Research

Small Credit Card Issuers 2012: Waiting for a Renaissance

In today's challenging economic environment, financial institutions must assess how to design their branch deployment models around the specific needs of their markets and keeping costs manageable while simultaneously meeting customer needs.

This year promises to be one of expansion for the merchant acquiring industry. Three of the most important trends in payments and commerce impacting acquirers in 2012 are mobility, multi-channel merchant services, and risk management. This Viewp...

New Mercator Advisory Group report examines various cross-channel business models combining a branch presence with self-service or hybrid self-service/personal interaction models

Mobile Incentives: The Next Step in Device Based Transactions

The impact of flattened debit interchange rates for PIN and signature transactions among the largest issuers, the elimination of issuer routing control and network exclusivity, along with the emerging network mandates pertaining to EMV in the Un...

Internet retailer Amazon.com may have given brick-and-mortar competitors a lesson that could help them compete on convenience by using prepaid and mobile technology, and their retail presence.

The prepaid industry will continue to grow this year, but regulatory changes, new competitors, and the continuing fluctuations in the economy mean the business will become more complicated than in years past.

For the better part of 2011, credit card borrowing in the United States showed little direction. At least it was not down. The optimists among us might see the start of an upward trend in card usage and borrowing, but have consumers directed the...

China Payment Card Market Update