paymentsjournal

Bracing for Brexit: Credit Cards Tighten, P2P Sputters

US is probably getting daily offers from Bank of America, Citi, and Chase on interest-free balance transfer offers, our friends in the UK experience.

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Speedpay® Pulse Trend Report Delves Into the Benefits of Mobile Wallet Payments

For many consumers, smartphones are an integral aspect of their lives. According to Pew Research Center, 77 percent of Americans now own smartphones, up from just 35 percent from the organization’s 2011 smartphone ownership survey.

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Does the Answer to POS Consumer Financing Lie in Bank-Fintech Collaboration?

It’s time for banks to pick a side when it comes to fintech. Banks can either continue to see the technology-driven disruptors as a threat, or take the high (and perhaps smarter) ground, and create opportunities out of fintech collaboration. With point-of-sale (POS) consumer financing, this decision needs to come quick.

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You Can’t Buy Credit Card Loyalty, but You Can Lease It

With Valentine’s Day approaching, here is an interesting read on credit card loyalty from Forbes. Google best credit card rewards and you’ll get 387 million potential answers, including links to hundreds of websites dedicated to hacking reward programs to help customers earn the greatest amount with the least possible effort.

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Scope of the Growing Technology in the World Financial Ecosystem

Financial economic system in world has been growing rapidly since the past two decades. It has had a catalytic effect since the Government’s introduction and encouragement towards digitization of monetary assets and services.

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Digital Transformation: A Slow Chain Reaction With Corporate Payments

We recently released our Outlooks for 2019 across the various Mercator advisory services, and in the commercial enterprise payments version, the overriding point was digitalization across the corporate financial process delivery system.

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How Will FinTech Offer Disruption to Financial Services in 2019?

Financial technology (FinTech) solutions are poised for an exceptional year in 2019, particularly with new solutions designed to assist the unbanked and underbanked populations. According to media sources, there are believed to be an estimated 1.7 billion adults across the globe who do not currently enjoy access to traditional financial services.

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Customer Experience Is Just as Important for B2B

A logical start to this referenced article about UX for B2B use cases, in particular the growing preference for digital channels by corporate buyers.

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Under the Mobile Umbrella

Mobile payments aren’t taking off in the US the way they are in Asia. Although smartphone ownership has been maturing, mobile payment adoption remains flat. There was some excitement around testing the technology back in 2016, but now we are seeing that retailer mobile apps are the only category still growing.

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Are Contactless Cards a Stepping Stone to Mobile Payments or an Avoidable Expense?

Beginning three years ago the payments industry in the U.S. was full of hope around the prospects of replacing traditional payment form factors with mobile devices for a more secure transaction and a consumer experience that the industry was really convinced consumers would appreciate.

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Revolving Sheckels: Credit Card Reforms in Israel

Israeli bank regulatory changes in 2017 and the time is now due for major players to execute.

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Know Thy Fraudster: The Secret Life of an ATO Criminal´╗┐

compromised (PII) increased 72 between the first half of 2017 and the first half of 2018 alone. Data breaches now occur at such an alarming rate that not a week goes by without news breaking about the exposure of even more sensitive consumer details. Nearly 13.

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