Welcome to PaymentsJournal's Strategy Sessions. These in-depth Sessions are topic centric and built from a wealth of information
posted on PaymentsJournal, including news, whitepapers, data points, resource links and insights by Mercator Advisory Group analysts
and industry professionals.
This page serves as a gateway to each Strategy Session and provides a description of each topic and displays the quantity of related
PaymentsJournal material found on each topic.
Sessions are in order by most recent updates ›
2012 marked the year the drought in net new credit card accounts began to thaw, with roughly 3% net new accounts among Visa and MasterCard issuers. Mercator Advisory Group’s expectation for account formation in 2013 is even stronger, at around 5% net new accounts on file.
Mobile devices continue to re-shape the U.S. communications marketplace, and with it the delivery of consumer financial services and retail marketing strategies. The pace of change is rapid, demanding that both financial service providers and retailers...
In 2012, the debit industry in the U.S. began to recover from the turmoil resulting from the Durbin Amendment, but that doesn't mean smooth sailing by any means. 2013 may be the year of living dangerously as issuers begin to move into new product territories like mobile, EMV, and P2P payments.
The continuing shift to e-commerce by consumers around the world has placed a premium for retailers on developing a robust e-commerce presence. An important aspect of doing this is to ensure that consumers are able to use whichever payment methods they prefer when transacting online. Payment...
In this research, Omnichannel Banking and Branch Reconfiguration: Strategies for “Lean Branching,” Mercator Advisory Group reviews how branches remain relevant and an important element in lean banking initiatives being considered in today’s banks and credit unions.
Fraudsters will do anything to steal credit or debit card account information—including low tech dumpster diving to sophisticated hacking. The cost to your bottom line is significant and never-ending unless you have an effective strategy in place to stop payment fraud.
Despite the frequent ill-boding predictions on the future of consumer cash use consumers around the world still turn to one of the oldest forms of consumer payment on a regular basis.
We're already seeing change in the space this year with TSYS acquisition of NetSpend. Expect the regulatory environment to pick. Smartphones and social media will have an affect on consumer behavior.
The Credit Card Accountability Responsibility and Disclosure Act of 2009 was the first of two major pieces of legislation that started the payments industry down the road of increased regulation. The Dodd–Frank Wall Street Reform and Consumer Protection Act, which included the Durbin Amendment,...