Emerging Technologies Advisory Service

Service Description:

Mercator Advisory Group’s Emerging Technologies Advisory Service (ETAS) focuses on newly emerging consumer payment technologies that stand to impact significantly the future of the industry.

At present, a large emphasis of this service is on Chip/Smart Card technologies, mobile payment initiatives, chip card applications and programs, RFID devices, emerging authentication mechanisms (biometrics, etc.), purse/wallet initiatives, transportation/identity linked programs, and the drivers for success in these increasingly important sectors.

This service also looks closely at POS device advancements, technical product innovation, standards development, e-commerce initiatives, and the drivers for success moving forward.

Principal Focus Areas:

The following themes are frequently covered from a variety of perspectives:

• Markets & Trends
• Customer Facing Technologies & Core Platforms
• Online Payments, P2P, EBPP and Contactless
• Retailer Technologies and Markets
• Security, Authentication, and Fraud Management
• Mobile Banking and Payments

Most Recent Five Documents (3.01)

The Benefits, and Dangers, of Two-Factor Authentication May 2013 Jeffrey Green

M-Commerce: Opportunities, Challenges, and Inevitability May 2013 Dave Kaminsky

Business at the Periphery: Opportunities Around the Transaction April 2013 Jeffrey Green

Emerging Technologies: An Outlook from Q1 2013 April 2013 Jeffrey Green

Mobile Wallets: The U.S. Landscape March 2013 Jeffrey Green

Mobile Banking and Payments (3.1)

The Benefits, and Dangers, of Two-Factor Authentication May 2013 Jeffrey Green

M-Commerce: Opportunities, Challenges, and Inevitability May 2013 Dave Kaminsky

Business at the Periphery: Opportunities Around the Transaction April 2013 Jeffrey Green

Emerging Technologies: An Outlook from Q1 2013 April 2013 Jeffrey Green

Mobile Wallets: The U.S. Landscape March 2013 Jeffrey Green

U.S. EMV Timeline Beyond the Road Maps: How Long Will Conversion Really Take? February 2013 Dave Kaminsky

Prepaid Outlook 2013: Rethinking the Meaning of the Card December 2012 Ben Jackson

Checking In on the Mobile Giants January 2013 Dave Kaminsky

Single-Merchant Wallets: Mobile Payments for the Immediate Future December 2012 Dave Kaminsky

Motivating Consumer Adoption of Mobile Payments December 2012 Dave Kaminsky

The NFC Revolution: Anticipating Changes in the U.S. Payments Landscape October 2012 Dave Kaminsky

Mobile Point-of-Sale Solutions: A Comparative Analysis September 2012 Dave Kaminsky

Maximizing the Value of Social Media June 2012 Dave Kaminsky

Too Early to Call: Five Mobile Giants May 2012 George Peabody

Delineating the Mobile Value Chain: A Holistic View of Mobile Payments April 2012 Dave Kaminsky

International Payments Innovations April 2012 Dave Kaminsky

Mobile Incentives: The Next Step in Device Based Transactions March 2012 Dave Kaminsky

Developments in Payment Technology November 2011 Dave Kaminsky

NFC 3.0, Identity, and Security as a Service September 2011 George Peabody

EMV in the USA August 2011 George Peabody

The New Distinction: Mobile Commerce v. Mobile Payments May 2011 George Peabody

Authentication at the Edge: NFC, Smartphones, and a New Model for Payments Confidence April 2011 George Peabody

Coming to a Phone Near You March 2011 George Peabody

The ISIS Mobile Payments JV: NFC's Breakout Opportunity May Be Balkan Gardens November 2010 George Peabody

Verifone Acquired Hypercom: Consolidation and Anticipation in the POS Terminal Market November 2010 George Peabody

Visa, DeviceFidelity and Having NFC Our Way October 2010 George Peabody

Mobile Resilience: How the Mobile Supply Chain Could Screw up Mobile Payments November 2010 George Peabody

The Payments Land Grab: How Mobile Devices and the PCI Hammer are Shattering Old Models and Forcing Hardware Vendors into the Clouds April 2010 George Peabody

How Close Is Proximity? Part I: NFC Proximity Mobile Payments in 2009 January 2010 Terry X. Xie

How Close Is Proximity? Part II: Alternative Proximity Mobile Payments in 2009 January 2010 Terry X. Xie

