Big alert: U.S. credit card debt just hit an all-time high, topping $930 billion in 2025 . That means more consumers and small businesses—perhaps even some in your customer base—are leaning heavily on plastic to stay afloat. But what does that have to do with you, and your 18-wheeler logistics? Consumer Debt Meets Wholesale Workflow When buyers (retailers, subcontractors, mom-and-pop …
Imagine your e-commerce site as a high-speed highway—sleek, fast, and designed for seamless one-click checkouts. Nearly half of U.S. merchants are betting big on this, with 45% saying it’s their top ask from payment processors. It’s a smart move—faster checkouts mean fewer abandoned carts, happier customers, and more conversions. But here’s the twist: when speed becomes the main goal, what …
The CFPB recently hit pause on the proposed Open Banking rule—a move that caused quite a stir among financial transparency advocates. Critics argue it stifles innovation and complicates data sharing. But as regulations shift, there’s a bigger question: how does this impact your bank’s receivables? At Caine & Weiner, we’ve been navigating financial headwinds for over 90 years—and one thing …
Have you noticed? Something’s shifting in the consumer landscape. A fresh Equifax report shows 1.4 million Americans recently missed a credit payment—and at the same time, overall consumer spending just hit a three‑year low. Sounds like a storm on the horizon—and it is, for businesses in retail, finance, and B2C services. So, what’s really happening here? Simply put: consumers are …
The financial landscape is evolving fast, and businesses must keep pace. Cybersecurity has taken center stage, with the California Department of Financial Protection and Innovation (DFPI) mandating an overhaul of cybersecurity measures for credit unions. But, while companies focus on digital security, another risk often gets overlooked: financial security. At Caine & Weiner, we know that a strong business isn’t …
The student loan repayment pause has officially ended—and the ripple effects are already being felt. With consumer debt delinquencies surging to a five-year high, educational institutions and service providers are bracing for a wave of financial strain that may hit closer to home than expected. At Caine & Weiner, we understand how critical timely payments are for schools, universities, and …
It’s a sign of the times: 1.4 million consumers recently missed a credit payment, even as personal spending hit a three-year low, according to recent data. For businesses in the consumer space—whether retail, services, or e-commerce—this signals a red flag: the financial pressure on your customers is rising, and it’s starting to impact your bottom line. But here’s the good …
In a surprising twist, the CFPB’s decision to pull back on its open banking rule has sent ripples through the financial world. Open banking was supposed to usher in a new era of transparency, connectivity, and innovation—but with regulators stepping back, banks are left to fill in the gaps and face growing uncertainty. While tech companies and fintechs debate what’s …
In today’s regulatory tug-of-war, one thing is becoming clear: paying bills shouldn’t be this hard. The Consumer Financial Protection Bureau (CFPB) is under fire once again—this time for actions that may make it harder, not easier, for Americans to pay what they owe. As rules tighten and payment systems become more fragmented, the finance industry is facing a new dilemma: …
Americans just hit a new milestone—but not the kind worth celebrating. According to recent data, credit card debt has reached an all-time high, raising red flags across industries. For businesses in e-commerce and service sectors, this trend isn’t just economic background noise—it’s a direct threat to cash flow. Why? Because when consumers max out, they fall behind on payments—including those …
