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| Central and Eastern European Payment Card Markets: 2009 |
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| Published: 2009/10 |
| The Central and Eastern European Payment Card Markets: 2009 report from Mercator provides an overview of the latest developments in the CEE payment card markets. Beside a high-level overview of the economic development in the CEE region with a focus on it ... |
| Communicating With the Customer: When Green Shoots May Be Crab Grass |
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| Published: 2009/10 |
| As some commemorate the One Year anniversary of Lehmann Brothers' failure and others parse incoming economic data looking for signs that the recession is over, commercial bankers face the ongoing challenge of building and sustaining the trust of their cus ... |
| The Mobile Consumer: Well-Equipped But Cautious |
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| Published: 2009/10 |
| Based on primary consumer surveys The Mobile Consumer: Well-Equipped But Cautious report examines payment card and banking topics, highlighting consumers' growing use of mobile devices,wireless and smart phones, and the implications for growth in mobile p ... |
| Instant Card Issuing: The Good Idea Makes a Come Back |
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| Published: 2009/07 |
| Instant Card Issuance has been available to bank and credit union ATM and debit card issuers for years. But how relevant is the platform experience in the context of mobile banking strategies? The answer could be very relevant as financial institutions wo ... |
| Credit Crunch '09: June Update |
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| Published: 2009/06 |
| As we hit mid year in this challenging environment for the card industry, unemployment-driven charge-offs, the bane of any recession, will likely end up as the year' s greatest issuer concern. As the industry wrestles to control credit risk in the midst o ... |
| Global EMV Migration and the European Market: 2009 |
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| Table of Contents Published: 2009/06 |
| EMV continues to make inroads around the world especially in Europe, Latin America and Canada. However, growth has slowed down partially due to the impacts of the global economic downturn with banks forced to slow down or postpone their migration plans. I ... |
| Challenges in Global Prepaid Card Markets: 2009 |
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| Published: 2009/04 |
| In a new report, Challenges in Global Prepaid Card Markets: 2009, Mercator Advisory Group explores key challenges presented in international prepaid card markets and discusses strategies and best practices that stakeholders in the prepaid card industry ca ... |
| The Rise of Hybrid Credit/Prepaid Cards |
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| Table of Contents Published: 2009/04 |
| The Rise of Hybrid Credit/Prepaid Cards report is one of the first research efforts to date that exclusively focuses on this emerging segment of consumer payment cards. This fusion of prepaid and credit offers small credit lines (under $1,000) meant to me ... |
| Weaponizing Loyalty: New Schemes Bolster Bank Competitiveness |
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| Published: 2009/04 |
| A new report from Mercator Advisory Group' s Retail Banking Practice, Weaponizing Loyalty: New Schemes Bolster Bank Competitiveness offers an in-depth examination of bank loyalty initiatives vitally relevant in today' s banking environment. ... |
| Prepaid Fraud and Risk: Between Cash and a Hard Place |
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| Table of Contents Published: 2009/03 |
| Prepaid Fraud and Risk: Between Cash and a Hard Place presents examples of various schemes that help to illustrate each mode of prepaid fraud. At a very high level, the report explores the concerns surrounding prepaid cards and how they might be exploited ... |
| China's Payment Card Market 2008 |
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| Table of Contents Published: 2008/12 |
| The latest report from Mercator' s International Advisory Service provides an overview on the latest developments in China' s payment card market. Market growth in card issuing, card acceptance, credit card receivables, and purchase transactions are discu ... |
| The Japanese Payment Card Market 2008 |
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| Published: 2008/12 |
| With close to 800 million credit and debit cards in circulation at the end of 2007, Japan is one of the countries with the highest payment card penetration. Japanese residents on average have 6.2 credit or debit cards per person, higher than their peers i ... |
| Brave New World Order |
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| Table of Contents Published: 2008/11 |
| Several of the largest commercial banks in the United States are currently involved in mergers that stand to have a significant impact on the payments industry. The recent merger activity and consumer payment trends are driven by an economy in recession. ... |
| Financial Supply Chain, Payment Opportunities for Innovative Banks |
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| Published: 2008/11 |
| Supply chain management has proven to boost business performance and profitability. By making operational adjustments a business can increase their earnings per share as much as 20%. Financial supply chain deals with the business' cash flow up and down th ... |
| Prepaid Market Forecasts to 2011 |
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| Table of Contents Published: 2008/11 |
| This latest report, the final of three reports that thoroughly benchmark the entire Prepaid Industry, provides a forecast of growth for all 33 Prepaid Market Segments which includes the load volumes and cards issued.
