Payments cards and Mobile Research
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:
|PCM Pre-prepared research and reports|
CARD PROCESSING HUBS ROUND Table - in association with Clear2Pay
The payment hub way for card payments processing
Late summer 2011, a group of card experts met at Clear2Pay’s new Amsterdam offices to debate the value of payment hubs for cards processing in the light of the convergence debate.
Are cards truly so special they need to keep their silo, where other payments types all congregate in payment hubs to be processed ‘side by side’?
Is the specific real-time nature of card processing too costly and too much of a burden for a multi-product payment hub?
What is the benefit for banks and other card service providers if they bring processing platforms together?
CARD PROCESSING HUBS Clear2Pay WHITE PAPER
Card Processing Hubs
Essential reading for those card processors looking for a technology refresh. This strategic white paper “Card Processing Hubs”- Cost, Convergence & Complexity: The role of Payment Services Hubs in card payment processing by Clear2Pay looks in detail at the issues that concern card payment executives in banks and to investigate what strategies are feasible for banks as they seek to refresh card payments technology. Payment hubs (PSH) for card payment processing and its benefits Organisational issues of deploying a PSH for cards Payments governance issues Case study – it can be done!
INSIDE ADVANCED PAYMENTS sponsored by MASTERCARD WORLDWIDE
What are advanced payments?
There is no standard definition of advanced payments. For the purposes of this supplement, we have included three types of payment categories: Online, contactless, and mobile payments.
This categorisation is made in the context of current debates, customer perceptions and discussions with payment industry professionals. There are other areas that could be reviewed as advanced payments but have not been included, primarily to manage the scope of this supplement.
European Payment Card Fraud Report 2010
Payment card fraud is a major concern across Europe, and the major driver of EMV implementation. But how do fraud losses compare between markets? This is the third short report looking at trends and developments in payment card fraud. The first report, published in late 2008, focused on the scale of fraud losses in Europe, and how they compared between countries. It drew on data available for France, Spain and the UK to analyse the level and composition of fraud losses across the three markets. The 2009 report extended the analysis to include the Netherlands. The 2010 report takes a more thematic approach.
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.
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.
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?
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.
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.
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
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 email@example.com.
Financial services for the unbanked in the USA - why, who and what?
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.
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.
|Third Party Pre-prepared research and reports|
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
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.
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