user-state="anonymous" data-dropdown-alignment='align-left'> <ul class="DropdownNavigation-items"> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-f9c75" id="DropdownNavigationItem-f9c75" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-f9c75" data-has-content-id> <span>Banking</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-f9c75" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/commercial-banking">Commercial</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/consumer-banking">Consumer</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/community-banking">Community</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/industry-news">Industry & People News</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/mergers-and-acquisitions">M&A</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/small-business-banking">Small business</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/earnings">Earnings</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/ranking-the-banks">Bank Industry Data</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-d5y10" id="DropdownNavigationItem-d5y10" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-d5y10" data-has-content-id> <span>POLICY</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-d5y10" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/politics-and-policy">Politics & policy</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/regulation-and-compliance">Regulation & compliance</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/organization/federal-reserve">Federal Reserve</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cfpb-news">CFPB News & Analysis</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/fraud">Fraud</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-ixknq" id="DropdownNavigationItem-ixknq" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-ixknq" data-has-content-id> <span>PAYMENTS</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-ixknq" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/payments" target="_self">Payments Home</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/cryptocurrency">Cryptocurrency</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/digital-payments">Digital payments</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/credit-cards">Credit cards</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-e1605" id="DropdownNavigationItem-e1605" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-e1605" data-has-content-id> <span>TECH</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-e1605" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/technology">Technology</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/digital-banking">Digital banking</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/fintech">Fintech</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/cyber-security">Cyber security</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/artificial-intelligence">Artificial intelligence</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/advances-in-tech" target="_self">Advances in Tech</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-7vf8f" id="DropdownNavigationItem-7vf8f" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-7vf8f" data-has-content-id> <span>CREDIT UNIONS</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-7vf8f" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions" target="_self">Credit Unions Home</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/creditunions/opinion" target="_self">Opinion</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <input type="checkbox" name="DropdownNavigationItem-7kqz2" id="DropdownNavigationItem-7kqz2" data-has-content-id> <div class="DropdownNavigationItem-text"> <label for="DropdownNavigationItem-7kqz2" data-has-content-id> <span>WORKPLACE</span> </label> <div class="DropdownNavigationItem-more"> <label for="DropdownNavigationItem-7kqz2" data-has-content-id> <button aria-label="Open Sub Navigation"> <svg class="chevron"> <use xlink:href="#chevron"></use> </svg> </button> </label> </div> </div> <ul class="DropdownNavigationItem-items"> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/workforce-management">Workforce management</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/recruiting">Recruiting</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/diversity-and-equality">Diversity & equality</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/esg">ESG</a></li> <li class="DropdownNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/tag/compensation">Compensation</a></li> </ul> </div> </li> <li class="DropdownNavigation-items-item"> <div class="DropdownNavigationItem"> <div class="DropdownNavigationItem-text"> <a class="DropdownNavigationItem-text-link" href="https://www.americanbanker.com/bankthink" target="_self">OPINION</a> </div> </div> </li> </ul> </nav> </div> </div> </ps-header> <div class="PageAbove ArticlePage-above"> <ps-list class="BarList" data-list-id="0000017f-e0c0-d85b-a9ff-e2fdf7580001" data-need-query-parameters="false" data-has-required-query-parameters="false"> <ul class="BarList-items"> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/2024-election-coverage" class="PromoTopic" aria-label="Election 2024" target="_self">Election 2024</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/women-in-banking" class="PromoTopic" aria-label="Women in Banking" target="_blank">Women in Banking</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/leaders" class="PromoTopic" aria-label="Leaders Forum" target="_self">Leaders Forum</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/event-archives" class="PromoTopic" aria-label="Events" target="_self">Events</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/editorial-research" class="PromoTopic" aria-label="Research" target="_self">Research</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/podcasts" class="PromoTopic" aria-label="Podcasts" target="_self">Podcasts</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/resources" class="PromoTopic" aria-label="Webinars and Whitepapers" target="_self">Webinars and Whitepapers</a></ps-link> </li> <li class="BarList-items-item"> <ps-link><a href="https://www.americanbanker.com/magazine/" class="PromoTopic" aria-label="Magazine" target="_self">Magazine</a></ps-link> </li> </ul> </ps-list> <ps-piano class="piano-box-header" style="display:block"></ps-piano><ps-piano class="sticky_piano-box-header" style="display:block"></ps-piano><div id="googleAd0b060dc5-2ff9-4174-98bd-b05883de495a" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[970, 91], [970, 90], [970, 250], [728, 90], [320, 50], [300, 250]]" data-slot-adSizeMap="[[[768, 0], [728, 90], [970, 250], [970, 90], [970, 91]], [[320, 0], [300, 250], [320, 50]]]" data-position="collapsed_header1"> <span class="GoogleDfpAd-placeholder"></span> </div> </div> <div id="scrollContainer" class="ArticlePage-content"> <ps-article-page class="ArticlePage-wrapper initial" data-content-type="Article"> <main class="ArticlePage-main"> <div class="ArticlePage-main-content"> <article class="ArticlePage-mainContent"> <div class="ArticlePage-tags"> <div class="ArticlePage-tags-list"> <ps-link><a href="https://www.americanbanker.com/organization/visa" class="Link" target="_self">Visa</a></ps-link> </div> </div> <h1 class="ArticlePage-headline"> Visa slams DOJ on antitrust allegations </h1> <div class="ArticlePage-contentInfo"> <span class="ArticlePage-byline"> <span class="ArticlePage-authors"> <span class="ArticlePage-authorBy"> By   </span> <span class="ArticlePage-authorName" id="AuthorSocials"> <a