The report finds that the total fo ... |
| 5th Annual Prepaid Closed-loop Market Assessment |
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| Table of Contents Published: 2008/10 |
| This report is the second of three reports that provides a thorough analysis of the growth and ongoing development of the Prepaid Industry. It documents the spending, growth, and market dynamics for the 23 prepaid segments that directly participate in the ... |
| Big Bank Mergers, the Payments Industry and the Dark, Dire Economy |
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| Published: 2008/10 |
| Recent bank mega-mergers face formidable challenges as they take enormous credit write-downs and integrate their technology systems. Moving forward their vast branch footprints (national or mega-regional) will allow each bank to focus on low cost, low-ris ... |
| Electronic Bill Pay: Niche Opportunities Still Abound |
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| Table of Contents Published: 2008/09 |
| This newest report from Mercator Advisory Group' s Retail Banking Practice outlines the opportunities within electronic bill pay that continue to arise as new technologies, new networks and new marketing creates an overlay of bill payment services (from b ... |
| Loyalty & Rewards Bank Retention Strategy |
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| Table of Contents Published: 2008/09 |
| This report from Mercator Advisory Group' s Corporate Banking Advisory Service explores loyalty and customer retention from a banking perspective, specifically how and why these principles can be applied to build stronger business banking relationships. ... |
| Merchant Funded Discount Networks: Adding to the Payments Value Chain |
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| Published: 2008/08 |
| Merchant Funded Discount Networks (MFDN) provide a cost-efficient consumer loyalty, incentive, or promotional marketing initiative that can use a prepaid card or other payment card as the instrument for targeting customers and delivering offers and incent ... |
| REMOTE DEPOSIT CAPTURE SUPPLIER REVIEW |
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| Published: 2008/08 |
| This report provides a primer on Remote Deposit Capture (RDC). It reviews the state of the industry, the impact of RDC on check processing trends, and provides an overview for 10 RDC service suppliers.
This report finds that Remote Deposit Capture con ... |
| Self-Service Kiosks, Bill Pay and Getting It Right |
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| Published: 2008/08 |
| Mercator Advisory Group is pleased to announce the release of its latest report, Self-Service Kiosks, Bill Pay and Getting It Right.
For C-level and operational leadership of financial institutions and operators of financial services for underserved m ... |
| Banks, Cognitive Dissonance and Underserved Consumers |
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| Table of Contents Published: 2008/07 |
| This newest report from Mercator Advisory Group' s Retail Banking Practice explores the perils facing banks as they present: clashing marketing messages; confounding product pricing policies; and, innovative adverse credit offerings to the unbanked, under ... |
| Credit Card Aggregator Websites: The Hidden Marketing Channel |
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| Published: 2008/05 |
| Those seemingly ubiquitous advertising links for credit card search/comparison websites might be easily dismissed as faded billboards on the information superhighway. An analysis of traffic volumes suggests something more consequential: the emergence of a ... |
| India's Electronic Payments Future |
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| Published: 2008/05 |
| India boasts one of the fastest growing economies in the world. The Indian banking and payments sector have undergone reforms and are rapidly changing. ... |
| Industry Segmentation: Identifying High Value Niche Opportunities |
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| Published: 2008/05 |
| This report from Mercator Advisory Group' s Corporate Banking Practice talks about the importance of industry segmentation, especially for finding unique high value market niches.
Today' s economy and competitive environment requires bank marketers to ... |
| US Mobile Banking: Sedate Growth, Disruptive Potential |
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| Published: 2008/05 |
| Mercator Advisory Group is pleased to announce the release of its latest report, US Mobile Banking: Sedate Growth, Disruptive Potential.
