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The OTS Order Against MetaBank Touches NetSpend and the Prepaid Industry

  • Impact Note
  • Date: November 11, 2010
  • Author(s): Ben Jackson
  • Research Topic(s): Prepaid
On October 6, 2010, the Office of Thrift Supervision (OTS) issued a Supervisory Directive to MetaBank that requires MetaBank to get written approval from the OTS before entering into new business. The OTS has not yet made any information on this...

Co-Branded Consumer Credit Cards 2010: Mature Products Ripe For Change

  • Javelin Report
  • Date: November 9, 2010
  • Author(s): Ken Paterson
  • Research Topic(s): Credit
Boston, MA - This report provides an analysis of a very mature product: the U.S. co-branded card. Defined as a network-branded (American Express, Discover, MasterCard, or Visa) credit card issued by or for a commercial firm (other than a bank) u...

De-Leveraging Becomes De-Carding

  • Javelin Report
  • Date: November 8, 2010
  • Author(s): Ken Paterson
  • Research Topic(s): Credit
We might be seeing early indications of improved spending on credit cards. But the massive drop in the number of credit card accounts on file shows that some cardholders have given up their cards -- voluntarily or not. Mercator's CustomerMonitor...

US Consumer Online Banking: Market Landscape & Leading Vendors' Report

  • Javelin Report
  • Date: November 1, 2010
  • Author(s): Bob Landry
Research analyzes the US consumer online banking market and identifies the vendors for the next generation of online banking solutions

Retailer Apps Show Promise As Mobile Consumers

Boston, MA - Mobile devices continue to re-shape the U.S. communications marketplace, and with it the delivery of consumer financial services and retail marketing strategies. The pace of change is rapid and demands that financial service provide...

Retailer Apps Show Promise As Mobile Consumers - CrossTabs

Retailer Apps Show Promise As Mobile Consumers Stay Cautious On Payments

MasterCard/Visa Antitrust Settlement: At Least It's Not Surcharging

  • Impact Note
  • Date: October 6, 2010
  • Author(s): Ken Paterson
  • Research Topic(s): Credit
First, The Facts The Department of Justice announced the outcome of its antitrust investigations of MasterCard, Visa and American Express on October 5, both filing a suit and announcing settlement with MasterCard and Visa. Litigation will contin...

Visa, DeviceFidelity and Having NFC Our Way

  • Javelin Report
  • Date: October 6, 2010
  • Author(s): George Peabody
  • Research Topic(s): Emerging
Visa is getting some traction with its DeviceFidelity-based NFC pilots, at least in terms of the banks willing to pilot the project with them. Wells Fargo has joined US Bank and Bank of America in the US, and Turkey's Akbank, in the trial progra...

License to Spend: Going Beyond Breakage and Getting the Maximum Benefits from Gift Cards

  • Javelin Report
  • Date: October 3, 2010
  • Author(s): Ben Jackson
  • Research Topic(s): Prepaid
Retailer thinking about the gift card business model is broken. Nearly every large retailer in the United States sells gift cards with the thought that, one way or another, the card will be spent, and they will eventually collect the money assoc...

The World Terminal - Preparing the POS for the Multi-Form Factor Future

  • Javelin Report
  • Date: October 3, 2010
  • Author(s): David Fish
  • Research Topic(s): Credit
With the advent of EMV in a growing number of geographies and a multiplicity of payment form factors - chip, contactless, NFC, and the trusty old magstripe - proliferating globally, there appears to be a growing need for payment terminals capabl...
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