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David Shipper

Strategic Advisor at Datos Insights (Formerly Aite Group) and 1 other company
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David Shipper is a Strategic Advisor in the Retail Banking & Payments practice at Datos Insights. His focus is on debit and credit cards. Based in Scottsdale, Arizona, David brings to Datos Insights more than 15 years of experience leading card and payment strategies for financial institutions in the U.S.

Prior to joining Datos Insights, David managed the debit card and mobile wallet initiatives at Bank of the West, where he led a variety of projects to improve the customer experience and card production timelines, reduce fraud write-offs, and increase overall debit card program profitability. Before that, David was Payments Strategy Manager for Landmark Bank in Columbia, Missouri, where he managed payment products and launched the bank’s first in-house consumer and commercial credit card business. He has also managed debit card and payroll card products for Regions Bank as well as consumer-direct loan products and retail marketing initiatives for BBVA. Additionally, David has been an active member of multiple payment industry advisory groups, including the ABA Payment System Administrative Committee (PSAC), the FIS Retail Payments Card Advisory Council, and the Federal Reserve Faster Payments Task Force.

David has been quoted in various media outlets, including The New York Times, Time.com, The Paypers, BAI, American Banker, and Digital Transactions. He holds a degree in marketing and an MBA in Finance from Auburn University at Montgomery.

  • Closing Credit Cards: Avoid Losing Your Hard-Earned Rewards
    David advises cardholders to redeem all points before closing accounts, as "rewards are forfeited upon closure." Legal protections are minimal, and banks rarely allow retroactive redemptions. Closing a card can impact credit scores, so keeping accounts open may be beneficial. Some issuers allow redemption for any amount, which can help deplete rewards before closure.
  • Change Payment Habits to Cut Spending, Advises Financial Expert
    David suggests switching from credit to debit cards, or from debit to cash, to become more mindful of spending. He warns against using rewards cards for all purchases, recommending them only for bonus categories. Tracking spending with account alerts can highlight overspending, and reviewing daily transactions can identify unnecessary expenses, potentially saving significant money by 2025.
  • Discover to Capital One: What Cardholders Need to Know
    David advises Discover cardholders that "major changes are unlikely" post-merger. Credit limits and cards should remain stable, with potential improvements in global acceptance through Capital One's Visa and Mastercard ties. Fees and rewards are expected to stay consistent initially. David recommends staying with Discover, as both companies have strong reputations. The merger could enhance cardholder experiences.
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  • If you don't want a permanent card or if you want to support a specific purpose, a virtual card can make that happen faster and it can save the costs involved with a physical card. It's good timing for virtual cards, there are a lot of use cases that are on the rise and others will come up.

  • A recent survey by LendingTree showed that an estimated 27% of Americans are likely to apply for store credit cards this holiday season alone, indicating the widespread appeal of co-branded card offerings. This trend underscores the opportunity for merchant brands to be the face of customer relationships by integrating financial services via embedded finance, offering innovative and personalized credit solutions.

  • Marqeta’s 2023 State of Credit report provides in depth insights into changing consumer credit habits and acts as a roadmap to help financial services companies build, grow, and sustain consumer financial relationships. And what is most surprising is the apparent opportunity it reveals for merchant brands to become the face of these relationships by offering products, such as credit cards and BNPL, via embedded finance.

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