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Payments cards and Mobile Research
Market intelligence
Business, technology, market.
Payments Cards and Mobile Research offers comprehensive, targeted research into topics which are relevant and tailored to your needs.
Payments Cards and Mobile offers a Research facility which publishes both short bulletins and longer research reports on current topics in banking, payments and mobile payments worldwide - some freely available for download.
Topics range across the measurement of efficiency and performance, card related information, the role of brands in banking and the impact of non-banks such as retailers on the financial services and mobile financial services market.
Payments Cards and Mobile also offers specific research on some aspects of banking, card payments, financial services and the mobile financial services market - for example, information on a particular market or a pan-European comparison of particular segment. Through our partners in this area we can offer comprehensive, targeted research into topics which are relevant and tailored to your needs – billed in a tiered manner allowing maximum efficiency for reasonable budget.
If you have a possible project you wish to discuss, please make contact using the e-mail address below:
research@paymentscm.com
| PCM Pre-prepared research and reports |  |
Prospects for banking without the banks
Tesco Bank and Virgin Money
Despite the excitement surrounding their plans, new entrants such as Virgin Money and Tesco Bank face major challenges in building full-service retail banks according to a new report published by Payments Cards and Mobile.
Click here for full Tesco Bank and Virgin Money report synopsis
INSIDE FRAUD sponsored by VISA
Fraud is one of the most fascinating aspects of our industry, not least because it is relentless and mutating.
While overall, this comparison between card fraud losses and types in the Spanish, French, British and Dutch markets suggests that fraud losses are being contained as a proportion of card turnover, there is no room for complacency. Payments Cards and Mobile takes an in depth look at what's happening in our Inside Fraud supplement.
Click here to download the Inside Fraud supplement
FRAUD REPORT
Payment Card Fraud in France,
Spain and UK
Payment card fraud is a major concern across Europe, and the major driver of EMV implementation. But how do fraud losses compare between markets?
View the full synopsis
RECOVERY ON THE CARDS?
Quarterly spending bulletin
Earlier bulletins in this series (see below links) used quarterly data for Ireland, Spain and the UK to explore the impact of the financial crisis on payment card use. Following the intensification of the crisis during the second half of last year, the bulletins showed how the growth in card use fell sharply, and in some cases turned negative. This bulletin updates the picture. It examines whether data now available for the second quarter, and in the case of Ireland, third quarter of 2009, shows any signs of an upturn.
View the full Card Crisis Bulletin
CRISIS ON THE CARDS
Irish credit cards bulletin
A recent PCM research bulletin documented the significant impact of the financial crisis on
card use in Spain and the UK. However, as this follow-up bulletin documents, the slowdown in
those markets looks modest compared with Ireland. In the space of two years, the Irish credit
card market mutated from strong growth to sharp contraction.
View the full Irish Card Crisis Bulletin
CRISIS ON THE CARDS
Quarterly spending bulletin
The availability of quarterly data for Spain and the UK provides a valuable window on the
impact of the financial crisis on card use. And that impact appears significant. For the first
time in living memory, the payment card industry is having to cope with negligible and even
negative growth.
View the full Card Crisis Bulletin
2009 Mobile Financial Services Study
Payments Cards and Mobile Research and Edgar, Dunn & Company have joined forces over the last three years to conduct the Mobile Financial Services Studies.
These surveys focus on the range of financial services potentially available via handheld devices. The objective of the survey is to garner the insights from thought leaders in mobile technology and financial services. The information we gathered and compiled reflect a vision of the direction that mobile financial services are headed, as well as an understanding of how that vision has evolved over the last three years.
If you have any questions regarding the survey or if you would like to arrange an in-person presentation of the findings from the study, please contact us at info@mobilepayments.com.
VIEW the 2009 Mobile Financial Services Study Results
VIEW the 2008 Mobile Financial Services Study Results
VIEW the 2007 Mobile Financial Services Study Results
UNBANKED IN THE USA
Management report
Financial services for the unbanked in the USA - why, who and what?
View the full synopsis
Banking at the Checkout 2007/08
Landmark Report Updated and Expanded.
In June 2006, ECR published its landmark report analysing the record of leading retailers as providers of financial services. In response to considerable interest in the report, an updated and expanded version is now available.
The new report covers the latest developments. These include the ambitious plans of Wal-Mart, the world’s largest retailer, to expand its offer of financial services. The report also looks at the implications of the move in many markets away from own-label store cards and towards co-branded credit cards. Download a copy of the synopsis for a full list of the report’s contents.
Written by Steve Worthington, marketing specialist at Monash University in Melbourne, and independent banking consultant Peter Welch, the report is essential reading for those in cards, banking and retailing.
Available at an unchanged price of £750/€1,150.
View the full synopsis
UK credit cards -
an industry in decline?
The experience of 2006 raises important questions for the industry’s long-term future. Do the changes represent little more than a cyclical adjustment as consumers’ take-up of credit inevitably
slows? Or do they represent a more substantial change, signalling the start of a sustained period of market contraction. And with the pressure on income and costs, how can issuers sustain their
profitability? This report offers a timely analysis of these questions.
View UK credit card report
| Third Party Pre-prepared research and reports | |
SmartTrust - White Paper
The role of SIM OTA and the Mobile Operator in the NFC environment
NFC, Near Field Communication, is a standards based communication technology that makes possible a new, expanded role for the mobile handset. The mobile handset becomes the subscriber’s key for authorizing payments, accessing services and getting information from their immediate environment. This white paper describes the role of SIM OTA as a key enabler for applications based upon NFC.
Author: Daniel Ericsson, business development director, SmartTrust
View the full SmartTrust white paper
Trustwave
ATM Malware Analysis Briefing
Trustwave’s SpiderLabs performed the analysis of malicious software (malware) found
installed on compromised ATMs (Automated Teller Machines) in the Eastern European
region. This malware captures magnetic stripe data and PIN codes from the private memory
space of transaction-processing applications installed on a compromised ATM.
View the full Trustwave ATM Malware Analysis Briefing
GlobalPlatform’s Proposition for NFC Mobile
Secure Element Management & Messaging
Near Field Communication (NFC) presents significant business opportunities when used in mobile phones for applications such as payment, transport ticketing, loyalty, physical access control, and other exciting new services. To support this fast evolving business environment, several entities, in addition to Mobile Network Operators (MNO), will become involved in the NFC mobile ecosystem. By nature of their individual roles, these players will need to communicate with each other and exchange messages in a reliable and
interoperable way.
View the full Global Platform NFC white paper
Payment Card Yearbooks have published their latest editions - European Payment Cards Yearbook 2009-10, containing 33 individual country profiles and Russia and CIS Payment Cards Yearbook 2010-11, containing 10 individual country profiles.
