Converging Trends Making 2015 a Year to Remember in Payments and Banking

 Leading payments and banking research and consulting firm offers free outlook on trends converging in 2015 in U.S. EMV deployment, omnichannel delivery, and mobile payments  

Boston, MA — January 28, 2015 — 2014 was far from a sleepy year in the payments industry, but it was just a setup for an active 2015 in the payments and banking industries. A convergence of three trends is likely to make 2015 a year to remember, according to the free 2015 Payments Outlook written by Ken Paterson, head of research, Mercator Advisory Group. The three converging trends are:

  • The target year for U.S. EMV deployment

  • Upping the omnichannel/omnicommerce ante

  • Beginning the mobile payments endgame

“Payments stakeholders have a lot to worry about strategically,” comments Ken Paterson, Mercator Advisory Group’s VP of Research and author of this Outlook. “These three trends, which have been building for several years, all become serious business concerns in 2015 that will demand decisions and actions. And that is on top of ongoing security, regulatory, and operations concerns. 2015 is likely to be a memorable year in the payments industry.”

Download this and all of Mercator Advisory Group’s 2015 Payments and Banking Outlooks for free Here


The 2015 Payments Outlook also introduces five macro themes that expand across Mercator Advisory Group’s services and will be key elements of the firm’s research in 2015 and beyond.

The five macro themes are:


Relationship-based disruption: Evolving peer-to-peer payment and lending services threaten to disintermediate to traditional financial institutions.


A new era of risk management technology. Implementation of card network tokenization and EMV drive new challenges and opportunities for stakeholders.

Beyond the vapor of “big data.” New analytics drive real results in specific applications, including optimization, lean data decisioning, and offer management.  

Beginning the mobile payments endgame. Competing business and technology models position for merchants, issuers, and consumers.  

Merchant services move beyond payments. POS and mobile technology drive merchant demand for integrated data, marketing, and payment applications. 

The free 2015 Payments Outlook Viewpoint is the last in a series of seven Viewpoints by Mercator Advisory Group that provide insights into trends and new themes on the horizon that will have a significant impact on the payments and banking industry, consumers, and the ways companies do business in 2015 and beyond. The subjects of these Outlooks set the foundation for Mercator Advisory Group’s research agenda for the coming year and provide a framework for key points of engagement that Mercator Advisory Group will have with its clients in 2014.

The Outlooks for 2015 are presented by each of Mercator Advisory Group’s Advisory Services—Debit, Credit, Prepaid, Commercial and Enterprise Payments, Emerging Technologies, Banking Channels, and Global Payments—and can be downloaded without charge.

Download this and all of Mercator Advisory Group’s 2015 Payments and Banking Outlooks for free Here

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About Mercator Advisory Group
Mercator Advisory Group is the leading independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal