ForeSights
Outlooks




Events










ForeSights

Now Is the Time to Develop an AI Business Plan Beyond Fraud
  • The white collar robot is around the corner. Machine learning tirelessly executes simple tasks better than humans. Machine learning (ML) is a powerful analytic tool to deploy today, but it also represents the next phase of business automation and even software development.

  • DOWNLOAD NOW





Mobile Is Coming in Commercial Payments
  • Previous hurdles slowing the adoption of commercial mobile spend are beginning to fall. While consumer adoption of mobile payments has been tepid, it is showing signs of increase and we expect that the commercial wave is directly behind, leading to rapid growth by the decade’s end.

  • DOWNLOAD NOW





The Evolution of Debit Cards
  • More everyday transactions are completed by U.S. consumers with a debit card issued by a financial institution than with any other single payment type. Yet, growth of debit cards has begun to waiver as other payment types, not just new form factors, vie for consumer transactions. Credit cards, decoupled debit, real-time payments, and even Amazon are all trying to take a bite out of debit’s enviable market share.

  • DOWNLOAD NOW





In Search of a Profit: As Return on Credit Card Assets Continues to Slip, Issuers Must Position for 2018
  • Lower return on assets means a softening in revenue, profitability and shareholder return. The Federal Reserve Board’s annual Report to Congress on Credit Card Profitability of Depository Institutions, June 2017, indicates the lowest return on assets rate in seven years. In this ForeSight report, Mercator Advisory Group recommends nine critical credit policy actions that issuers should consider in their business strategies.

  • DOWNLOAD NOW





Open-Loop Prepaid Card Management: Strategies to Take Advantage of the Industry’s Inflection Point
  • As the industry matures, prepaid card issuers need to be certain their business is properly positioned. The open-loop prepaid industry in the U.S. has hit an inflection point in 2017. In this ForeSight report, Mercator Advisory Group presents strategies for prepaid providers to find new opportunities and make their current programs competitive.


  • DOWNLOAD NOW





Justifying Real-Time Payments in the United States
  • As the U.S. real-time payments solutions are launched, participants in the value chain are looking to define their roles. The prospect of brand new payments rails in the United States has the payments industry evaluating what might be the best use cases and where the business case may also align.

  • DOWNLOAD NOW





Behavioral Biometrics Will Restructure the Authentication Landscape in the Next 5–8 Years
  • Behavioral biometrics can persistently authenticate a user utilizing existing mobile sensors. This will finally eliminate passwords. Persistent multifactor identity based primarily on behavioral biometrics can be established using sensors that already exist in the vast majority of smartphones in market. This will irrevocably alter the authentication landscape and will enable entirely new players to become authentication market leaders.

  • DOWNLOAD NOW





Fintechs Now Can Apply for National Bank Charters: Update — Has the Train Stalled?
  • Further definition is available, but potential roadblocks await. The U.S. Office of the Comptroller of the Currency has doubled down on its intent to grant special purpose national bank charters to financial technology companies (fintechs). However, it is unknown if and how new OCC leadership will interpret the initiative. Meanwhile, state regulators have introduced a lawsuit to prevent implementation.

  • DOWNLOAD NOW





Mobile POS: More Than Just Payments for Merchants
  • Payments providers, both legacy and emerging, are looking to leverage the mobile point-of-sale, or mPOS, market for both new and existing merchant accounts. The original disrupter, Square, set the competition in motion by meeting the needs of small businesses that wanted a mobile payment acceptance option and services to accompany it. Now merchants of all sizes are realizing that mPOS is a necessary part of their omnichannel strategy in order to best serve the payment preferences of their customers.

  • DOWNLOAD NOW





Emerging Technology in Corporate Payments? Faster Strides but Legacy Providers Remain the Leaders
  • Despite fast and furious pace of activity across corporate payments space, no game-changing breakthroughs evident yet. Much activity is underway across the corporate payments ecosystem. But is there really some emerging game-changing player or technology, or do the developments just represent better and faster delivery? The jury remains out.