Mobile banking will be a disruptive force for smart FIs willing to tailor their message to specific demographics. ... |
| Web 2.0? (Virtual Banking) |
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| Published: 2008/04 |
| If banks are serious about attracting, acquiring and retaining relationships with Generation Y, they need to jump at developing Web 2.0 business strategies. In the following decade, GenY (born 1978-1989) will all have entered the workforce and by 2017, Ja ... |
| Network Exclusivity The Changing Direction of the Industry |
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| Published: 2008/03 |
| A trend within the leading EFT networks indicates that they are redefining their PIN debit strategy. The Interlink, STAR, PULSE and NYCE networks have all announced sole provider or exclusive processing agreements for PIN Debit POS transactions with membe ... |
| RESTRICTED AUTHORIZATION NETWORKS: WINNER TAKES ALL |
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| Table of Contents Published: 2008/03 |
| This report shows how merchants and others can bring Prepaid Cards and Debit Cards to market, funded by Decoupled Debit and other mechanisms, to help consumers better manage their expenses and deliver meaningful savings - and therefore addressing this gro ... |
| Retail-ization of Corporate Banking |
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| Published: 2008/03 |
| This first report from Mercator Advisory Group' s Corporate Banking Practice looks at banks using retail strategies to deliver business banking products to corporate customers. The report examines the touch points within corporate banking being used to ex ... |
| International B2B Payments: State and Future of the Marketplace |
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| Published: 2008/02 |
| This report sets the stage for further B2B content as Mercator Advisory Group continues its coverage of the United States payments market which includes separate forecasts of checks, ACH, CHIPS, and Fedwire volume through 2010. The report reviews how B2B ... |
| Loyalty and Rewards: Welcome to the New Normal |
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| Published: 2008/02 |
| The first report from Mercator Advisory Group' s new launched Retail Banking Practice explores the hazardous route retail banks are taking disintermediating the loyalty of customers through overdraft fee maximization and onerous, templatized, rewards prog ... |
| Merchant Cash Advance: Industry Primer and 2008 Outlook |
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| Published: 2008/02 |
| The Merchant Cash Advance (MCA) market will likely face increased M&A and start-up activity and formations of new alliances in 2008 as existing players consolidate and speculators who were singed by the subprime mortgage crisis seek new revenue streams. ... |
| Mobile Payment Case Studies: UMPay and China's Mobile Payment Market |
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| Published: 2008/02 |
| Beijing Union Mobile Pay (UMPay) is the largest mobile payment service provider in China, the largest single mobile phone market in the world. Since established in 2003, UMPay has been making steady progresses in rolling out various mobile payment service ... |
| SEPA for Cards: Uncertainty Remains after the Deadline |
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| Published: 2008/02 |
| Single Euro Payment Area, or SEPA, has finally entered into the migration phase on January 28, 2008. As the first step of the migration, the European banking industry has started to offer SEPA-compliant credit transfer services across the SEPA region, whi ... |
| Remote Deposit Capture for the Consumer |
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| Published: 2008/01 |
| Mercator Advisory Group is pleased to announce the release of its latest report, Remote Deposit Capture for the Consumer. This new report looks at the RDC in the consumer market, specifically RDC at the ATM and a few of the fairly unknown at home applicat ... |
| Mercator Advisory Group Payments Industry M&A Report - Q3 2007 |
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| Published: 2007/12 |
| In the third quarter, M&A activity in the payments industry went through a sudden, if not unexpected, deceleration. ith strains on capital availability increasing from the still growing sub-prime meltdown and signs of slowing global economic activity, the ... |
| 4th Annual Prepaid Closed Loop Market Assessment |
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| Published: 2007/09 |
| This report provides an overview of spending in each category and delivers details on the dollars loaded in each segment, the growth over the last four years, and the market dynamics that impact each segment. ... |
| The Global and US POS Markets: Forecasts and Futures |
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| Published: 2007/09 |
| The report discusses the pressures operating within the POS terminal market and looks at the varying strengths and strategies of POS hardware makers and VeriFone, Ingenico, Hypercom, ExaDigm, WAY Systems, VIVOtech and others.