href="https://www.americanbanker.com/author/joey-pizzolato" aria-label="Joey Pizzolato" data-dropdown-trigger>Joey Pizzolato</a> <div class="ActionBar-dropdown"> <div class="ActionBar-dropdown-header"> <button class="ActionBar-dropdown-close" data-dropdown-close> <svg> <use xlink:href="#close-x"></use> </svg> <span class="sr-only">CloseText</span> </button> </div> <div class="ArticlePage-authorSocialLinks"> <div class="SocialBarArticle"> <table> <tbody> <tr class="SocialBarArticle-items"> <td> <div> <div class="SocialBarArticle-items-item" data-social-service=""> <a class="SocialLink" rel="noreferrer" href="https://www.americanbanker.com/author/joey-pizzolato" target="_blank" data-social-service="author"> <svg> <use xlink:href="#mono-icon-author"></use> </svg> </a> </div> </div> </td> <td> <div class="SocialBarArticle-items-item" data-social-service=""> <a href="https://www.americanbanker.com/author/joey-pizzolato" target="_blank"><span class="SocialBarArticle-items-item-body">About Joey</span></a> </div> </td> </tr> <tr class="SocialBarArticle-items"> <td> <div class="SocialBarArticle-items-item" data-social-service="twitter"> <a class="SocialLink" rel="noreferrer" href="https://twitter.com/joeypizzolato" target="_blank" data-social-service="twitter"><svg><use xlink:href="#mono-icon-twitter"></use></svg><span class="sr-only">twitter</span></a> </div> </td> <td> <div class="SocialBarArticle-items-item" data-social-service="twitter"> <a href="https://twitter.com/joeypizzolato" target="_blank"><span class="SocialBarArticle-items-item-body">joeypizzolato</span></a> </div> </td> </tr> <tr class="SocialBarArticle-items"> <td> <div class="SocialBarArticle-items-item" data-social-service="mailto"> <a class="SocialLink" rel="noreferrer" href="mailto: joey.pizzolato@arizent.com" data-social-service="mailto"><svg><use xlink:href="#mono-icon-mailto"></use></svg><span class="sr-only">mailto</span></a> </div> </td> <td> <div class="SocialBarArticle-items-item" data-social-service="mailto"> <a href="mailto: joey.pizzolato@arizent.com" target="_blank"><span class="SocialBarArticle-items-item-body">joey.pizzolato@arizent.com</span></a> </div> </td> </tr> <tr class="SocialBarArticle-items"> <td> <div class="SocialBarArticle-items-item" data-social-service="linkedin"> <a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/in/joey-pizzolato-02178325" target="_blank" data-social-service="linkedin"><svg><use xlink:href="#mono-icon-linkedin"></use></svg><span class="sr-only">linkedin</span></a> </div> </td> <td> <div class="SocialBarArticle-items-item" data-social-service="linkedin"> <a href="https://www.linkedin.com/in/joey-pizzolato-02178325" target="_blank"><span class="SocialBarArticle-items-item-body">joey-pizzolato-02178325</span></a> </div> </td> </tr> </tbody> </table> </div> </div> </div> </span> </span> </span> <span class="ArticlePage-date"><span class="ArticlePage-datePublished"> October 29, 2024, 7:15 p.m. EDT </span></span> <span class="ArticlePage-duration">4 Min Read</span> </div> <div class="ArticlePage-articleContainer-wrapper"> <div class="ArticlePage-actions"> <ps-actionbar class="ActionBar"> <ul class="ActionBar-items"> <li class="ActionBar-items-item"><a class="ActionLink" href="https://www.facebook.com/dialog/share?app_id=4725977577498274&display=popup&href=https%3A%2F%2Fwww.americanbanker.com%2Fpayments%2Fnews%2Fvisa-beats-forecasts-on-revenue-and-earnings" target="_blank" data-social-service="facebook"> <svg><use xlink:href="#mono-icon-facebook"></use></svg><span>Facebook</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.americanbanker.com%2Fpayments%2Fnews%2Fvisa-beats-forecasts-on-revenue-and-earnings&text=Visa%20slams%20DOJ%20on%20antitrust%20allegations" target="_blank" data-social-service="twitter"> <svg><use xlink:href="#mono-icon-twitter"/></svg><span>Twitter</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.americanbanker.com%2Fpayments%2Fnews%2Fvisa-beats-forecasts-on-revenue-and-earnings&mini=true&title=Visa%20slams%20DOJ%20on%20antitrust%20allegations&summary=CEO%20Ryan%20McInerney%20said%20the%20case%20showed%20a%20%22clear%20lack%20of%20understanding%20of%20the%20payments%20ecosystem%22%20after%20the%20payment%20card%20processor%20posted%20better-than-expected%20earnings.%20&source=American%20Banker" target="_blank" data-social-service="linkedin"> <svg><use xlink:href="#mono-icon-linkedin"></use></svg><span>LinkedIn</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="mailto:?body=Visa%20slams%20DOJ%20on%20antitrust%20allegations%0A%0Ahttps%3A%2F%2Fwww.americanbanker.com%2Fpayments%2Fnews%2Fvisa-beats-forecasts-on-revenue-and-earnings%0A%0ACEO%20Ryan%20McInerney%20said%20the%20case%20showed%20a%20%22clear%20lack%20of%20understanding%20of%20the%20payments%20ecosystem%22%20after%20the%20payment%20card%20processor%20posted%20better-than-expected%20earnings.%20" data-social-service="mailto"> <svg><use xlink:href="#mono-icon-email"/></svg><span>Email</span> </a></li> </ul> </ps-actionbar> </div> <div class="ArticlePage-articleContainer"> <div class="ArticlePage-articleBody"> <div class="RichTextArticleBody"><div class="RichTextArticleBody-body RichTextBody"><div class="Enhancement" data-align-center> <div class="Enhancement-item"><figure class="Figure"> <picture><source type="image/webp" width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/472e3b1/2147483647/strip/true/crop/3500x2334+0+0/resize/586x390!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/0197b47/2147483647/strip/true/crop/3500x2334+0+0/resize/768x512!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/43f46e8/2147483647/strip/true/crop/3500x2334+0+0/resize/1024x682!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg 1024w"/><source width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/618f0dc/2147483647/strip/true/crop/3500x2334+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg"/><img class="Image" data-image-size="articleImage" alt="Stack of Visa cards" srcset="https://arizent.brightspotcdn.com/dims4/default/6d767e9/2147483647/strip/true/crop/3500x2334+0+0/resize/586x390!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/441cba4/2147483647/strip/true/crop/3500x2334+0+0/resize/768x512!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/35d238e/2147483647/strip/true/crop/3500x2334+0+0/resize/1024x682!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg 1024w" width="740" height="493" src="https://arizent.brightspotcdn.com/dims4/default/618f0dc/2147483647/strip/true/crop/3500x2334+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F04%2F8c%2Fa1ceb94445c7807c5895f3637d56%2F305956635-1-12.jpg"></picture> <div class="Figure-content"> <div class="Figure-credit">Andrew Harrer/Bloomberg</div> </div> </figure></div> </div><p><b><i>UPDATE:</i></b><i> This article includes comments from the company's top executives and Visa's outlook for its new fiscal year.</i></p><div class="inline-gate"></div><p>Visa's Chief Executive Ryan McInerney was critical of the Department of Justice's antitrust lawsuit that alleges the payment card processor has a monopoly over the debit card industry. </p><p>"We believe the lawsuit is meritless and shows a clear lack of understanding of the payments ecosystem in the United States," McInerney said on a call with investors Tuesday night. "We will defend ourselves vigorously and are confident in our ability to demonstrate that Visa competes for every transaction in a thriving debit space that continues to grow and see new entrants." </p><p>The <ps-link><a href="https://www.americanbanker.com/payments/news/how-a-doj-suit-against-visa-is-a-lifeline-for-bank-tech-sellers" class="Link" target="_blank"><u>Justice Department sued Visa</u></a></ps-link> in September for what it deemed anticompetitive conduct in the debit card space. Visa has already set aside $1.5 billion to cover litigation fees.