Mobile Payment Systems: With or Without Banks January 2010 Terry X. Xie

Remote Payments on the iPhone: Account Access, Card Not Present and a Seamless Payment Experience November 2009 George Peabody

Text Messaging and Collections: Driving Response Rates 160 Bytes at a Time May 2009 George Peabody

Mobile Commerce and Remote Payments: Consumers and Merchants are getting it, but will they really Use It? December 2008 George Peabody

Text Messaging and Mobilizing Prepaid Financial Services: You Can't Beat Ubiquity October 2008 George Peabody

Driving Consumers Toward Mobile Money Services: Lessons from South Africa, the Philippines, and Kenya August 2008 Elisa Athonvarangkul

Patience and the Win/Win: Broadband and the Rural Financial Institution August 2008 George Peabody

US Mobile Banking: Sedate Growth, Disruptive Potential May 2008 George Peabody

Mobile Banking: Just Getting Off the Ground February 2008 George Peabody

Mobile Financial Services Security: A New Ecosystem at Risk November 2007 George Peabody

U.S. Mobile Banking And Payments: Finding The Seams, Accelerating The Pace March 2007 George Peabody

A True Test For Contactless Payments: The Market For Open-Network Transit Solutions November 2006 Michael Friedman

Predicting Mobile Payment Success in Asia March 2006 Michael Friedman  Melanie Broad

Mobile Payment Initiatives: Rethinking the Strategy December 2003 George Peabody  Nick Holland

Security, Authentication, and Fraud Management (3.2)

Business at the Periphery: Opportunities Around the Transaction April 2013 Jeffrey Green

Emerging Technologies: An Outlook from Q1 2013 April 2013 Jeffrey Green

U.S. EMV Timeline Beyond the Road Maps: How Long Will Conversion Really Take? February 2013 Dave Kaminsky

Card-Not-Present Risk Management Across the Value Chain February 2012 David Fish

The State of EMV Adoption: A Global Update January 2012 Michael Misasi

POS Terminals: On the Cusp of Change January 2012 Dave Kaminsky

Moving Parts: EMV, NFC and Contactless Deployment in the US December 2011 George Peabody

Chip in My Pocket November 2011 George Peabody

Developments in Payment Technology November 2011 Dave Kaminsky

NFC 3.0, Identity, and Security as a Service September 2011 George Peabody

EMV in the USA August 2011 George Peabody

Data Protection and Privacy: Primer For A Challenging Issue July 2011 Patricia McGinnis

EMV in the USA: Pushing the Peanut Down the Field June 2011 George Peabody

Authentication at the Edge: NFC, Smartphones, and a New Model for Payments Confidence April 2011 George Peabody

EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment December 2010 George Peabody

Rise of the VARs: Merchant Attrition and Value-Added Technology's Impact on Account Retention July 2009 David Fish

End-to-End Encryption: The Acquiring Side Responds to Data Loss and PCI Compliance June 2009 George Peabody

Merchant Security, Tokenization and the Fairy Tale of Outsourcing PCI March 2009 George Peabody

Text Messaging and Mobilizing Prepaid Financial Services: You Can't Beat Ubiquity October 2008 George Peabody

Online Security Review 2007: Better Defenses, Still Exposed December 2007 George Peabody

AML Update: Moving Toward The 'Total Mix' January 2007 George Peabody

Biometric Authentication Gains Momentum May 2006 Melanie Broad  Michael Friedman

Global Initiatives: Identifying Key Drivers Of Smart Card Adoption February 2006 Melanie Broad

Total Transaction Security: Best Practices in Limiting Fraud Exposure Online and Offline January 2006 Michael Friedman

Online Authentication: Response To FFIEC Guidance December 2005 Michael Friedman

Guarding Precious Cargo: The Evolving Function of Compliance Initiatives (CISP/SDP/PCI) in Protecting Cardholder Data January 2005 George Peabody  Nick Holland

Under the Hood: Card Fraud Detection and the Role of Predictive Analytics August 2004 George Peabody  Nick Holland

Biometrics/Identity Verification Technologies: Ready for Prime Time? February 2004 George Peabody  Nick Holland

Retailer Technologies and Markets (3.3)