The report concludes with ... |
| Sizing Canada's Growing Card Market |
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| Table of Contents Published: 2007/07 |
| Bordering the world' s largest general purpose card market, the Canadian card industry is increasingly vibrant and diverse. Since their introduction, credit and debit cards have become the preferred methods of payment for many Canadian consumers. ... |
| The ATM Turns 40 - Time For a Change |
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| Published: 2007/07 |
| This report evaluates the current ATM environment and the value chain of participants as it exists today and the future of this ubiquitous self-service device. ... |
| Online and Mobile Digital Content Markets |
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| Table of Contents Published: 2007/06 |
| For payments professionals at financial institutions, payment processors and others needing to understand the digital content supply chain, this new report frames the challenges and opportunities posed by digital content across multiple distribution chann ... |
| Debit Rewards At the Top Fifty Banks |
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| Published: 2007/04 |
| This report evaluates the changes that have occurred in the Debit Reward marketplace in the last year by comparing the state of the debit reward programs at the top fifty debit card issuers (in annual card holder spending) today as compared to more than a ... |
| Small Credit Card Issuers: Flying Under The Radar |
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| Table of Contents Published: 2007/04 |
| This report examines the little-reported marketplace of small credit card issuers. The small issuer market is large indeed in terms of the number of players, with over six thousand institutions having credit card receivables less than $100 million on thei ... |
| U.S. B2B Payments: State of the Market |
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| Table of Contents Published: 2007/04 |
| Mercator Advisory Group, one of the fastest growing financial services research companies in the United States, announced today the availability of its latest report, U.S. B2B Payments: State of the Market. This latest report delivers a B2B payments growt ... |
| Emerging Card Markets In Europe |
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| Published: 2007/03 |
| This report provides a definition for this growing market and covers the credit and debit markets on a regional basis supported with country-specific data. It also provides population trends for strategic planning and market evaluation purposes both at th ... |
| Smart Cards and Healthcare |
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| Published: 2007/03 |
| In Smart Cards and Healthcare: An Opportunity For Payments, Mercator Advisory Group examines various examples of healthcare smart card programs in France and Germany. In addition, a US-based pilot that involved two-factor patient authentication is reviewe ... |
| AML Update: Moving Toward The "Total Mix" |
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| Table of Contents Published: 2007/01 |
| Mercator Advisory Group is pleased to announce that its update on anti-money laundering (AML) activity as it affects FI' s and vendors is now available. This report examines the growing FI-wide approach to AML as well as trends in compliance enforcement, ... |
| Commercial Capture Solutions |
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| Published: 2007/01 |
| Remote deposit or check image capture has taken off far faster than expected. The rapid adoption of the product by banks and commercial customers alike has taken the industry by storm and revived the sagging check segment of payments. As this new form of ... |
| Walk-in Bill Payment |
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| Published: 2006/07 |
| This report provides the research about Walk-in Bill Payment Market. ... |
| Global Card Markets |
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| Published: 2006/05 |
| General-purpose card charge and transaction volume continue to grow strongly at nearly 15% year-over-year rate around the world, driven by the increasing use of debit cards as well as credit cards. ... |
| To Steer Or Not To Steer? That's Not The Question |
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| Published: 2006/05 |
| This report explores the topic of cardholder steering, the process by which card issuers and merchants seek to influence consumers' choice of payment vehicles. In today's environment, steering often connotes PIN-steering, the process by which merchants in ... |
| Predicting Mobile Payment Success In Asia |
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| Published: 2006/03 |
| As mobile payments show signs of proliferating across the globe, both traditional payments providers and cellular market stakeholders will look to introduce products and services to the market. ... |
| New Ideas in Portfolio Analytics |
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| Published: 2006/01 |
| In an environment of slowing portfolio growth rates, issuers need to explore ways to make their existing portfolios more profitable. Mercator Advisory Group has covered a variety of strategies to improve portfolio returns in previous work, and in this rep ... |
| Online Authorization: Response To FFIEC Guidance |
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| Table of Contents Published: 2005/12 |
