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Virtual currency schemes (VCS) have experienced remarkable developments over the past two years. A review by the European Central Bank 

Report first provides a brief federal legislative history of identity theft laws. Congressional Research Service
The Mobile Payments & Fraud Survey: 2014 Report is the second annual installment of this study highlighting the growth, opportunity, obstacles, preferences and priorities identified by Merchants, Service Providers, Acquirers, Card Associations and Issuers operating in the mobile channel.  Kount
The 2014 LexisNexis® True Cost of Fraud mCommerce Study provides insight into the mCommerce fraud challenges faced by merchants, financial institutions and consumers.
Banks are increasingly looking to improve the customer experience online and through mobile channels as the number one priority. It might be time to expand your technology strategy with multilayered fraud prevention that enhances rather than degrades the customer experience. - Iovation

Retail banking in the US is built largely around product silos - a model that is creating serious problems in the current economic environment. - By PWC 

The particular customer needs of speed, transparency and value for money when making international payments requires a particular solution. Correspondent banking, being a broad array of services through which one bank sub-contracts or sources from another, functions well. However the payments component of it, though strong for high value transactions, is less suitable for low value international payments.  - By Earthport

By the Merchant Advisory Council

Merchants are more on board with engaging and prompting loyalty with their customers via smartphones, increasing the likelihood of mobile payment integration. Customers that are more likely to join rewards programs with their favorite brands are also more likely to take advantage of mobile payments. By Mobile Commerce Daily
Companies are turning to wearable devices to provide payments tools that eliminate the need for cards, provide a better customer experience, or extend the capacities of their current products. This Mercator Advisory Group research sponsored by Discover Financial Services examines examples of how wearable payments are benefiting providers and users alike.
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