</p><div id="googleAd84cfc4d6-65a3-4b9c-a80d-9af000d55e7b" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[550, 309]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [550, 309]], [[320, 0], [550, 309]]]" data-injected-for-mobile="true" data-position="video-in-article"> <span class="GoogleDfpAd-placeholder"></span> </div><div id="googleAd8ab842f5-cb64-4eb3-a2b8-4222271b01e7" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[550, 309]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [550, 309]], [[320, 0], [550, 309]]]" data-injected-for-mobile="false" data-position="video-in-article"> <span class="GoogleDfpAd-placeholder"></span> </div><p>The comments come as the card processor closed out the fourth quarter of its fiscal year 2024 with better-than-expected results, boosted by stable growth in its payments volume, crossborder volume and processed transactions. </p><div class="Enhancement" data-type="polar"> <div class="Enhancement-item"><div id="googleAde7afca64-3046-4d49-b1c0-369aeaef2bcd" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[1, 1]]" data-slot-adSizeMap="[[[320, 0], [1, 1]]]" data-position="native-in-article1"> <span class="GoogleDfpAd-placeholder"></span> </div></div> </div><p>Revenue in the three months ended Sept. 30 rose 12% year over year to $9.6 billion, topping analysts' estimates of $9.5 billion, according to S&P Global Capital IQ. Net income also edged out forecasts, up 14% to $5.3 billion, ahead of an expected net income of $5.2 billion. Earnings per diluted share landed at $2.65, ahead of an estimated $2.57 per diluted share.</p><p>Excluding a $109 million litigation provision in the year-ago quarter and other expenses, adjusted earnings for the fourth quarter came in at $2.71 a share. Analysts polled by S&P Global Capital IQ had expected $2.58 a share.</p><div id="googleAddedb6380-e54a-430b-9ab0-e3753a46e7e6" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-1"> <span class="GoogleDfpAd-placeholder"></span> </div><p>Full-year revenue tallied a 10% lift to $35.9 billion and net income rose 14% to $19.7 billion, both barely above analysts' expectations. However, earnings per share at $9.73 missed analysts' estimates of $10.57 due to a $46 million net loss from equity investments and a $76 million loss from the amortization of acquired intangible assets and asset-related costs. </p><p>In the new fiscal year, Visa expects to post high single-digit to low double-digit growth in revenue and earnings per share growth at the high end of low double-digit percentages.</p><p>McInerney touted a number of global partnership renewals during the call, including RBC, Canada's top credit card issuer, on consumer debit and credit, small business credit and commercial credit; U.S. Bank on its consumer and commercial portfolios; USAA on its consumer debit and credit portfolios; and other partnerships in Asia-Pacific, CEMEA and Latin America. The company also signed 650 fintechs from early stage to mature, an increase of 30% from the prior year, he said.</p><p>"We're winning region by region and market by market around the world," McInerney said. "You look at the size and sophistication of some of those names that I mentioned in my prepared remarks that I've mentioned for the last couple quarters, you know we are winning." </p><div id="googleAd0b5c2105-f7ed-4a86-b497-1c9861089dfa" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-2"> <span class="GoogleDfpAd-placeholder"></span> </div><p>Shares of Visa rose nearly 3% in after-hours trading Tuesday. </p><p>Increases in revenue and EPS in the quarter were driven by "relatively stable growth" in payments volume, crossborder volume and processed transactions as well as "strong momentum across new flows and value-added services," according to Visa's press release. </p><p>Payments volume for the prior quarter ended June 30 — on which fourth-quarter revenue is based — increased 7% from the same reporting period in 2023 on a constant-dollar basis. This quarter, payment volume rose 8%.</p><p>Chief Financial Officer Chris Suh said consumer spending across all segments in the United States remained "relatively stable" when compared with the prior quarter. "Our data does not indicate any meaningful behavior change across consumer segments from last quarter." </p><p>In the United States, total payments volume grew 5% year over year, Suh said, in line with the previous quarter. Credit and debit also increased 5%. Card-present volume ticked up 2%, and card-not-present volume grew 6%.</p><p>Cross-border volume, excluding Europe, jumped 13% on a constant-dollar basis. Including Europe, total cross-border volume also increased 13%. </p><p>Latin America ratcheted up 24%; CEMEA climbed 19%; and Europe increased 12%, Suh said, while Asia Pacific increased less than 1% due to the "macroeconomic environment mostly in mainland China." </p><p>Total processed transactions in the fourth quarter landed at 61.5 billion, an increase of 10% from the prior year.</p><p>The fourth-quarter results were a continuation of solid earnings in the <ps-link><a href="https://www.americanbanker.com/payments/news/visa-blames-the-weather-for-slower-january-sales" class="Link" target="_blank"><u>first half of its fiscal year</u></a></ps-link> that have been overshadowed in the last few months by lawsuits, including its fresh bout with the DOJ and a <ps-link><a href="https://www.americanbanker.com/news/visa-mastercard-agree-to-lower-credit-interchange-fees" class="Link" target="_blank"><u>failed settlement attempt with merchants over a 20-year battle on interchange fees</u></a></ps-link>, which was rejected by a federal judge in June and could go to trial. Visa CEO <ps-link><a href="https://www.americanbanker.com/payments/news/visas-ceo-swipes-at-interchange-settlement-dismissal" class="Link" target="_blank"><u>said last quarter</u></a></ps-link> he didn't have any insight into if or when another settlement might be on the table. </p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><div class="PromoSmallImageRight" data-content-type="Article" data-sponsor-type=""> <div class="PromoSmallImageRight-media"> <ps-link><a href="https://www.americanbanker.com/payments/news/paypal-earnings-beat-analyst-projections-boosted-by-ai-payments" class="Link" aria-label="PayPal CEO preaches patience for recovery"><picture><source type="image/webp" width="180" height="120" data-image-size="promoSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/730dc7e/2147483647/strip/true/crop/3996x2664+2+0/resize/180x120!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4a%2F24%2Fcd31527441df9d8a7d8454809a3f%2Fpaypal-new-logo-sign-bl.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/9f2d4f7/2147483647/strip/true/crop/3996x2664+2+0/resize/360x240!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4a%2F24%2Fcd31527441df9d8a7d8454809a3f%2Fpaypal-new-logo-sign-bl.jpg 2x"/><source width="180" height="120" data-image-size="promoSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/ffbb112/2147483647/strip/true/crop/3996x2664+2+0/resize/180x120!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4a%2F24%2Fcd31527441df9d8a7d8454809a3f%2Fpaypal-new-logo-sign-bl.jpg"/><img class="Image" data-image-size="promoSmall" alt="paypal sign" srcset="https://arizent.brightspotcdn.com/dims4/default/ffbb112/2147483647/strip/true/crop/3996x2664+2+0/resize/180x120!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4a%2F24%2Fcd31527441df9d8a7d8454809a3f%2Fpaypal-new-logo-sign-bl.