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White Papers |
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Analyses of selected industry issues and trends along with our points of view on how business leaders should address them:
Projet d’instauration d’une 'surfacturation' en France - Etude d’impact / Potential impact of surcharging in France
La Fédération Bancaire Française (FBF) a chargé Edgar, Dunn & Company (EDC) de mener une étude d'impact indépendante sur l'instauration éventuelle de la "surfacturation" en France. La "surfacturation", également appelée "surcharging", fait référence à l'application par le commerçant de frais supplémentaires liés à l'utilisation de certains instruments de paiement. Cette étude s'est déroulée de janvier à mars 2010. EDC a interrogé des parties prenantes en France et dans d'autres pays (Australie, Danemark, Royaume-Uni et Etats-Unis), a recueilli des informations au moyen de recherches documentaires menées depuis ses bureaux, les a analysées et a résumé ses conclusions dans le présent rapport. The Fédération Bancaire Française (FBF) asked Edgar, Dunn & Company (EDC) to conduct an independent impact study about the potential introduction of surcharging in France. This study took place from January to March 2010. EDC interviewed stakeholders in France and other countries (Australia, Denmark, UK, and USA), collected information via desk research, undertook analysis of available data, and summarised its findings in this report. To download this content, please register.
A Ticket To Ride: The New Way To Pay And Travel (The Convergence of Retail and Ticketing Payments through Contactless Technology)
Transit operators, banks and payment schemes are now developing initiatives that will allow commuters to pay for travel fares directly at the ticketing gates as well as use the same card to make in-store purchases. There are three potential routes in this convergence: closed loop, dual card and open loop; each has a different business model with arguments for and against. Open Loop is probably the one model that will prevail in the long term, but there are challenges to overcome from each of the stakeholder’s viewpoints. To download this content, please register.
Citi Tap and Pay mobile NFC proximity payments pilot - Bengaluru, Results & Findings
"Citi Tap and Pay mobile NFC proximity payments pilot – Bengaluru, Results & Findings” captures views, perspectives and conclusions on the Citi Tap and Pay pilot service launched in the city of Bengaluru, India in July 2009. The “Tap and Pay” mobile proximity payments pilot project, using Near Field Communications (NFC) technology, represented a watershed event in the recent intensive history of Mobile Financial Services. It was the largest pilot programme of its kind to date. It identified positive consumer demand, reliability of available technology, and growth in purchase volumes. It demonstrated that with confirmed commitment and investment from industry stakeholders, mobile NFC proximity payments have the potential to generate growth in payments, create value for stakeholders, and help convert cash transactions to electronic payments. Citibank shared with EDC key statistics collected for the pilot project. EDC spoke with project stakeholders, undertook analysis of transaction data, and reviewed customer and merchant feedback collected by Nielsen India, a market research firm, on behalf of Citibank. To download this content, please register.
Realizing the Full Potential of Mobile Commerce
The use of the mobile phone is the next significant step in the continuous evolution in the payments industry – representing another growth opportunity for existing players and new entrants. Edgar, Dunn & Company, in cooperation with Sybase 365, has developed this paper to outline the mobile commerce landscape and discuss the factors that will be necessary to enable such an environment and create an opportunity for players to seize its full potential. To download this content, please register.
Innovation in Payments Discussion Paper
The Australian Payments Clearing Association (APCA), the Australian payments industry's principal self-regulatory body, commissioned Edgar, Dunn & Company (EDC) to prepare a Discussion Paper on innovation in retail payment systems in advance of their Card Forum meeting held in March 2009. This Paper attempts to provide a fact based review of innovation in retail payment systems that have lead to enhanced consumer payment services in Australia and relevant overseas countries during the last 5-10 years. In doing so, it also explores the impact of pertinent variables that either drive or impede innovation. The objective of this Paper is to provide a basis for discussion on the question of how to assess the optimal level of innovation for the Australian market. For full details on APCA and the Cards Payments forum, see http://www.apca.com.au/ and http://www.cardpaymentsforum.com.au/ To download this content, please register.
Single Euro Payments Area (SEPA): Realities, Challenges, and Opportunities
The main objective of the Single Euro Payments Area (SEPA) initiative together with the proposed legal framework from the European Commission is to develop an integrated, efficient, and competitive payments environment in Europe. Edgar, Dunn & Company, in partnership with Stratus Technologies, has developed this paper to discuss the key issues and challenges businesses face to comply with SEPA requirements as well as how to capitialize on the opportunities it offers. To download this content, please register.
Future Directions in Building Customer Loyalty: Creating a Rewarding Customer Experience
Spurred primarily by airlines and credit card companies, more and more businesses are turning to points-based rewards and other loyalty programs as key initiatives to support their growth objectives. Edgar, Dunn & Company, in partnership with Stratus Technologies, has developed this paper to explore future directions in building customer loyalty, including opportunities for growth and differentiation in the marketplace. To download this content, please register.
Payments Risk and Fraud Management: The New World Order
Today, much of fraud is being perpetrated by professional, well-funded, crime rings working across all categories of fraud, across payments products and across geographies. Edgar, Dunn & Company, in partnership with Stratus Technologies, has developed this paper to discuss the business challenges that are leading companies to consider more proactive measures to combat fraud and to identify critical steps that companies can take to effectively manage payments risk and fraud. To download this content, please register.
DCITA Study: Exploration of Future Electronic Payments Markets in Australia
Edgar, Dunn & Company (EDC) and the Centre for International Economics (CIE) are pleased to report on this study to explore the future of electronic payments in Australia. This important research was commissioned by the Department of Communications, Information Technology and the Arts (DCITA) and a group of industry sponsors. To download this content, please register.
Technology-Driven Growth Opportunities in the Payments Industry: An International Survey of Retail Banks Over the past two decades, retail banks have contributed to a radical change in the payments industry. The adoption of emerging technologies has received significant press and market attention, including EMV, 3-D Secure, micropayments, P2P payments, mobile payments, contactless cards, and biometrics. To better understand current bank perspectives on, and planned investments in, these new payment technologies, EDC and EFMA (The European Financial Management & Marketing Association) recently completed this survey among payment executives from more than 40 banks in 14 countries. To download this content, please register.
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