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Payments & Transactions
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Overview
Payments & Transactions follows the growth of the payments industry and its impact on online merchants, banks, brokers, lenders, payment providers and technology vendors. This coverage area evaluates how firms can expand their markets through innovative payment strategies while maintaining the privacy, security and integrity of payment and customer information. It analyzes patterns of consumer adoption of different forms of payment, advises companies on effective payments marketing tactics and highlights effective strategies for coping with consumers' rising concerns about online fraud.
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Research Topics
- Alternative Payments
- Authentication & Online Identity Management
- Bill Payment & Presentment
- Contactless Payments
- Debit & Credit Cards
- Mobile Payments
- Privacy
- Security & Online Fraud
- Stored Value & Gift Cards
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Online Payments
Measuring Acceptance and Innovations Among Top 50 US Online Retailers
Concept Report
Edward Kountz -
September 15, 2008
A desire to maximize consumers' value is driving US online retailers to expand payment options and checkout flexibility offered to consumers who shop on their Web sites.
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US Electronic Bill Viewing and Payment Forecast, 2008 to 2013
Concept Report
Edward Kountz -
July 22, 2008
Many online US households are now online bill viewing and payment (VAP) households. A maturing market therefore requires banks to move beyond enrollment and invest in new tactics to drive use frequency and depth of relationship.
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Cellular South's Replication of WirelessWallet's Pilot Success in Market Is Contingent on Handset Availability
Case Study
Edward Kountz -
June 3, 2008
Regional carrier Cellular South is based in Jackson, Mississippi, and is the largest privately held wireless carrier in the US. In mid-2007, it enlisted Bank of America to participate in a test of the Cellular South WirelessWallet, a mobile wallet embedded in prototype NFC-enabled Kyocera mobile phones. ViVOtech also participated, providing POS terminals for participating merchants. Early in 2007, Cellular South also became the first carrier to introduce access to the Obopay P-to-P mobile payment service.
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Reverse Auction of mPoria's GoLo Service Creates Immediate Shopping Impulse
Case Study
Edward Kountz -
June 3, 2008
Mobile vendor mPoria operates a mobile Internet mall, with more than 100 merchants in a variety of key categories (e.g., games and consumer electronics, flowers and gifts, women's clothing and apparel, music and DVDs).
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US Mobile Payments
Key Interim Steps for Driving Interest and Uptake
Vision Report
Edward Kountz -
June 3, 2008
Recent US activity in mobile payment deployment has not spurred a groundswell of interest from consumers. Mobile payments will instead evolve as an element of the developing mobile ecosystem, requiring mastery of interim tactics (e.g., mobile marketing, mobile banking, purchasing experience) to drive awareness, interest, and business model clarity before transactional use reaches critical mass.
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Alternative Payments Update
Tracking and Driving Consumer Adoption
Concept Report
Edward Kountz -
May 7, 2008
Merchants considering accepting alternative online payment options must be aware that building broad-based adoption of such services takes time. However, factors driving consumers' uptake of such services (and results of merchants already implementing) suggest value in accepting them.
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NFC-Based Mobile Payments in the US
Understanding Challenges of an Early-Stage Market
Concept Report
Edward Kountz -
March 24, 2008
US banks and wireless carriers have a growing interest in mobile proximity payments leveraging Near Field Communication (NFC) technology. However, ongoing trials highlight significant hurdles throttling broad-based deployment in the midterm.
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Merchant Data Security
Increasing Compliance and Fostering Trust Among Consumers
Concept Report
Edward Kountz -
January 7, 2008
Concerns about merchant data security standards prompted development of the Payment Card Industry Data Security Standard (PCI DSS). However, a significant gap in compliance between small and midsize businesses (SMBs) and relatively larger firms creates an unresolved challenge that must be addressed to effect end-to-end data security.
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Information Security
Assessing the Burden of Consumers' Data Security Concerns
Concept Report
Edward Kountz -
October 22, 2007
The impact of online financial fraud has received significant attention, but a review of the data indicates fraud is a multichannel concern. With consumers' education largely in place, relatively stronger attention must be paid to both expanding merchants' data security and aligning institutional resources in fraud prevention with resolution efforts.
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Payment Preferences Online
Analyzing Payment Ownership, Preference, and Spending Patterns Beyond Credit Cards
Concept Report
Edward Kountz -
September 24, 2007
Understanding the typical characteristics of payment product users is essential to maximizing use as well as tailoring features and marketing.
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Contactless Payments
Global Strategy Seeks to Secure High-Potential Markets
Concept Report
Edward Kountz -
July 22, 2007
Banks are issuing contactless payment cards in a number of markets worldwide, in a bid to jumpstart awareness and adoption. This global deployment strategy faces market-specific challenges, but if successful, it will position contactless as a must-consider option for issuers worldwide.
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Alternative Payments at the Point of Sale
Assessing the Progress of Fingerprint Biometrics
Concept Report
Edward Kountz -
July 3, 2007
Seeking greater customer loyalty and lower-cost payment options, merchants are deploying innovative point-of-service (POS) payment options, including in-store fingerprint biometric payment readers and loyalty kiosks.
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