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/db7a363/2147483647/strip/true/crop/3996x2664+2+0/resize/360x240!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4a%2F24%2Fcd31527441df9d8a7d8454809a3f%2Fpaypal-new-logo-sign-bl.jpg 2x" width="180" height="120" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/ffbb112/2147483647/strip/true/crop/3996x2664+2+0/resize/180x120!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4a%2F24%2Fcd31527441df9d8a7d8454809a3f%2Fpaypal-new-logo-sign-bl.jpg"></picture></a></ps-link> </div> <div class="PromoSmallImageRight-content"> <div class="PromoSmallImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/payments" class="Link">Payments</a></ps-link> </div> <div class="PromoSmallImageRight-title"> <ps-link><a href="https://www.americanbanker.com/payments/news/paypal-earnings-beat-analyst-projections-boosted-by-ai-payments" class="Link">PayPal CEO preaches patience for recovery</a></ps-link> </div> <div class="PromoSmallImageRight-date">October 29, 2024 1:00 PM</div> </div> </div></div> </div><p>Other credit card issuers have reported a slight softening in consumer credit and purchase volume this quarter on a year-over-year basis. <ps-link><a href="https://www.americanbanker.com/payments/news/discovers-revenue-grows-but-credit-performance-dips" class="Link" target="_blank"><u>Discover Financial posted</u></a></ps-link> an increase in 30-day delinquencies and net charge-offs. Chief Financial Officer John Greene said households were contending with inflation and adjusting their spending patterns to manage budgets, pushing down Discover's credit card sales volumes.</p><p>American Express, too, was contending with <ps-link><a href="https://www.americanbanker.com/payments/news/american-express-third-quarter-earnings-beat-analyst-estimates-while-delinquencies" class="Link" target="_blank"><u>an uptick of borrow stress</u></a></ps-link> in the third quarter. CEO Steve Squeri said he wasn't concerned about an uptick on a call with investors last week but noted spending wasn't "robust." </p><p>Smaller credit card issuers that specialize in co-branded credit cards such as <ps-link><a href="https://www.americanbanker.com/payments/news/bread-financial-beats-on-revenue-misses-on-earnings" class="Link" target="_blank"><u>Bread Financial</u></a></ps-link> and <ps-link><a href="https://www.americanbanker.com/news/why-synchrony-is-cautious-on-underwriting-even-as-consumers-show-discipline" class="Link" target="_blank"><u>Synchrony Financial</u></a></ps-link> also tallied increases in delinquencies and a decline in credit spending, but executives from both companies largely brushed them off on their respective earnings calls. </p><p>Mastercard, the final credit card processing company to host an earnings call this quarter, reports earnings on Thursday ahead of the market open. </p></div></div> </div> </div> <div class="ArticlePage-byline-bottom"> <div class="ArticlePage-byline-bottom-authors"> <div class="ArticlePage-byline-bottom-authorInfo"> <div class="ArticlePage-byline-bottom-authorInfo-bio-name"> <a href="https://www.americanbanker.com/author/joey-pizzolato" aria-label="">Joey Pizzolato</a> </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-content"> Reporter, American Banker <div class="SocialBarArticleFooter"> <ul class="SocialBarArticleFooter-items"> <li class="SocialBarArticleFooter-items-item" data-social-service=""> <a class="SocialLink" rel="noreferrer" href="https://www.americanbanker.com/author/joey-pizzolato" target="_blank" data-social-service="author"> <svg> <use xlink:href="#mono-icon-author"></use> </svg> </a> </li> </ul> <ul class="SocialBarArticleFooter-items"> <li class="SocialBarArticleFooter-items-item" data-social-service="twitter"> <a class="SocialLink" rel="noreferrer" href="https://twitter.com/joeypizzolato" target="_blank" data-social-service="twitter"><svg><use xlink:href="#mono-icon-twitter"></use></svg><span class="sr-only">twitter</span></a> </li> <li class="SocialBarArticleFooter-items-item" data-social-service="mailto"> <a class="SocialLink" rel="noreferrer" href="mailto: joey.pizzolato@arizent.com" data-social-service="mailto"><svg><use xlink:href="#mono-icon-mailto"></use></svg><span class="sr-only">mailto</span></a> </li> <li class="SocialBarArticleFooter-items-item" data-social-service="linkedin"> <a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/in/joey-pizzolato-02178325" target="_blank" data-social-service="linkedin"><svg><use xlink:href="#mono-icon-linkedin"></use></svg><span class="sr-only">linkedin</span></a> </li> </ul> </div> </div> </div> </div> </div> </div> </article> <div class="ActionBar-reprintDescription">For reprint and licensing requests for this article, <ps-link><a href="https://info.wrightsmedia.com/arizent-licensing-and-reprints" class="Link" target="_blank">click here</a></ps-link>. </div> <div class="ArticlePage-all-tags"> <ps-link><a href="https://www.americanbanker.com/organization/visa" class="Link" target="_self">Visa</a></ps-link> <ps-link><a href="https://www.americanbanker.com/earnings" class="Link" target="_self">Earnings</a></ps-link> <ps-link><a href="https://www.americanbanker.com/tag/payments" class="Link" target="_self">Payments</a></ps-link> <ps-link><a href="https://www.americanbanker.com/tag/credit-cards" class="Link" target="_self">Credit cards</a></ps-link> </div> </div> </main> <aside class="ArticlePage-aside"> <aside class="ArticlePage-aside-content"> <div id="googleAd1152de53-23b8-4e60-8447-a1f0a63f4cd1" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[300, 250], [300, 600], [300, 1050]]" data-lazy-threshold="100" data-prevent-define="true" data-slot-adSizeMap="[[[768, 0], [300, 250], [300, 600], [300, 1050]], [[0, 0], [300, 250]]]" data-position="bigbox1"> <span class="GoogleDfpAd-placeholder"></span> </div><div id="googleAdb967ec5d-e201-4958-8f75-e3c13cda19c1" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[300, 250], [300, 600]]" data-lazy-threshold="100" data-prevent-define="true" data-slot-adSizeMap="[[[768, 0], [300, 250], [300, 600]], [[0, 0], [0, 0]]]" data-position="bigbox2"> <span class="GoogleDfpAd-placeholder"></span> </div><ps-piano class="right-rail-trending-test" style="display:block"></ps-piano><div class="RawHtml" data-module-mame="omeda-right-rail-container"><div id="omeda-right-rail"></div></div><div id="googleAdc94bed0e-8cf3-4022-97c1-3a192668fa42" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Payments/Article" data-slot-sizes="[[300, 250]]" data-lazy-threshold="100" data-slot-adSizeMap="[[[768, 0], [300, 250]]]" data-position="bigbox3"> <span class="GoogleDfpAd-placeholder"></span> </div> </aside> </aside> </ps-article-page> <div class="ArticlePage-wrapper"> <main class="ArticlePage-main"> <div class="Page-below"> <ps-piano class="piano-box-left-btm" style="display:block"></ps-piano><ps-piano class="piano-box-left-mid" style="display:block"></ps-piano><ps-piano class="piano-box-right-btm" style="display:block"></ps-piano><ps-piano class="piano-box-right-mid" style="display:block"></ps-piano><ps-piano class="piano-box-footer" style="display:block"></ps-piano><ps-piano class="piano-box-footer-slide-up" style="display:block"></ps-piano><ps-piano class="piano-bottom-banner-slide-up" style="display:block"></ps-piano><ps-piano class="piano-box-footer-my-account" style="display:block"></ps-piano><ps-piano class="topic-based-newsletter-signup" style="display:block"></ps-piano><div class="RawHtml" data-module-mame="omeda-sub-article-newsletter-sign-up"><div id="omeda-subarticle-nl-signup"></div></div><ps-list-loadmore class="MediumImageRightStackedList" data-list-id="0000016c-96e7-ddc8-a37f-97e76f130000" data-need-query-parameters="false" data-has-required-query-parameters="false" data-add-tag-filtering="false"> <div class="MediumImageRightStackedList-header ListHeaderWithIcon ListHeaderWithIcon-align-center"><div class="ListHeaderWithIcon-content-wrapper"><div class="MediumImageRightStackedList-title ListHeader-title" id="">MORE FROM AMERICAN BANKER</div> </div> </div> <ul class="MediumImageRightStackedList-items" data-list-loadmore-items> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/organization/treasury-department" class="Link">Treasury Department</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/bessent-to-be-treasury-nominee-trump-taps-turner-for-hud" target=""> Bessent to be Treasury nominee, Trump taps Turner for HUD </a> </div> <div class="PromoMediumImageRight-description"><p>Hedge fund manager Scott Bessent had been the betting favorite to take the reins at Treasury. Scott Turner, a former congressman and NFL player, will lead the housing agency. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/kyle-campbell">Kyle Campbell</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">11h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/bessent-to-be-treasury-nominee-trump-taps-turner-for-hud" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/7de48b2/2147483647/strip/true/crop/4727x2659+0+0/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/c79dce1/2147483647/strip/true/crop/4727x2659+0+0/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/dbb4bed/2147483647/strip/true/crop/4727x2659+0+0/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/5419f7a/2147483647/strip/true/crop/4727x2659+0+0/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/a1a9e60/2147483647/strip/true/crop/4727x2659+0+0/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/07939f4/2147483647/strip/true/crop/4727x2659+0+0/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/cb1f147/2147483647/strip/true/crop/4727x2659+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg"/><img class="Image" data-image-size="promoMedium" alt="Scott Bessent" srcset="https://arizent.brightspotcdn.com/dims4/default/7bb871f/2147483647/strip/true/crop/4727x2659+0+0/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/fa24575/2147483647/strip/true/crop/4727x2659+0+0/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/e90936b/2147483647/strip/true/crop/4727x2659+0+0/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/a23fdc1/2147483647/strip/true/crop/4727x2659+0+0/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/14db04b/2147483647/strip/true/crop/4727x2659+0+0/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/8f9674d/2147483647/strip/true/crop/4727x2659+0+0/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/cb1f147/2147483647/strip/true/crop/4727x2659+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/artificial-intelligence" class="Link">Artificial intelligence</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/feds-bowman-regulators-must-have-an-openness-to-ai" target=""> Fed's Bowman: Regulators 'must have an openness' to AI </a> </div> <div class="PromoMediumImageRight-description"><p>While the risks, benefits and magnitude of artificial intelligence's impact on financial services remain unclear, agencies should keep an open mind toward the technology and avoid reflexive risk aversion in bank supervision, Federal Reserve Gov. Michelle Bowman said. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/john-heltman">John Heltman</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/feds-bowman-regulators-must-have-an-openness-to-ai" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/45a475d/2147483647/strip/true/crop/2000x1125+0+105/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/7b26772/2147483647/strip/true/crop/2000x1125+0+105/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/83b0392/2147483647/strip/true/crop/2000x1125+0+105/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/add4484/2147483647/strip/true/crop/2000x1125+0+105/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/cc69ec6/2147483647/strip/true/crop/2000x1125+0+105/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/0ad9b51/2147483647/strip/true/crop/2000x1125+0+105/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/b107442/2147483647/strip/true/crop/2000x1125+0+105/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg"/><img class="Image" data-image-size="promoMedium" alt="Michelle Bowman" srcset="https://arizent.brightspotcdn.com/dims4/default/4f282bb/2147483647/strip/true/crop/2000x1125+0+105/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/1167268/2147483647/strip/true/crop/2000x1125+0+105/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/74b3242/2147483647/strip/true/crop/2000x1125+0+105/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/c2cece7/2147483647/strip/true/crop/2000x1125+0+105/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/ab39a24/2147483647/strip/true/crop/2000x1125+0+105/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/fb93cda/2147483647/strip/true/crop/2000x1125+0+105/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/b107442/2147483647/strip/true/crop/2000x1125+0+105/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5d%2Ff4%2Fd1779d2d4dc489ba92f6672e1115%2F410442566.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/succession-planning" class="Link">Succession planning</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/first-foundation-hires-outsider-as-ceo-amid-strategy-overhaul" target=""> First Foundation's new CEO has history of priming banks to sell </a> </div> <div class="PromoMediumImageRight-description"><p>The Dallas bank's new CEO, Thomas Shafer, served in top roles at a number of banks that were subsequently acquired before he stepped away from the industry in 2022. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/catherine-leffert">Catherine Leffert</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/first-foundation-hires-outsider-as-ceo-amid-strategy-overhaul" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/731034d/2147483647/strip/true/crop/5185x2917+0+270/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 320w,https://arizent.brightspotcdn.com/dims4/default/7491777/2147483647/strip/true/crop/5185x2917+0+270/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 568w,https://arizent.brightspotcdn.com/dims4/default/8ef74f9/2147483647/strip/true/crop/5185x2917+0+270/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 768w,https://arizent.brightspotcdn.com/dims4/default/065e1e4/2147483647/strip/true/crop/5185x2917+0+270/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 1024w,https://arizent.brightspotcdn.com/dims4/default/b3bfe21/2147483647/strip/true/crop/5185x2917+0+270/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 1240w,https://arizent.brightspotcdn.com/dims4/default/fab6381/2147483647/strip/true/crop/5185x2917+0+270/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/878aa80/2147483647/strip/true/crop/5185x2917+0+270/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg"/><img class="Image" data-image-size="promoMedium" alt="First Foundation Bank building" srcset="https://arizent.brightspotcdn.com/dims4/default/8df6ddb/2147483647/strip/true/crop/5185x2917+0+270/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 320w,https://arizent.brightspotcdn.com/dims4/default/9beb6d4/2147483647/strip/true/crop/5185x2917+0+270/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 568w,https://arizent.brightspotcdn.com/dims4/default/8b39576/2147483647/strip/true/crop/5185x2917+0+270/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 768w,https://arizent.brightspotcdn.com/dims4/default/d96f122/2147483647/strip/true/crop/5185x2917+0+270/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 1024w,https://arizent.brightspotcdn.com/dims4/default/53a57a1/2147483647/strip/true/crop/5185x2917+0+270/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 1240w,https://arizent.brightspotcdn.com/dims4/default/0f08424/2147483647/strip/true/crop/5185x2917+0+270/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/878aa80/2147483647/strip/true/crop/5185x2917+0+270/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/organization/federal-reserve" class="Link">Federal Reserve</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/the-fed-warns-inflated-asset-values-could-be-a-stability-threat" target=""> Fed: Elevated asset valuations could threaten financial stability </a> </div> <div class="PromoMediumImageRight-description"><p>In its latest financial stability report, the Federal Reserve warned high equity valuations and low levels of liquidity could leave the financial system vulnerable to shocks.