Debit

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  • Smart Phone Owners Would Prefer a Single Loyalty Management App Covering Multiple Merchants Smart phone owners who expressed interest in replacing their loyalty cards with an app were asked their opinion on what kind of application they’d be most interested in: a single-service app covering multiple merchants or a separate app from each of multiple merchants (Figure 4). By a slight edge, consumers who owned smart phones indicated they preferred the single-service model. For more information about this particular report, please visit Mercator Advisory Group's Debit Service here.
  • Consumers and Debit 2012: DDA Fees The following chart is from Mercator Advisory Group's Customer Monitor Survey. Our recent debit survey showed only 18% of respondents indicated they are aware of new fees on their checking accounts, though awareness is up from 15% from 2011; another 10% were not sure. Since many banks impose fees only if certain account balances are maintained, account holders who maintain sufficient balances may not have felt the impact of new fees. For more information about this particular report, visit Mercator here.
  • Loyalty Programs' Behavior Incentives Mirror Market Drivers For unregulated issuers, debit card rewards programs may now be competing more against credit card rewards programs and the issuers who market these cards as everyday spend accounts. We believe this is one of the factors driving debit card issuers across the regulatory spectrum to begin evolving their card-based loyalty programs to account-based programs. For more information about this particular report, visit Mercator Advisory Group here.
  • Financial Services Maturity Spectrum: India vs. Brazil The concept of “emerging payments” is relative to where a country/region lands on the financial services maturity spectrum, which we suggest indicates the level of development of its financial services/payments ecosystem. For more information about this particular report, visit Mercator Advisory Group's Debit service here.
  • Banking 2.0 Entry Points into the Traditional Market At one time or another, all of strategies identified above were considered innovations. Each in its own way has contributed to building the foundation for Banking 2.0, which Mercator Advisory Group defines through market entry points in this slide. For more information about this particular report, visit Mercator Advisory Group's Debit service here.
PJ Library
  • Fees, Fraud and Regulation: Forces of Change in the Payment Card Industry
    The Federal Reserve Bank of Kansas City examines what's currently changing in the payment card industry in this research briefing.
  • Opening up on UK payments
    This consultation invites views on options for reforming the regulation and governance of payments systems in the UK. It should be read by those with an interest in the future development and strategy of payments systems and the users of those systems.
  • SEPA Migration Report - March 2013
    The SEPA project is currently entering the critical stage of realising a vision that was born over ten years ago. The Eurosystem – in its capacity as a catalyst – is there to monitor the migration process towards the SCT and SDD schemes, to raise awareness of the project, and to identify any obstacles to the process, so as to ensure that the agreed deadlines are met by all stakeholders.
  • The Impact of Electronic Payments on Economic Growth
    Payment cards are not just convenient–they help stimulate growth for economies as well, according to a study performed by Moody’s Analytics on behalf of Visa.The rapid proliferation of cards in the past 50 years has changed how consumers pay for goods and services, and how merchants manage their businesses.
  • Paper, Plastic or Mobile? An FTC Workshop on Mobile Payments
    As the nation’s consumer protection agency, the Federal Trade Commission (“FTC”) is committed to staying abreast of technologies that affect consumers to ensure that consumer protections keep pace with these technologies.
  • Trends and Opportunities in Financial Institution Loyalty
    This First Data whitepaper addresses the state of loyalty programs in financial institutions in the aftermath of the Durbin Amendment.
  • Playing the Savings game: A Prize-Linked Savings Report
    As a social justice philanthropy, the Ford Foundation is committed to finding solutions to entrenched problems of poverty and economic mobility. In advancing this mission, we believe that financial services are essential tools that assist low-income families to manage their resources, make ends meet and build assets over time.
  • The Federal Reserve’s Reduced Role in Retail Payments: Implications for Efficiency and Risk
    The Federal Reserve’s Reduced Role in Retail Payments:Implications for Efficiency and Risk By Richard J. SullivanT he payments system in the United States has undergone fundamental changes in the last decade. The use of paper checks has declined rapidly, replaced by the automated clearinghouse (ACH) and card payments.
  • Mobile Phone Technology: “Smarter” Than We Thought
    This Boston Federal Reserve report examines in detail how near field communication (NFC) and cloud2 technologies address security for mobile payments at the retail point-of-sale (POS). It also provides a brief overview of security for two other mobile technology platforms, QR code,3 and direct carrier billing (DCB)4.
  • 2012 AFP Payments Fraud and Control Survey
    J.P. Morgan is extremely pleased to sponsor the 2012 AFP Payments Fraud and Control Survey for the fourth consecutive year. We are also pleased to see that this year's respondents report a slight decrease overall in the incidence of fraud attempts. Nevertheless, the prevalence and persistency of payments fraud remain stubbornly high. The war against fraud is by no means over.
  • 2012 Payments Fraud Survey Summary of Results
    In April and May 2012, the Federal Reserve Bank (FRB) of Minneapolis’ Payments Information and Outreach Office conducted research on payments-related fraud experienced by area organizations. Payments covered in the survey included transactions involving cash, check, debit and credit cards, automated clearinghouse (ACH), and wire transfers.
  • The EMV Roadmap: Designing Your Financial Institution’s Plan
    As the nation’s migration to EMV continues forward and is critically analyzed, the layout has become exceedingly complex, leaving many financial institutions (FIs) to wonder: should we be outlining our own EMV plans?
  • New Person-to-Person Payment Methods: Have Checks Met Their Match?
    Kansas City Federal Reserve Bank September 2012
  • National Survey of Unbanked and Underbanked
    FDICSeptember 2012

Assuming there is no delay to the Durbin Amendment, how likely do you think it is that credit card interchange fees will be regulated as well?
 

   
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