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Mercator Advisory Group

Welcome to the News View for "Mercator Advisory Group".

Here, on these archive pages, you'll find all of the articles on Payments News for Mercator Advisory Group listed in date sequence beginning with the most recent article at the top of the page.

Click here for a complete listing of what's available in the Payments News Archive - organized by both posting date and subject category.

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November 29, 2010

Merchant Advisory Group Releases Recommendations for Move to Mobile Payments

The Merchant Advisory Group (MAG) has announced a high-level set of policy and technology recommendations for changing how U.S. payment systems work. "This 'Mobile Road-map' will be submitted to stakeholder groups in the payments business to help them understand merchant needs and preferences in transitioning to more secure and efficient transacting—especially with mobile devices."

The position paper is here (PDF). The key take away is the group endorses widespread use of Chip & PIN in the U.S.

February 08, 2010

Mercator Looks at the Economics of Debit Acquiring

Mercator Advisory Group has published a new report titled "The Economics of Debit Acquiring". The report "provides an overview of the costs associated with enabling merchants to accept debit cards for payment. This report evaluates EFT network pricing trends and provides an in-depth analysis on the implications these trends will have on acquirers. This report also offers the U.S. market share for the top companies in payment acquiring, discusses ways in which share can be measured, and analyzes PIN debit's role in skewing market share depending on which metric is used."

June 24, 2009

Mercator Advisory Group Publishes End-to-End Encryption Report

MercatorAdvisoryGroup_logo-140px.jpgMercator Advisory Group has published a new report, End-to-End Encryption: The Acquiring Side Responds to Data Loss and PCI Compliance that "explores end-to-end encryption (E2EE) in the hands of merchants, payment service providers and processors. In the face of the three bogies of PCI DSS compliance and penalties, reputational risk and direct financial loss, the acquiring half of the payments process is evaluating options for eliminating cleartext cardholder data from their systems. Tokenization (the subject of a recent Mercator report) and end-to-end encryption are the leading candidates. This report examines the complexity of E2EE within payments and enterprise security." READ MORE »

September 03, 2008

Retail Credit Cards: New Interest In An Old Topic

Mercator Advisory Group has announced a new report titled "Retail Credit Cards: New Interest In An Old Topic" that "examines the venerable world of private label and co-branded retailer credit cards, and the market forces that are shaping this segment. The vast majority of retailers have turned their programs over to third party issuers, but these retailers' interest in payments as a sales enabler and relationship building tools have never been higher. And with more payment vehicles and providers at their disposal, retailers increasingly focus on developing their optimal payments strategy." READ MORE »

July 30, 2008

Merchant Acquiring in the United States 2008

Mercator Advisory Group has published a new report titled "Merchant Acquiring in the United States 2008: Birth of the Perfect Storm". Mercator talks about three major events influencing the US merchant acquiring business: 1) Legislation - interchange legislation being considered in Congress, 2) Dissolution - the split of Chase Paymentech between First Data Corp. and JP Morgan Chase, and 3) Recession - the potential effects of a slowdown in the US economy.

May 21, 2008

Mercator Looks at US Mobile Banking Initiatives

The Mercator Advisory Group has announced a new report titled "US Mobile Banking: Sedate Growth, Disruptive Potential". According to Mercator, "mobile banking will be a disruptive force for smart FIs willing to tailor their message to specific demographics. Otherwise, mobile banking is in danger of becoming "yet another" convenience feature leaving the broad flank of the FI community exposed to more nimble players wielding mobile-enabled alternatives. A mobile-enabled decoupled platform is just one possibility." READ MORE »

March 17, 2008

A Look at Restricted Authorization Networks

The Mercator Advisory Group has published a new report titled "Restricted Authorization Networks: Winner Takes All" by Tim Sloane, Director of Mercator's Prepaid Advisory Service. The report explores "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 growing consumer demand. But most importantly, this report identifies how Restricted Authorization Networks can control how these cards are used in ways that were never before possible."


December 07, 2007

China's Credit Card Issuing Market

Mercator Advisory Group has published a new report titled "Roadmap to Profit's in China's Credit Card Issuing Market" that provides both qualitative and quantitative analyses on the profitability of China's credit card issuing market.


November 20, 2007

Mobile Financial Services Security

Mercator Advisory Group has announced its latest report titled "Mobile Financial Services Security: A New Ecosystem at Risk."


November 02, 2007

Updated Prepaid Market Forecasts 2007 to 2010

Mercator Advisory Group has published a new report titled "Prepaid Market Forecasts 2007 to 2010" that provides "a forecast of growth for all 33 Prepaid Market Segments" including the load volumes and cards issued.


October 30, 2007

A Look at Decoupled Debit

Mercator Advisory Group has announced a new report titled "Decoupled Debit - Let's Take a Closer Look" that the company says "evaluates the recent emergence of this new and possibly disruptive technology in the financial services industry, decoupled debit. Decoupled debit is an alternative based ACH debit card solution that utilizes two existing systems that are well defined in the financial services industry but were not designed to work in combination with each other, the ACH network and the branded payment networks such as MasterCard, Visa, NYCE, etc."


Small Business Credit Card 2007 Update

Mercator Advisory Group has announced a new report titled "Small Business Credit Card 2007 Update: Competition for Segments Intensifies" that examines recent developments in the highly competitive small business credit card marketplace.