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/kyle-campbell">Kyle Campbell</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/the-fed-warns-inflated-asset-values-could-be-a-stability-threat" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/68b4240/2147483647/strip/true/crop/4000x2250+0+209/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/bb636d1/2147483647/strip/true/crop/4000x2250+0+209/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/063d945/2147483647/strip/true/crop/4000x2250+0+209/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/178bd04/2147483647/strip/true/crop/4000x2250+0+209/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/f475ee8/2147483647/strip/true/crop/4000x2250+0+209/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/2240765/2147483647/strip/true/crop/4000x2250+0+209/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/b73bcac/2147483647/strip/true/crop/4000x2250+0+209/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg"/><img class="Image" data-image-size="promoMedium" alt="federal reserve building" srcset="https://arizent.brightspotcdn.com/dims4/default/6b559a7/2147483647/strip/true/crop/4000x2250+0+209/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/96b131b/2147483647/strip/true/crop/4000x2250+0+209/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/88ea306/2147483647/strip/true/crop/4000x2250+0+209/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/d129577/2147483647/strip/true/crop/4000x2250+0+209/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/cf9418e/2147483647/strip/true/crop/4000x2250+0+209/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/48d2ff4/2147483647/strip/true/crop/4000x2250+0+209/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/b73bcac/2147483647/strip/true/crop/4000x2250+0+209/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdb%2Fda%2F595a03054648bb533fbbe6264f77%2F238536410.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/organization/small-business-administration" class="Link">SBA</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/a-small-dollar-business-lending-scheme-finds-a-niche-at-huntington" target=""> A small-dollar business lending scheme finds a niche at Huntington </a> </div> <div class="PromoMediumImageRight-description"><p>The Columbus, Ohio-based regional launched Lift Local Business in October 2020 with a $25 million ceiling. Four years and $133 million later, the program is still going strong.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/john-reosti">John Reosti</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/a-small-dollar-business-lending-scheme-finds-a-niche-at-huntington" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/c66e84f/2147483647/strip/true/crop/3100x1744+0+83/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/1d8ba46/2147483647/strip/true/crop/3100x1744+0+83/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/76619c4/2147483647/strip/true/crop/3100x1744+0+83/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/cd9112f/2147483647/strip/true/crop/3100x1744+0+83/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/6e3dce1/2147483647/strip/true/crop/3100x1744+0+83/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/9bc40d9/2147483647/strip/true/crop/3100x1744+0+83/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/4004a5e/2147483647/strip/true/crop/3100x1744+0+83/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg"/><img class="Image" data-image-size="promoMedium" alt="Huntington Bank.jpg" srcset="https://arizent.brightspotcdn.com/dims4/default/9dce973/2147483647/strip/true/crop/3100x1744+0+83/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/47da8ec/2147483647/strip/true/crop/3100x1744+0+83/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/2d83adc/2147483647/strip/true/crop/3100x1744+0+83/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/6462075/2147483647/strip/true/crop/3100x1744+0+83/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/cb349b9/2147483647/strip/true/crop/3100x1744+0+83/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/1cddd40/2147483647/strip/true/crop/3100x1744+0+83/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/4004a5e/2147483647/strip/true/crop/3100x1744+0+83/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fdc%2Fe6%2Fe1ce981f4a46856f7c73c2ace201%2Fhuntington-bank.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/payments" class="Link">Payments</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/payments/news/jpmorganchase-mastercard-partner-to-boost-b2b-payments" target=""> JPMorgan Chase, Mastercard sell crypto-style B2B payment tech </a> </div> <div class="PromoMediumImageRight-description"><p>The bank and payment company are using the technology that underpins digital assets to improve interoperability for international transactions, a major point of friction in trade finance.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/john-adams">John Adams</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/payments/news/jpmorganchase-mastercard-partner-to-boost-b2b-payments" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/8702bbf/2147483647/strip/true/crop/3856x2169+0+156/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/9e142d6/2147483647/strip/true/crop/3856x2169+0+156/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/783f1d6/2147483647/strip/true/crop/3856x2169+0+156/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/8e98fcc/2147483647/strip/true/crop/3856x2169+0+156/resize/1024x576!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/e6b4945/2147483647/strip/true/crop/3856x2169+0+156/resize/1240x698!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/b77d9e8/2147483647/strip/true/crop/3856x2169+0+156/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/fda536c/2147483647/strip/true/crop/3856x2169+0+156/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg"/><img class="Image" data-image-size="promoMedium" alt="JPMorgan Chase" srcset="https://arizent.brightspotcdn.com/dims4/default/0499d58/2147483647/strip/true/crop/3856x2169+0+156/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/b75c855/2147483647/strip/true/crop/3856x2169+0+156/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/80f24e9/2147483647/strip/true/crop/3856x2169+0+156/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/10728f3/2147483647/strip/true/crop/3856x2169+0+156/resize/1024x576!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 1024w,https://arizent.brightspotcdn.com/dims4/default/8f03291/2147483647/strip/true/crop/3856x2169+0+156/resize/1240x698!