Developing actionable strategies to profitably increase market share requires a clear understanding of your customers and prospects. The Lightspeed Research Financial Services Group provides credit card issuers, retail banks, payment networks and other industry stakeholders with data-driven solutions that inform business strategies.

Lightspeed provides unparalleled insight into consumers' use of credit, debit, banking and alternative payment products. We passively gather information from their financial accounts and merge it with third-party behavioral datasets, survey-based attitudinal insights, and industry expertise. The information we leverage is:

• Comprehensive - We provide a "full wallet" view across customers' many financial services relationships. In addition, we profile consumers based on demographics, credit usage, and interests/associations.
• Granular - Lightspeed's innovative data collection techniques provide a detailed view of account characteristics (i.e., product pricing, credit line, rewards), cardholder behavior (i.e., payment profile, utilization, spend volume) and transaction details (i.e., merchant-level information, fees).
  
• Longitudinal - Our data collection methodology generates very little panelist attrition, resulting in a consistent set of consumers. This enables us to identify trends on a quarter-over-quarter or year-over-year basis.
• Applied - Our analysts and consultants apply their skills and industry experience to transform data from "interesting" or "nice to know" into actionable insights that drive marketing and portfolio management strategies

We provide clients with:

• Full-wallet analysis of consumers' credit card ownership and usage
• An understanding of the relationships and dependencies across all consumer loan products
• Trended changes in banking account behaviors and usage (debit, checks, ATM, and bill pay)
• Demographic profiles, consumer perceptions, and preferences that drive product development