Commercial And Enterprise

Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service focuses on the needs of businesses paying and receiving funds, including cash management and treasury functions essential to support liquidity, risk assessment, and operational control. The emphasis of this service is on the payment methods utilized primarily for fulfilling B2B and B2G obligations, as well as on the challenges to firms of managing multiple revenue channels. The practice also follows the banks, processors, solution vendors, and other intermediaries contributing to efficiency and competitive advantage for firms. We examine the impact of technology with respect to straight-through processing, in addition to the evolution of alternative user interfaces for managing commercial payments.

The Commercial and Enterprise Payments Advisory Service concentrates on identifying areas of opportunity, monitoring new developments that will impact growth, and highlighting the legal, regulatory and technological imperatives that affect all stakeholders. The service also examines –as appropriate– those elements of revenue collection solutions (including POS, emerging online and mobile functions) that impact, or are impacted by, corporate strategies and technology-enabled borrowing solutions.

Principal Focus Areas:

• Commercial Card Reporting & Analytics

• Opportunities for Growth in Commercial Cards and B2B Payments

  • E-payables

  • Strategic positioning

• Online and Mobile Banking for Commercial Accounts

  • Corporate mobile banking

  • Electronic bank account management (eBAM)

• Corporate & Wholesale Merchant Services

  • Wholesale-specific acquirer products and services

  • Issuer products and services

• Treasury Management and Cash Management

• Accounts Receivable and Accounts Payable Automation, EIPP

• Commercial Lending: Markets, Technologies & Strategies

Most Recent Documents (8.01)

Commercial Bank Account Management: The Promise of eBAM May 2013 Patricia McGinnis

Best Practices for Converting U.S. Travel & Entertainment Card Portfolios to EMV May 2013 Dave Kaminsky

Enhancing T&E Card Programs: Analysis of Commercial Cards User Survey 2012 May 2013 Tristan Hugo-Webb

2013 U.S. Commercial Card Market Update April 2013 Michael Misasi

Mobile Banking for U.S. Corporate Customers: Catching On Slowly December 2012 Patricia McGinnis

Commercial Cards and B2B Payments (8.1)

Commercial Bank Account Management: The Promise of eBAM May 2013 Patricia McGinnis

Best Practices for Converting U.S. Travel & Entertainment Card Portfolios to EMV May 2013 Dave Kaminsky

Enhancing T&E Card Programs: Analysis of Commercial Cards User Survey 2012 May 2013 Tristan Hugo-Webb

2013 U.S. Commercial Card Market Update April 2013 Michael Misasi

U.S. Small Business Credit Cards 2013: Quietly Waiting for Direction January 2013 Ken Paterson

B2B Networks: Still Trying to Solve the Paper Problem in Commercial Payments October 2012 Michael Misasi

Procure-to-Pay Automation: Corporate Payment Solutions Explained August 2012 Michael Misasi

"Procure to Pay": Moving from Paper to Electronic Formats Is a Confusing Process May 2012 Patricia McGinnis

Growing P-Card Programs: Engaging with Suppliers April 2012 Patricia McGinnis

The Impact of Natural Gas Fuels on Fleet Card Provider Business Model April 2012 Michael Misasi

Tools for Managing Commercial Card Programs March 2012 Patricia McGinnis

U.S. Fleet Cards: Networks Lead with Real-Time Innovation March 2012 Michael Misasi

Commercial Cards: Evaluating Multinational Card Programs March 2012 Patricia McGinnis

Commercial Card Technology and Working Capital Optimization March 2012 Patricia McGinnis

U.S. Commercial Cards: Complex Solutions for a Growing Market December 2011 Michael Misasi

U.S. Commercial Card Market: Efficiencies And Innovation Drive Growing Adoption December 2009 Ken Paterson

Risk Management in the Corporate Credit Card Market: A Problem Waiting To Be Solved? November 2008 Ken Paterson

SWIFT / CrossBorder Patricia McGinnis

B2B Payments Exchanges Patricia McGinnis

Corporate & Wholesale Merchant Services (8.2)

Growing P-Card Programs: Engaging with Suppliers April 2012 Patricia McGinnis

Commercial Card Technology and Working Capital Optimization March 2012 Patricia McGinnis

Merchant Cash Advance: The Pros and Cons of Outsourcing April 2010 David Fish

SWIFT / CrossBorder Patricia McGinnis

Multichannel Acquiring - Gateways Patricia McGinnis

Online and Mobile Banking for Commercial Accounts (8.3)

Enhancing T&E Card Programs: Analysis of Commercial Cards User Survey 2012 May 2013 Tristan Hugo-Webb

Mobile Banking for U.S. Corporate Customers: Catching On Slowly December 2012 Patricia McGinnis

Commercial and Enterprise Advisory Service 2013 Outlook: Eliminating Paper December 2012 Patricia McGinnis

EU Data Protection and Privacy: Conflicts Simmer and Risks Grow September 2011 Patricia McGinnis

Corporate Mobile Banking Patricia McGinnis

Treasury and Cash Management (8.4)

Commercial Bank Account Management: The Promise of eBAM May 2013 Patricia McGinnis

Best Practices for Converting U.S. Travel & Entertainment Card Portfolios to EMV May 2013 Dave Kaminsky

B2B Networks: Still Trying to Solve the Paper Problem in Commercial Payments October 2012 Michael Misasi

Procure-to-Pay Automation: Corporate Payment Solutions Explained August 2012 Michael Misasi

The Final Repeal of Regulation Q: One Year Later, Much Ado About Nothing July 2012 Patricia McGinnis

Can Banks Facilitate Multichannel Corporate Cash Flows? July 2012 Patricia McGinnis

"Procure to Pay": Moving from Paper to Electronic Formats Is a Confusing Process May 2012 Patricia McGinnis

Commercial Cards: Evaluating Multinational Card Programs March 2012 Patricia McGinnis

Commercial Card Technology and Working Capital Optimization March 2012 Patricia McGinnis

Treasury / Cash Management Patricia McGinnis

Commercial Lending: Markets, Technologies & Strategies (8.5)