Debit Advisory Service
Service Description Mercator Advisory Group's Debit Advisory Service (DAS) focuses on the needs of Debit issuers, acquirers, processors and the vendors who serve them. The emphasis of this service is on the various forms of electronic consumer and commercial payment methods that involve accessing a transaction-based account. These methods include, for example, debit cards, ACH, and EFT.
From the perspective of accountholders, financial institutions, and merchants Mercator Advisory Group examines the impact of current and future technology on business processes at all stages of the debit account and transaction lifecycle. Mercator Advisory Group's engagement and coverage includes, but is not limited to: account management and servicing, loyalty programs, risk management, POS devices, strategic positioning, ATM market, check conversion, bill payment and vendor management.
Mercator Advisory Group’s Debit Advisory Service focuses on identifying areas of opportunity, monitoring new developments that will impact growth from perspectives across all stakeholders, analyze key metrics, and identify trends including but not limited to: best practices, innovative strategies, regulatory issues, partnership opportunities, risk management, key market practitioners, and emerging business lines.
Principal Focus Areas: Debit Card Industry Strategy & Evolution · Traditional Debit Cards (FI-issued)
· Online Debit, PINless Debit
· Small Business Debit
· Growth Opportunities and Emerging Markets Other Pay Now Tender Types and Related Products · Cash Payments
· Check Payments, Electronic Check, Check 21
· Consumer Bill Payment
· ACH-based Products Alternative Debit Products and Strategies · Alternative Online Debit
· Co-branded and Decoupled Debit
· Hybrid Accounts Debit Account Lifecycle Strategies & Technologies · Account Acquisition, Management, and Servicing
· Risk and Fraud Management
· Loyalty and Rewards
· Processing Systems and Strategies Regulatory Environment · Durbin Amendment
· Other Financial Reform
· Fee Impact and Structures
· Competitive Market Impact and Emerging Constructs Debit Networks · Global Card Networks
· EFT Networks
· ACH Networks
· Non-Traditional and Emerging Networks
· M&A Activity
· Service Expansion Strategies Debit Acquiring · Check Conversion at POS
· Economic Models, Interchange
· Loyalty and Marketing
· Bill Payment
 Most Recent Five Documents (2.01) |
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| Debit Card Industry Strategy & Evolution (2.1) |
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| Issuer Account Lifecycle Strategies & Technologies (2.2) |
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| Alternative Products (2.3) |
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| EFT Networks (2.4) |
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| Debit Acquiring and Merchant Services (2.5) |
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| Financial Institutions (2.6) |
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