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 1240w,https://arizent.brightspotcdn.com/dims4/default/3833ca7/2147483647/strip/true/crop/3856x2169+0+156/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/fda536c/2147483647/strip/true/crop/3856x2169+0+156/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F79%2F0c%2F98905f2a4c86821ed9297d1d25bb%2F386971840.jpg"></picture></a></ps-link> </div> </div> </div> </li> </ul> </ps-list-loadmore> </div> </main> </div> </div> <footer class="Page-footer"> <ps-footer> <div class="Page-footer-content"> <div class="Page-footer-columns"> <div class="Page-footer-column"> <div class="Page-footer-column-content"> <div class="PromoMediumVerticalImageRight" data-content-type="external"> <div class="PromoMediumVerticalImageRight-content"> <div class="PromoMediumVerticalImageRight-title"> 22nd Annual THE MOST POWERFUL WOMEN IN BANKING </div> <div class="PromoMediumVerticalImageRight-description"><p>Find out who lands where in the rankings for banking, watch and finance, and see the categories for our standouts, a special recognition meant to spotlight roles with heightened visibility and the exemplary female leaders who are rethinking the way forward at a critical time.</p></div> <div class="PromoBreaker-button"> <ps-link><a href="https://www.americanbanker.com/subscribe" class="Link">Subscribe</a></ps-link> </div> </div> <div class="PromoMediumVerticalImageRight-media"> <ps-link><a href="https://www.americanbanker.com/magazine/american-banker-magazine-october-2024" class="Link" aria-label="22nd Annual THE MOST POWERFUL WOMEN IN BANKING"><picture><source type="image/webp" width="212" height="282" data-image-size="promoMediumVertical"srcset="https://arizent.brightspotcdn.com/dims4/default/251f80c/2147483647/strip/true/crop/2285x3039+0+73/resize/212x282!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Ffd%2Fc2%2Fd599860a4749becaaa464ff38656%2Fabm1024-cover.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/e4f7cde/2147483647/strip/true/crop/2285x3039+0+73/resize/424x564!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Ffd%2Fc2%2Fd599860a4749becaaa464ff38656%2Fabm1024-cover.jpg 2x"/><source width="212" height="282" data-image-size="promoMediumVertical"srcset="https://arizent.brightspotcdn.com/dims4/default/7c036c2/2147483647/strip/true/crop/2285x3039+0+73/resize/212x282!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Ffd%2Fc2%2Fd599860a4749becaaa464ff38656%2Fabm1024-cover.jpg"/><img class="Image" data-image-size="promoMediumVertical" alt="ABM1024_cover.jpg" srcset="https://arizent.brightspotcdn.com/dims4/default/7c036c2/2147483647/strip/true/crop/2285x3039+0+73/resize/212x282!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Ffd%2Fc2%2Fd599860a4749becaaa464ff38656%2Fabm1024-cover.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/bb6bc9d/2147483647/strip/true/crop/2285x3039+0+73/resize/424x564!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Ffd%2Fc2%2Fd599860a4749becaaa464ff38656%2Fabm1024-cover.jpg 2x" width="212" height="282" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/7c036c2/2147483647/strip/true/crop/2285x3039+0+73/resize/212x282!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Ffd%2Fc2%2Fd599860a4749becaaa464ff38656%2Fabm1024-cover.jpg"></picture></a></ps-link> </div> </div> <div class="RichTextModule"> <div class="RichTextModule-items RichTextBody"><p><div class="RawHtml"><style>.headerMain{width:300px !important;padding-bottom:40px}.imgApple{height:40px}.imgGoogle{height:40px}.headerTitle{color:#fff;padding-bottom:15px}.headerApple{float:left}.headerGoogle{float:right;padding-right:25px}</style> <div class="headerMain"> <div class="headerTitle">Download the American Banker app</div> <div class="headerApple"><a href="https://apps.apple.com/app/american-banker/id449948979"><img src="https://arizent.brightspotcdn.com/06/d2/849b1ca243f6ac0eeeb140a452d9/ab-apple-app-icon.svg" class="imgApple"></a></div> <div class="headerGoogle"><a href="https://play.google.com/store/apps/details?id=com.arizent.americanbanker"><img src="https://arizent.brightspotcdn.com/ff/23/562f18a441d7b66cff4889c43b62/ab-google-app-icon.svg" class="imgGoogle"></a></div> </div> </div></p></div> </div> </div> </div> <div class="Page-footer-column"> <div class="Page-footer-social"> <div class="SocialBarFooter"> <table> <tbody> <tr> <td> <label class="SocialBarFooter-text">Follow Us In Real Time</label> </td> </tr> <tr> <td> <ul class="SocialBarFooter-items"> <li class="SocialBarFooter-items-item" data-social-service="googlenews"><a class="SocialLink" rel="noreferrer" href="https://news.google.com/publications/CAAiEHM5mkGRpz_D4FnrJRAmDuIqFAgKIhBzOZpBkac_w-BZ6yUQJg7i?oc=3&ceid=US:en" target="_blank" data-social-service="googlenews"><svg><use xlink:href="#mono-icon-googlenews"></use></svg><span class="sr-only">googlenews</span></a></li> <li class="SocialBarFooter-items-item" data-social-service="twitter"><a class="SocialLink" rel="noreferrer" href="https://twitter.com/amerbanker" target="_blank" data-social-service="twitter"><svg><use xlink:href="#mono-icon-twitter"></use></svg><span class="sr-only">twitter</span></a></li> <li class="SocialBarFooter-items-item" data-social-service="applenews"><a class="SocialLink" rel="noreferrer" href="https://news.apple.com/TcZC5NRndQQ-74buMv4Okkg" target="_blank" data-social-service="applenews"><svg><use xlink:href="#mono-icon-applenews"></use></svg><span class="sr-only">applenews</span></a></li> <li class="SocialBarFooter-items-item" data-social-service="facebook"><a class="SocialLink" rel="noreferrer" href="https://www.facebook.com/AmericanBanker" target="_blank" data-social-service="facebook"><svg><use xlink:href="#mono-icon-facebook"></use></svg><span class="sr-only">facebook</span></a></li> <li class="SocialBarFooter-items-item" data-social-service="linkedin"><a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/company/american-banker/" target="_blank" data-social-service="linkedin"><svg><use xlink:href="#mono-icon-linkedin"></use></svg><span class="sr-only">linkedin</span></a></li> </ul> </td> </tr> </tbody> </table> </div> </div> <div class="Page-footer-navigation"> <nav class="FooterNavigation"> <ul class="FooterNavigation-items"> <li class="FooterNavigation-items-item"> <div class="FooterNavigationItem"> <ul class="FooterNavigationItem-items"> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/subscribe">Subscription Options</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/enterprise">Enterprise Subscriptions</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/email-options">Newsletters</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/my-account">My Membership</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/magazine">The Magazine</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/feed?rss=true" target="_blank">RSS Feed</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/glossary/a.html">Banker's Glossary</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/event-archives">Events</a></li> </ul> </div> </li> <li class="FooterNavigation-items-item"> <div class="FooterNavigationItem"> <ul class="FooterNavigationItem-items"> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/about-us">About Us</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/privacypolicy" target="_blank">Privacy Policy</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/news/arizent-subscription-agreement" target="_blank">Subscription Agreement</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://info.wrightsmedia.com/arizent-licensing-and-reprints" target="_blank">Content