  • DOWNLOAD NOW





Mobile Order and Pay Ahead: A New Sales Channel for Restaurants and Merchants
  • The convergence of mobile order ahead with the on-demand economy proves appetizing to customers. Mobile apps that enable users to order and pay ahead represent a new sales channel driving increased revenue and transaction volume for merchants in several categories. Opportunities and challenges abound for payment providers, developers, and merchants alike.

  • DOWNLOAD NOW





A More Competitive Debit Network Battlefield
  • The global and EFT debit networks are pulling out all the stops to protect, defend, and expand their respective market share. Savvy merchants are deploying smart routing to reduce processing fees to maximum effect, and issuers are working to limit the negative impact of that action on their debit card income. Networks are deploying new products and creative pricing in the no man's land between issuers and acquirers. And the overturn of the Durbin Amendment would turn the tide of the battle in an instant.

  • DOWNLOAD NOW





Credit Card Management: Seven Strategies to Take Advantage of a Growth Wave
  • As revolving debt grows, credit card issuers need to be certain their business is properly positioned. Revolving debt in the U.S. will hit a historic high in 2017. In this ForeSight, Mercator Advisory Group presents a Continuum of Effective Credit Card Portfolio Management—seven strategies for issuers to keep pace with the revenue opportunities for long-term portfolio gains.

  • DOWNLOAD NOW





Outlooks

2018 Outlook: Commercial and Enterprise Payments
  • Digitization continues to spread across the cash cycle as the commercial payments industry better adapts to the need for faster and improved next-generation technological capabilities while simultaneously improving fraud risk management.

  • DOWNLOAD NOW





2018 Outlook: Credit
  • 2018 will be a year for credit card issuers to tighten up lending and build on existing customer relationships as account delinquency begins to rise. Credit card account volumes and revolving debt in the United States are back to peak levels. Concurrently, past due accounts are beginning to increase.

  • DOWNLOAD NOW





2018 Outlook: Customer Interaction
  • The past year has been one of reconciliation and innovation, as financial institutions recognized the shifting landscape created by financial technology (fintech) companies and regulators and took steps to accommodate and in some cases embrace the change. The coming year will be defined by the integration of fintech into the fabric of banking service delivery by all types of financial institutions.

  • DOWNLOAD NOW





2018 Outlook: U.S. Debit Cards and Alternative Products
  • In early 2017, debit card transaction volume took an abrupt and steep decline. In 2018, issuers face a new normal with lower and unpredictable growth, compressed margins, and ever-changing fraud challenges. Meanwhile, push payments will make debit cards important as the gateway to consumers’ and small businesses’ transaction accounts.

  • DOWNLOAD NOW





2018 Outlook: Emerging Technologies
  • In last year’s Outlook for the coming year, Mercator Advisory Group’ Emerging Technologies Advisory Service argued that payment solution providers should immediately invest in tokenization, machine learning, and application programming interfaces (APIs). This year we argue for more of the same.

  • DOWNLOAD NOW





2018 Outlook: Merchant Services
  • For 2018, key questions for merchants and their payment providers, including acquirers, card networks, and issuers, will be: Where and how will consumers be making their purchases, and do the patterns and behavior revealed suggest what merchants should do? Answers to these questions can be discerned from the look ahead to 2018 in the following pages.

  • DOWNLOAD NOW





2018 Outlook: Prepaid
  • The results of the 2016 U.S. elections may have led many in the prepaid payments industry to think that their regulatory concerns were at an end, but a more likely consequence is that companies will need to deal with shifting regulations for at least the next two years. Technological change and economic factors will also influence the outlook.

  • DOWNLOAD NOW

 

If you would like to schedule meetings with Mercator Advisory Group for these events, please contact: info@mercatoradvisorygroup.com or (781) 419-1700.




NRF 2018


January 14 - 16, 2018
New York City, NY




ATMIA US Conference 2018


February 6 - 8, 2018
Las Vegas, NV




ETA Transact 2018


April 17 - 19, 2018
Las Vegas, NV


If you would like to schedule meetings with Mercator Advisory Group for these events, please contact: info@mercatoradvisorygroup.com or (781) 419-1700.

 
Join our mailing list to stay current!
Mercator Advisory Group  
 
KEEP IN TOUCH:



8 Mill and Main, Suite 150
Maynard, Massachusetts 01754
781 419 1700 Main
781 419 1701 Fax