Recent articles published by, or referencing, Edgar, Dunn & Company in leading business and trade publications:

By: Mark Beresford

Over the last few months Edgar, Dunn & Company (EDC) has been talking with retailers to understand their perspective and the business implications of technological advancements in 3D printing. The findings are very interesting as the expectation is that 3D printing will lead to changes in consumer power, personalisation, the protection of intellectual property, supply chains, payment processing and the traditional infrastructures associated with manufacturing.

The research has been summarised for the TSYS N>GENUITY Journal.

Click here to read to full article.

Jack Ma and the Discovery of Billions

By: Samee Zafar

August 2014

Jack Ma, onetime English teacher, who also did a stint as a civil servant, founded Alibaba in 1999. Today the Alibaba Group runs a panoply of highly successful and innovative businesses with 24,000 employees and combined revenue of $7.5 billion. It dominates online commerce in China. Ma himself is worth billions and is getting ready to become even richer as the group prepares for the biggest technology IPO in history at an estimated of value upwards of $130 billion.

Ma’s first few Internet ventures didn’t go well, including an online business directory–a sort of Yellow Pages business–he started in China soon after returning from the U.S. in 1995. But, that didn’t shake his almost messianic faith in the power of the Internet.

He saw his opportunity.

Read more at Jack Ma and the Discovery of Billions

From Atoms to Bits: The Digital Age of Money

By: Samee Zafar

February 2014

The urge to digitize is as old as the Internet. In his 1995 book “Being Digital,” Nicholas Negroponte, the founder of MIT’s Media Lab, predicted the Internet would transform physical forms of information, such as books and CDs (made up of “atoms” as he put it), to digital forms of information (made up of “bits”).

Today, we see the atoms-to-bits transformation everywhere. We use iPads, Kindles or other tablets to read books and newspapers at a time and place that suits us. CDs and DVDs rapidly are becoming relics and most book and music shops barely make ends meet.

Could this also be the fate of banking and payments?

Read more at From Atoms to Bits: The Digital Age of Money

Why Bitcoin Is Going Gangbusters and Why It Matters

By: Samee Zafar

November 2013

Many have exhausted the available management vocabulary to describe Bitcoin as a “killer app,” a “major disruptive technology” and a “powerhouse” that “lowers barriers to entry.” Already analysts trained in the field of quantitative finance are propounding theories on how to measure the “intrinsic value” of Bitcoin. They point to its soaring value and a little bit of incomprehensible magic that needs to be explained with incomprehensible equations. The price of a bitcoin went erratically upward earlier this year, then down in apparent free fall, before steadying itself and then zigzagging, like a high performance aerobatic plane experiencing engine trouble.* Surely, there must be the natural economic forces of supply and demand acting on its unpredictable trajectory. Where is the demand coming from?

Read more at Why Bitcoin Is Going Gangbusters and Why It Matters

Methods to Reduce Late Bill Payments

An article from Western Union focusing on methods for merchants to reduce late bill payments from their customers.

The article references conversations with Yogesh Oka from Edgar, Dunn & Company's San Francisco office.


Read more: Methods to Reduce Late Bill Payments (Western Union)

The Benefit of Recurring Payments

An article from Western Union focusing on the impact and benefits of recurring billing for merchants.

The article references conversations with Yogesh Oka from Edgar, Dunn & Company's San Francisco office.

Read more: The Benefits of Recurring Payments (Western Union)

Journal of Internet Business

An article from the Journal of Internet Business focusing on the use of cheques in small to medium businesses in Australia.

The paper extensively references research conducted by Edgar, Dunn & Company in the Australian market.

Click to Download PDF >> English

EFMA Magazine

Erik van Winkel, Manager at Edgar Dunn & Company writes about the business perspectives for financial services providers resulting from the Payment Services Directive

"Whereas the Sepa initiative, driven by the banking sector, aims to remove any technical and commercial barriers to integrate the fragmented European payments market, the PSD should remove any legal barriers and provide a harmonised legal framework for providing payment services in the internal market."

"Bien que l’initiative SEPA, promue par le secteur bancaire, vise à supprimer toute barrière technique et commerciale à l’entrée sur le marché européen fragmenté des paiements, la PSD devrait supprimer les barrières légales et proposer un cadre juridique harmonisé pour la prestation de services de paiement au sein du marché interne."

Select Language to Download >>   English   French

American Banker

EDC's Samee Zafar explains why mobile payments may now be postioned to gain greater acceptance and replace cash payments in a way that wasn't the case during the glory days of the "dot-com" boom. Mr. Zafar outlines the environmental changes in recent years and three critical factors that will determine who is left standing in this shifting landscape.

Click to Download PDF >> English