Licensing/Reprints</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.arizent.com/media-kit" target="_blank">Advertising/Marketing Services</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/resources">Resources</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/help-center">Help Center</a></li> <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.americanbanker.com/contact-us">Contact Us</a></li> </ul> </div> </li> </ul> </nav> </div> <div class="Page-footer-copyright onlyXl"> <div class="Page-footer-logo"><a aria-label="home page" href="https://www.arizent.com/" target="_blank"> <picture><source type="image/webp" width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/684526d/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/afa8016/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x"/><source width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"/><img class="Image" data-image-size="siteLogo" alt="Arizent Logo" srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/c79b7ea/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x" width="303" height="50" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"></picture> </a></div> <div class="Page-footer-disclaimer">© 2024 Arizent. All rights reserved.</div> </div> </div> <div class="Page-footer-copyright notXl"> <div class="Page-footer-logo"><a aria-label="home page" href="https://www.arizent.com/" target="_blank"> <picture><source type="image/webp" width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/684526d/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/afa8016/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x"/><source width="303" height="50" data-image-size="siteLogo"srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"/><img class="Image" data-image-size="siteLogo" alt="Arizent Logo" srcset="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 1x,https://arizent.brightspotcdn.com/dims4/default/c79b7ea/2147483647/strip/true/crop/1000x165+0+0/resize/606x100!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png 2x" width="303" height="50" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/bb19860/2147483647/strip/true/crop/1000x165+0+0/resize/303x50!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F01%2F05%2F6f8ad49b408398d634628e2d653f%2Farizent-logo.png"></picture> </a></div> <div class="Page-footer-disclaimer">© 2024 Arizent. All rights reserved.</div> </div> </div> </div> </ps-footer> </footer> <ps-piano-global></ps-piano-global> <script id="piano_adblock_detection_script">'use strict';document.cookie="__adblocker\x3d; expires\x3dThu, 01 Jan 1970 00:00:00 GMT; path\x3d/";var setNptTechAdblockerCookie=function(adblocker){var d=new Date;d.setTime(d.getTime()+60*5*1E3);document.cookie="__adblocker\x3d"+(adblocker?"true":"false")+"; expires\x3d"+d.toUTCString()+"; path\x3d/"};var script=document.createElement("script");script.setAttribute("async",true);script.setAttribute("src","//www.npttech.com/advertising.js");script.setAttribute("onerror","setNptTechAdblockerCookie(true);"); document.getElementsByTagName("head")[0].appendChild(script);</script> <script id="piano_script_injector">'use strict';(function(_scriptSrc){var newScriptElement=document.createElement("script");newScriptElement.type="text/javascript";newScriptElement.async=true;newScriptElement.id="piano_injected_script";newScriptElement.src=_scriptSrc;newScriptElement.onerror=function(){console.error("Could not load Piano JS library (tinypass.min.js)")};var firstScriptElement=document.getElementsByTagName("script")[0];firstScriptElement.parentNode.insertBefore(newScriptElement,firstScriptElement)})("//experience.tinypass.com/xbuilder/experience/load?aid\x3dXUnXNMUrFF");</script><script async="async" id="google_dfp_script" src="https://securepubads.g.doubleclick.net/tag/js/gpt.js" onerror="console.error('Could not load Google DFP JS library (gpt.js)')"> </script> <script type="text/javascript" id="google_dfp_setup_script">'use strict';var u=window.psUnescapeHTML=window.psUnescapeHTML||function(html){var el=document.createElement("span");el.innerHTML=html;return el.innerText};var du=window.psDoubleUnescapeHTML=window.psDoubleUnescapeHTML||function(html){return u(u(html))};var ua=window.psUnescapeArray=window.psUnescapeArray||function(arr){for(let i=0;i<arr.length;i++)arr[i]=du(arr[i]);return arr};var googletag=googletag||{};googletag.cmd=googletag.cmd||[];var fabrikConnectEnabled=false; if(fabrikConnectEnabled){window.kargobid=window.kargobid||{};window.kargobid.cmd=window.kargobid.cmd||[];window.kargobid.cmd.push(function(){googletag.cmd.push(function(){googletag.pubads().setTargeting("topics",ua(["corporate-finance","credit-cards","earnings","finance","payments","payments-and-cards","visa"]));googletag.pubads().setTargeting("storyID",du("00000192-da02-d066-a3d3-da72416d0001"));googletag.pubads().setTargeting("organization",ua(["visa"]));googletag.pubads().setTargeting("PID",du("null")); googletag.pubads().enableAsyncRendering();googletag.pubads().disableInitialLoad();googletag.enableServices()})})}else googletag.cmd.push(function(){googletag.pubads().setTargeting("topics",ua(["corporate-finance","credit-cards","earnings","finance","payments","payments-and-cards","visa"]));googletag.pubads().setTargeting("storyID",du("00000192-da02-d066-a3d3-da72416d0001"));googletag.pubads().setTargeting("organization",ua(["visa"]));googletag.pubads().setTargeting("PID",du("null"));googletag.pubads().enableAsyncRendering(); googletag.pubads().disableInitialLoad();googletag.enableServices()});var dfpAdSlotsObject={};var dfpAdSlots=[];var staticAdSlots=[];</script><script async="async" id="ias_script" src='//cdn.adsafeprotected.com/iasPET.1.js' data-ias onerror="console.error('Could not load IAS JS library (iasPET.1.js)')" data-public-id="11046" data-timeout=2000> </script><script id="qmod" type="application/javascript" src="https://qmod.quotemedia.com/js/qmodLoader.js" data-qmod-wmid="104778"></script><script id="google_tag_manager_script_injector">'use strict';(function(_window,_document,_tagName,_dataLayer,_accountId){function gtmJsPush(){_window[_dataLayer]=_window[_dataLayer]||[];_window[_dataLayer].push({"gtm.start":(new Date).getTime(),event:"gtm.js"})}function loadGtmScript(){var firstScripElement=_document.getElementsByTagName(_tagName)[0];var newScriptElement=_document.createElement(_tagName);var dataLayer=_dataLayer!=="dataLayer"?"\x26l\x3d"+_dataLayer:"";newScriptElement.async=true;newScriptElement.id="google_tag_manager_injected_script"; newScriptElement.src="https://www.googletagmanager.com/gtm.js?id\x3d"+_accountId+dataLayer;newScriptElement.onerror=function(){console.error("Could not load Google Tag Manager JS library (gtm.js)")};newScriptElement.onload=function(){console.log("Google Tag Manager JS library (gtm.js) loaded");_window.gtmLoaded=true;_document.dispatchEvent(new _window.CustomEvent("GTM:Loaded",{detail:{accountId:_accountId}}))};firstScripElement.parentNode.insertBefore(newScriptElement,firstScripElement)}function execute(){gtmJsPush(); loadGtmScript()}function checkForGtmInitialPush(){if(_window.gtmInitialPush===undefined)_document.addEventListener("GTM:InitialPush",function(){execute()});else execute()}checkForGtmInitialPush()})(window,document,"script","dataLayer","GTM-5DXTZXR");</script> <style>.PromoLeadItem-category,.PromoLeadItem-tags{padding-left:0 !important}</style> <style>.GoogleDfpAd-placeholder+div{background-color:#fff !important}</style> <style>.SearchResultsModule-filters-open{display:none !important}</style> <style>div[data-processed-position="video-in-article"]{padding:0 !important}</style> </body> </html>