The Benefits, and Dangers, of Two-Factor Authentication May 2013 Jeffrey Green

M-Commerce: Opportunities, Challenges, and Inevitability May 2013 Dave Kaminsky

Business at the Periphery: Opportunities Around the Transaction April 2013 Jeffrey Green

Emerging Technologies: An Outlook from Q1 2013 April 2013 Jeffrey Green

Mobile Wallets: The U.S. Landscape March 2013 Jeffrey Green

Self-Checkout Retail Terminals: Benefits, Detriments, and Opportunities March 2013 Dave Kaminsky

U.S. EMV Timeline Beyond the Road Maps: How Long Will Conversion Really Take? February 2013 Dave Kaminsky

Prepaid Outlook 2013: Rethinking the Meaning of the Card December 2012 Ben Jackson

Single-Merchant Wallets: Mobile Payments for the Immediate Future December 2012 Dave Kaminsky

Motivating Consumer Adoption of Mobile Payments December 2012 Dave Kaminsky

Mobile Point-of-Sale Solutions: A Comparative Analysis September 2012 Dave Kaminsky

A Moment in Time May 2012 George Peabody

Delineating the Mobile Value Chain: A Holistic View of Mobile Payments April 2012 Dave Kaminsky

International Payments Innovations April 2012 Dave Kaminsky

Programming the Payments: From APIs to Commerce Platforms March 2012 George Peabody

Multichannel Merchants Face Payment Process Complexity March 2012 David Fish

Mobile Incentives: The Next Step in Device Based Transactions March 2012 Dave Kaminsky

The State of EMV Adoption: A Global Update January 2012 Michael Misasi

POS Terminals: On the Cusp of Change January 2012 Dave Kaminsky

Moving Parts: EMV, NFC and Contactless Deployment in the US December 2011 George Peabody

Developments in Payment Technology November 2011 Dave Kaminsky

NFC 3.0, Identity, and Security as a Service September 2011 George Peabody

Solving the Micropayments Problem September 2011 Dave Kaminsky

Fighting for Position: The Mobile Wallet Wars August 2011 George Peabody

EMV in the USA August 2011 George Peabody

Smart Ticketing: The Move to Open-Loop Transit June 2011 George Peabody

The Future of Prepaid Cards is Not Plastic March 2011 Ben Jackson

Merchant-level Sales Shake-up Ahead May 2010 George Peabody

Vertical Integration and the Payments Value Chain April 2010 George Peabody

Cloud Computing and Innovation at the Point-of-Sale: Toward the Cloud-Based vECR March 2010 David Fish

Gateway Providers Look Toward the Cloud: There'll Be a Lot of Company Up There January 2010 George Peabody

Merchant Security, Tokenization and the Fairy Tale of Outsourcing PCI March 2009 George Peabody

Virtual Point-of-Sale: Diving in and Disappearing into the Line of Business Application December 2008 Elisa Athonvarangkul  George Peabody

Merchant Payment Switching: Saving Money amid the Constraints December 2008 George Peabody

A New POS Paradign: Hardware as Service Delivery Platform August 2008 George Peabody

Top US Emerging Payment Technologies: Some Leverage for the Merchant May 2008 George Peabody

US Wireless POS: Gets Up from the Table and Runs Out the Door March 2008 George Peabody

A Seamless POS Future: Moving Order Entry and Payments into an iPod February 2008 George Peabody

Solving the Micropayment Problem: Online and at the POS April 2007 George Peabody

Hungry For Adoption: Pay At Table Viewpoint And Wireless Point Of Sale Update December 2006 Michael Friedman

Virtual Point of Sale Markets and Growth November 2005 Melanie Broad

The Strategic Implications of Virtual Point of Sale Terminals October 2005 Melanie Broad

Wireless POS Market Segments, Size and Strategy August 2005 George Peabody  Michael Friedman

RFID, EPC, and Self-Checkout Solutions: Payments Beyond the Barcode October 2004 George Peabody  Nick Holland

The Move to IP at the POS: The Juggarnaut Gains Momentum September 2004 George Peabody  Nick Holland

POSsibilities: The Point of Sale Industry Global Markets and Players June 2004 George Peabody  Nick Holland

POSsibilities: Issues and Technologies at the Consumer Payments Hub June 2004 George Peabody  Nick Holland

Online Payments, P2P, EBPP and Contactless (3.4)

