What is Bitcoin Really Up To?
by: Ben Jackson, Mercator Advisory Group
4/18/2013
The payments industry, government agencies, and the media have all been intrigued by bitcoin because it purports to be a digital currency that enables anonymous transactions. Leaving aside the issues of whether anonymity is truly achievable online and the potential...
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Are DDoS Attacks Changing?
by: Tristan Hugo-Webb, Mercator Advisory Group
4/15/2013
In the past month, JPMorgan Chase, BB&T, American Express, TD Bank, and Wells Fargo suffered DDoS (distributed denial of service) attacks on their online banking portals. The attacks affected service only intermittently for a few hours, but signs are pointing...
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The Phases of NFC Adoption for Both Merchants and Consumers
by: David Kaminsky, Mercator Advisory Group
3/5/2013
Regarding NFC, the question on everyone’s mind is “when?” We’ve all been hearing about NFC for many years, and the hype has begun to reach the mainstream. Recent ads for the Samsung Galaxy S3 mobile device have held up NFC...
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The First U.S. City to Convert to EMV
by: David Kaminsky
2/11/2013
At the recent Smart Card Alliance Payments Summit, a common theme regarding the successful introduction of EMV into the United States payments ecosystem quickly became apparent. Industry leaders, both from the U.S. and from countries that have already adopted smart...
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EMV and the Cost of Implementation (or the Cost of Not)
by: David Fish, Mercator Advisory Group
1/23/2013
There are certainly a lot of cost concerns on both the issuing side of the payment card space as well as the acceptance side. My colleagues and I here at Mercator Advisory Group have been working on discerning what the...
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NRF’s Big Show Field Report
by: David Fish
1/17/2013
Another year has passed and retailers flush with holiday shopping revenue converged on New York City this past week for the National Retail Federation’s "Big Show." Vendors serving every aspect of the retail space were there in force, demoing products...
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Banking on Analytics in 2013
by: Ed OBrien, Mercator Advisory Group
1/17/2013
As banks and credit unions search for ways to be more competitive in 2013, many are examining analytics to improve the customer experience while increasing their efficiencies and overall operating effectiveness. Today’s financial institutions are among the most data intensive...
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Are Online Payment Alternatives Really Safer?
by: David Montague, Council for Identity Protection
1/7/2013
Today, more than ever before, it is commonplace to shop and buy goods and services through the internet. Likewise, consumers and merchants are at risk for potential fraud and identity theft when they process a payment online or over the...
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Greater Privacy Regulation For Children Online Will Impact Data Collection
by: Tristan Hugo-Webb, Mercator Advisory Group
10/10/2012
In the coming weeks, federal regulators from the Federal Trade Commission are expected to outline new rules which will make collecting information from children’s online activities much more difficult without parental consent. Mary Engle, the associate director of the advertising...
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