Pre-prepared research and reports from
Payments Cards and Mobile
If you have a possible project you wish to discuss, please make contact using the e-mail address below:
research@paymentscm.com
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>>
UNBANKED IN THE USA
Management report
Financial services for the unbanked in the USA - why, who and what?
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?
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>> PDF 160kb
UK credit cards -
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>> PDF 1.2mb
Third Party Reports
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>>
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>> PDF 550kb
GlobalPlatform’s Proposition for NFC Mobile
GlobalPlatform’s Proposition for NFC Mobile:
Secure Element Management and 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 white paper>> PDF 5.4mb
For orders contact Kaye Skinner on +44 1263 740396
or e-mail: kaye@paymentscm.com