| The report identifies the leading technologies used to perform multifactor authentication. Technologies are ranked according to their effectiveness at authenticating customers, the relative cost of implementation and the relative cost to users in terms of ... |
| Opportunities for Growth in US Credit Card Issuing |
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| Table of Contents Published: 2005/12 |
| This report approaches the issuer from a different perspective: what can issuers do to make up for slowing loan growth? Despite the slowing of the industry's core profit engine, opportunities still exist in the US Consumer Credit issuing space. ... |
| U.S. Credit Card Reward Program Review |
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| Table of Contents Published: 2005/12 |
| There has never been a more challenging time for the loyalty marketers of the U.S. credit card industry. The market is nearly saturated with reward programs, and cardholders have become deal hunters. ... |
| DEBIT FRAUD PREVENTION HINGES ON CONSUMER IDENTITY PROTECTION |
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| Published: 2005/11 |
| This report studies the increasing loss of confidential consumer data from home computers and business sites. It also evaluates the potential that this data may be used more effectively by criminals to launch attacks in the future. ... |
| VIRTUAL POINT OF SALE MARKETS AND GROWTH |
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| Table of Contents Published: 2005/11 |
| This report is the second of a two-part series concentrating on virtual point of sale. In this report, Mercator Advisory Group examines growth and market adoption in the vPOS market. vPOS penetration has gone well beyond traditional retail environments, e ... |
| ANTICIPATING MICROPAYMENT GROWTH |
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| Table of Contents Published: 2005/10 |
| Over the past year, the number of micropayments transactions processed over electronic networks has skyrocketed. Sub-five dollar sales of online digital content and mobile content showed significant growth from 2003 to 2004 and no signs of slowing down. ... |
| THE STRATEGIC IMPLICATIONS OF VIRTUAL POINT OF SALE TERMINALS |
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| Published: 2005/10 |
| vPOS (virtual point of sale) is the means for turning an IP connected PC into a payment terminal that can accept and process payment card transactions at the point of sale. The latest research, the first in a series of two reports on vPOS, from Mercator A ... |
| INNOVATIONS IN ONLINE BILL PAYMENT |
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| Table of Contents Published: 2005/08 |
| From its inception, online bill payment has made waves in the industry. The latest research from Mercator Advisory Group explores developments in online bill payment and their effects on the industry's future. ... |
| LOAD VOLUME CARD FORECAST FOR 33 MARKETS (OPEN AND CLOSED) |
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| Published: 2005/07 |
| Using data derived from the 2004 and 2005 prepaid market benchmarks that investigated both the Open and Closed prepaid markets, Mercator has produced the prepaid industry's first four year forecast predicting the total spend and the total number of cards ... |
| 2005 Legal and Regulatory Review |
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| Published: 2005/06 |
| Regulations and legal issues are changing the credit card industry from a number of different angles. Congress and the President gave the industry a victory when they passed a bankruptcy reform bill heavily lobbied-for by the card industry, but now seems ... |
| Wireless POS Market Segments, Size, and Strategy |
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| Published: 2005/06 |
| Wireless POS (wPOS), which first gained media attention around the turn of the century (2001), has since developed into a far more realistic offering. Most of the leading terminal manufacturers have released wireless POS devices aimed at cornering this bu ... |
| Anti-Money Laundering Technology |
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| Published: 2005/03 |
| The Patriot Act is the latest in a lengthy string of government regulations requiring banks to assist law enforcement in fighting crimes by looking for money laundering activities. ... |
| The Prepaid Value Chain Exposed |
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| Published: 2005/03 |
| Prepaid products are based on design tradeoffs that select attributes from hundreds of options (fixed amount vs. variable amount, embossed vs. named vs. anonymous, or Visa vs. MasterCard vs. regional EFT network support, etc.) as well as hundreds of go-to ... |
| Impact Of Changing Payment Landscape on Banks |
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| Published: 2005/02 |
| Previous Mercator Advisory Group research, Processors React to Expanding Merchant Needs identified new merchant activities that have driven dramatic change at the Point-of-Sale (POS) and documented the impact of this change on payment processors. ... |
| Processors React to Expanding Merchant Needs |
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| Table of Contents Published: 2004/12 |
| Payment processors need to help merchants evaluate more payment options today than ever before, ranging from cash & checks to eChecks, debit, credit, and a myriad of new closed and open loop payment instruments based on prepaid and loyalty cards. ... |
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