October 18, 2007

A Look at Card Account-Level Processing

Mercator Advisory Group has published a new report titled "Account-Level Processing: Taking a Swipe at Payment and Loyalty Convergence". "The report focuses on Account-Level Processing (ALP), alternately known as Account-Level Management (ALM), which has the potential to revolutionize the payments landscape by optimizing the value that inherently exists within the data created by card-based electronic payments, thereby fundamentally changing the way consumers and merchants transact, as well as the way the general card payment services industry functions."


October 11, 2007

Mercator's 4th Annual Prepaid Closed Loop Market Assessment

Mercator Advisory Group has announced its 4th Annual Prepaid Closed Loop Market Assessment, "documenting the spending, growth, and market dynamics for all Closed Loop Prepaid Solutions in 12 Categories and 33 Market Segments from 2003 through 2006."


September 20, 2007

Global and US POS Markets

Mercator Advisory Group has published a new report titled "The Global and US POS Market: Forecasts and Futures" that reviews global and regional POS terminal shipments and approximate revenues and looks at the future role of POS terminals in the payment ecosystem.


August 29, 2007

A Look at Alternative Payment Services

Mercator Advisory Group has published a new report titled "Alternative Payment Services: Moving into Traditional Payment Territory" that offers "an in-depth look at the principle providers of alternative payment services" and "examines the payment modalities supported by these alternative payment services and the consumer demographics they appeal to."


August 06, 2007

Business Models and Revenue Streams in Merchant Acquiring

The Mercatory Advisory Group has published a new report titled "Business Models and Revenue Streams in Merchant Acquiring: Beyond the Monthly Residual Check" that "focuses on the state of the acquiring market & discusses the market strategy of the industry's most successful players."


The ATM Turns 40

Mercator Advisory Group has published a new report titled "The ATM Turns 40 - Time For a Change" that "evaluates the current ATM environment and the value chain of participants as it exists today and the future of this ubiquitous self-service device."


July 16, 2007

Mercator Looks at Global EMV Chip Card Migration

Mercator Advisory Group has published a new report titled "Global EMV Migration Update: Europe, Asia Pacific, and Latin America" that discusses the shift from relatively vulnerable magnetic stripe payment cards to more secure microprocessor-based smart cards in Europe, Asia Pacific, and Latin America regions. The report provides an overview of the state of the payment card market for each region, an analysis of the business case for EMV migration projects, and the progress of these projects.


June 28, 2007

Mercator Looks at HSA Growth

Mercator Advisory Group has released a new report titled "HSA Growth Accelerates In Uncharted Waters" that discusses the significant investments being made to implement Prepaid HSA cards that will provide significant benefits to cardholders and Third Party Administrators.


June 21, 2007

Online and Mobile Digital Content Markets

Mercator Advisory Group has announced a new report titled "Online and Mobile Digital Content Markets" that it says "frames the challenges and opportunities posed by digital content across multiple distribution channels and as advertising or paid content."


June 19, 2007

May 24, 2007

US Mobile Banking and Payments

Mercator Advisory Group has announced a teleconference titled "U.S. Mobile Banking and Payments: Finding the Seams, Accelerating the Pace" - scheduled for Friday, June 1, beginning at 1 PM Eastern.

Debit Card Rewards At the Top Fifty US Banks

Mercator Advisory Group has announced a new report that "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 year ago."


May 14, 2007

U.S. B2B Payments - State of the Market

Mercator Advisory Group has announced the availability of a new report titled "U.S. B2B Payments: State of the Market." According to Mercator, this report "delivers a B2B payments growth forecast, an overview of Business-to-Business (B2B) payments, how businesses communicate their payments and information, major payments network basics, and leading bank processors."


May 10, 2007

Solving the Micropayment Problem, Online and at the Point of Sale

Mercator Advisory Group has announced its latest report, Solving the Micropayment Problem, Online and at the Point of Sale, that reviews "both the history and challenges of electronic micropayments and examines how the existing rails have evolved to address under $5 electronic payments at both the point of sale and for online transactions."


April 11, 2007

Smart Cards and Healthcare

Mercator Advisory Group has published a new report titled "Smart Cards and Healthcare: An Opportunity For Payments".


April 05, 2007

New Mercator Report on US Mobile Banking and Payments

Mercator Advisory Group has announced its latest report, "US Mobile Banking And Payments: Finding The Seams, Accelerating The Pace." According to Mercator, the report "reviews the recent upswing in mobile banking initiatives and mobile payments pilots as well as the drivers behind this charge, examines preconditions for mobile success, key technology advances that make success far more likely than in the past and, most important, examines the business models that have emerged to engage the participation of ALL members of the mobile ecosystem: banks, mobile operators, vendors, and payment network operators."


January 24, 2007

Anti-Money Laundering Update From Mercator

Mercator Advisory Group has announced an update on anti-money laundering (AML) activity titled "Moving Toward The 'Total Mix'." According to Mercator, this report examines the growing FI-wide approach to AML as well as trends in compliance enforcement, suspicious activity reporting for 2006 and AML vendor consolidation. The report focuses in particular on the markets for and vendors of AML technologies addressing the small and
mid-market banking segments.

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