The Benefits, and Dangers, of Two-Factor Authentication May 2013 Jeffrey Green

M-Commerce: Opportunities, Challenges, and Inevitability May 2013 Dave Kaminsky

Mobile Wallets: The U.S. Landscape March 2013 Jeffrey Green

U.S. EMV Timeline Beyond the Road Maps: How Long Will Conversion Really Take? February 2013 Dave Kaminsky

Checking In on the Mobile Giants January 2013 Dave Kaminsky

Single-Merchant Wallets: Mobile Payments for the Immediate Future December 2012 Dave Kaminsky

Delineating the Mobile Value Chain: A Holistic View of Mobile Payments April 2012 Dave Kaminsky

International Payments Innovations April 2012 Dave Kaminsky

Programming the Payments: From APIs to Commerce Platforms March 2012 George Peabody

Multichannel Merchants Face Payment Process Complexity March 2012 David Fish

Card-Not-Present Risk Management Across the Value Chain February 2012 David Fish

Developments in Payment Technology November 2011 Dave Kaminsky

NFC 3.0, Identity, and Security as a Service September 2011 George Peabody

Solving the Micropayments Problem September 2011 Dave Kaminsky

Fighting for Position: The Mobile Wallet Wars August 2011 George Peabody

EMV in the USA August 2011 George Peabody

US Person-to-Person Mobile Payments Market: Gee Whiz or Gee Why? January 2011 George Peabody

Squares and Sleds: Wireless POS Plays a Smarter Game August 2010 George Peabody

Alternative Payment Services: Moving into Traditional Payment Territory August 2007 Melanie Broad  George Peabody

Solving the Micropayment Problem: Online and at the POS April 2007 George Peabody

A True Test For Contactless Payments: The Market For Open-Network Transit Solutions November 2006 Michael Friedman

Walk-in Bill Payment July 2006 Michael Friedman  Melanie Broad

Mobile Payments In The United States: SMS and NFC Implementations Enter The Market April 2006 Michael Friedman  Melanie Broad

US Smart Card Update: Contactless Emerges As A Viable Smart Card Platform February 2006 Melanie Broad

Innovations in Online Bill Payments August 2005 Michael Friedman

Capturing the Online Customer: Current and Future Investments in Self-Service April 2005 George Peabody  Michael Friedman

The Whole is Greater than the Sum of its Parts? Paid Content and Micropayment Models July 2004 George Peabody  Nick Holland

A2A and Remittance Services Open the Door for New Competition in the Internet P2P Payments Market March 2004 Evren Bayri

Contactless Devices at the POS: A Tsunami on the Horizon November 2003 George Peabody  Nick Holland

Micropayments Get Smart: Online Debit & Chip a Winning Combination November 2003 George Peabody  Nick Holland

Customer Facing Technologies & Core Platforms (3.5)

M-Commerce: Opportunities, Challenges, and Inevitability May 2013 Dave Kaminsky

Self-Checkout Retail Terminals: Benefits, Detriments, and Opportunities March 2013 Dave Kaminsky

U.S. EMV Timeline Beyond the Road Maps: How Long Will Conversion Really Take? February 2013 Dave Kaminsky

Prepaid Outlook 2013: Rethinking the Meaning of the Card December 2012 Ben Jackson

Checking In on the Mobile Giants January 2013 Dave Kaminsky

Single-Merchant Wallets: Mobile Payments for the Immediate Future December 2012 Dave Kaminsky

Motivating Consumer Adoption of Mobile Payments December 2012 Dave Kaminsky

Mobile Point-of-Sale Solutions: A Comparative Analysis September 2012 Dave Kaminsky

Maximizing the Value of Social Media June 2012 Dave Kaminsky

Too Early to Call: Five Mobile Giants May 2012 George Peabody

Delineating the Mobile Value Chain: A Holistic View of Mobile Payments April 2012 Dave Kaminsky

International Payments Innovations April 2012 Dave Kaminsky

Mobile Incentives: The Next Step in Device Based Transactions March 2012 Dave Kaminsky

POS Terminals: On the Cusp of Change January 2012 Dave Kaminsky

The Evolution of the ATM Banking Channel December 2011 Edward O'Brien

Chip in My Pocket November 2011 George Peabody

Developments in Payment Technology November 2011 Dave Kaminsky

Solving the Micropayments Problem September 2011 Dave Kaminsky

EMV in the USA August 2011 George Peabody

It's Time for Great Design to Drive Self-Service Financial Services Kiosk Deployment April 2009 George Peabody

IP, Broadband and Dial-up Access: Will Cost Savings Close the IP Deal? December 2008 George Peabody

Self-Service Kiosks, Bill Pay and Getting It Right August 2008 George Peabody

A Seamless POS Future: Moving Order Entry and Payments into an iPod February 2008 George Peabody

International Transit and Payment: Finding the Contactless Breakout Strategy December 2007 Melanie Broad  George Peabody

Retail Self-Checkout: Providing Options For Merchants and Consumers April 2007 Melanie Broad  George Peabody

Commerical Capture Solutions January 2007 Michael Friedman  George Peabody

Walk-in Bill Payment July 2006 Michael Friedman  Melanie Broad

The Electronification of Paper Checks: Conversion, Truncation and Other Mechanisms for Resuscitation May 2005 George Peabody  Nick Holland

Loyalty Programs: The Chips Real Potential Unlocked November 2003 Evren Bayri

Markets & Trends (3.6)

M-Commerce: Opportunities, Challenges, and Inevitability May 2013 Dave Kaminsky

Mobile Wallets: The U.S. Landscape March 2013 Jeffrey Green

Self-Checkout Retail Terminals: Benefits, Detriments, and Opportunities March 2013 Dave Kaminsky

U.S. EMV Timeline Beyond the Road Maps: How Long Will Conversion Really Take? February 2013 Dave Kaminsky

Checking In on the Mobile Giants January 2013 Dave Kaminsky

Single-Merchant Wallets: Mobile Payments for the Immediate Future December 2012 Dave Kaminsky

The NFC Revolution: Anticipating Changes in the U.S. Payments Landscape October 2012 Dave Kaminsky

Mobile Point-of-Sale Solutions: A Comparative Analysis September 2012 Dave Kaminsky

Micropayments and the Durbin Amendment May 2012 Dave Kaminsky

A Moment in Time May 2012 George Peabody

Too Early to Call: Five Mobile Giants May 2012 George Peabody

Delineating the Mobile Value Chain: A Holistic View of Mobile Payments April 2012 Dave Kaminsky

Programming the Payments: From APIs to Commerce Platforms March 2012 George Peabody

Mobile Incentives: The Next Step in Device Based Transactions March 2012 Dave Kaminsky

POS Terminals: On the Cusp of Change January 2012 Dave Kaminsky

Moving Parts: EMV, NFC and Contactless Deployment in the US December 2011 George Peabody

Developments in Payment Technology November 2011 Dave Kaminsky

Solving the Micropayments Problem September 2011 Dave Kaminsky

Fighting for Position: The Mobile Wallet Wars August 2011 George Peabody

EMV in the USA August 2011 George Peabody

Durbin and Payments Innovation June 2011 George Peabody

Smart Ticketing: The Move to Open-Loop Transit June 2011 George Peabody

Payment Technology 2011: Mostly Mobile, Platforms, EMV and What to do About Debit? April 2011 George Peabody

Cloud Computing and Innovation at the Point-of-Sale: Toward the Cloud-Based vECR March 2010 David Fish

Alternate Payments: Disruptive Technology or Just an Online Ally for Traditional Payment Providers? January 2010 George Peabody

We're Going to Need Stronger Glue: Social Self-Service Meets Legacy Customer Service August 2009 George Peabody

The Global and US POS Markets: Forecasts and Futures September 2007 George Peabody

Online and Mobile Digital Content Markets June 2007 George Peabody  Melanie Broad

Smart Cards and Healthcare March 2007 Melanie Broad  George Peabody

Anticipating Micropayment Growth October 2005 Michael Friedman

Wireless POS Market Segments, Size and Strategy August 2005 George Peabody  Michael Friedman

The Gravitational Pull of Multiapplication Smart Cards: How Long Can the US Resist? December 2004 George Peabody  Nick Holland

E-Payment Security and Online Fraud Prevention: Self Defense for the Merchants and Cardholders March 2004 George Peabody  Nick Holland

Financial Services Smart Cards in the US: Where are they Now? January 2004 George Peabody  Nick Holland