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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:
European Prepaid 2011 Survey
At the Prepaid 2011 Conference in London this summer Edgar, Dunn & Company (EDC) conducted a survey of approximately 100 international prepaid industry players. This paper presents the survey results and contrasts them with EDC market knowledge and hypotheses. To download this content, please register.
Mobile Payments - Cooperate, Collaborate, or Abdicate
Despite recent progress, would-be mobile payments providers in Australia are still no closer to establishing a widely-accepted business model that will underpin what is likely to be the fastest growing payment method and channel over the coming decade. Written in conjunction with a panel discussion amongst industry professionals from telecom, banking, and the payment schemes, this paper explores issues and challenges in cross-industry cooperation that will be necessary to for a broad-based mobile payments offering. To download this content, please register.
Étude sur l'utilisation du chèque en France / Report on cheque usage in France
Le cabinet de conseil en stratégie Edgar, Dunn & Company (EDC), en partenariat avec l'institut de sondage CSA, a réalisé une étude sur l'utilisation du chèque en France pour le Comité consultatif du secteur financier (CCSF). Cette étude, lancée pendant la période de novembre 2010 à février 2011, fait suite au rapport Pauget-Constans. EDC a analysé l'utilisation du chèque en France par les particuliers et les entreprises, à la fois en paiement et en encaissement, afin de révéler leurs comportements et les tendances clés. Ce rapport illustre aussi la place du chèque à travers une comparaison du marché du chèque en France et en Europe ainsi qu’une analyse des dispositions juridiques et du circuit d’encaissement. Les entretiens menés avec des acteurs clés complètent cette analyse présentant une vue d'ensemble du chèque en France.
The Comité consultatif du secteur financier (CCSF) asked Edgar, Dunn & Company (EDC) to conduct an independent study on the usage of cheque in France. This study includes findings from phone interviews among 1,000 consumers and 500 companies completed by the research agency CSA, and EDC has also interviewed more than 50 organisations (e.g., banks, large firms, professional associations and consumer associations). This study that took place from November 2010 to February 2011 provides for the first time a complete overview of cheque usage in France. To download this content, please register.
2011 Advanced Payments Report
Internet, mobile and contactless payments are expected to soar according to a new Advanced Payments Report from Edgar, Dunn & Company (EDC) in partnership with Payments Card & Mobile magazine (PCM). The Advanced Payments Report 2011, sponsored by MasterCard Worldwide, is based on a review of the global payments landscape, surveys of payment industry stakeholder opinion, and discussions with more than 650 industry executives and thought leaders. To download this content, please register.
Fraud Risk Management For Debit Cards
This paper describes why fraud prevention efforts are important to ensuring the integrity of and confidence in the payments system by appropriately protecting consumers, merchants, and financial institutions from financial risks. It discusses why issuers must be compensated for the costs they incur in managing debit card fraud, which is an important aspect of maintaining the integrity of the debit card product and ensuring the safety of a transaction and the underlying transaction account. The American Bankers Association has sponsored this paper, which was authored by Edgar, Dunn & Company. To download this content, please register.
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.
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