Global Payments

Service Description

Mercator Advisory Group’s Global Payments Advisory Service (GPAS) leverages its extensive research library and networks with multi-national and local players around the world to provide broad in-depth research and consulting services to domestic, international, and multi-national clients.

GPAS centers on the needs of global markets related to developing paymentsrelated services, and focuses on strategic trends, best practices and innovations in credit, debit, prepaid, and emerging payments technology. GPAS targets the interests of payment networks, issuers, acquirers, processors, service providers, merchants, and the vendors and consultancies serving them.

 

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Principal Focus Areas and Research

Emerging Payment Technologies and Innovations

• Payments Hub Market and Vendor Solutions Overview: Technology Advances Offer a New Perspective
  August 2021
• Modernizing Regulatory Oversight of New Technology – Fast Enough to Manage Risks?
  June 2021
• Cryptocurrencies: Governments and Banks Catch Up to the Adoption Curve
  May 2021
• Biometrics: Driven by Standardized Authentication, Adopted by Consumers
  April 2020
• The Emergence of API Platforms: Open Banking and Payments Drive New Business Models
  December 2019
• Receivables Management Is Back on the Radar
  July 2019
• International Commercial Cards: Market Review and Forecast, 2018–2023
  June 2019
• B2B Payments: More Options Than Ever Before
  May 2019
• How Banks Can Safely Do Cryptocurrency
  April 2019
• Blockchain B2B Is Starting to Turn the Corner
  April 2019
• Supplier Enablement: Get More Flexible and Technical
  April 2019
• Securing E-Commerce: Competing Technology Crowds the Market
  February 2019
• Fintech in Corporate Banking: Digitize or Miss the Boat
  February 2019
• 2019 Outlook: U.S. Payments
  January 2019
• Procure-to-Pay Convergence: Market Review and Vendor Comparison
  September 2018
• Bringing AI into the Enterprise: A Machine Learning Primer
  August 2017
• U.S. Faster Payments Is Sorta Kinda Here
  August 2017
• Biometrics: A Market Forecast for Consumer Adoption
  January 2017
• Biometrics: A New Wrinkle Changes the Authentication Landscape
  January 2017
• Understanding Risk in Bitcoin and Bitcoin Exchanges
  August 2016
• Alternative Currencies: Are Cryptocurrencies Ready for Prime Time?
  June 2016
• Exploring the European Payment Gateway Opportunity
  March 2016
• 2016 Outlook: Global Payments
  December 2015
• Company Snapshot: Pivo
  March 2015
• 2015 Outlook: Payments
  December 2014
• European M-POS Providers
  December 2014
• Surveying the Global Prepaid Travel Card Landscape
  October 2014
• Global Transit Payment Initiatives
  August 2014
• Wearable Banking Technologies: A Truly Mobile Banking Experience
  February 2014
• Dynamic Currency Conversion: A Growing Global Opportunity
  February 2014
• International Contactless Payment Developments
  October 2013
• The Mobile Wallet Game: Visa and MasterCard Playing Both Offense and Defense Around the World
  October 2013
• Keeping Up with M-Pesa
  June 2013
• Global Mobile Retail Payment Initiatives 2013
  April 2013
• Revisiting Biometrics Around the World, 2013
  March 2013
• Contactless Cards: The Gateway for Mobile NFC Payments?
  November 2012
• Global NFC Payments Forecast 2012
  October 2012
• International Payments Innovations
  April 2012
• Cross-Border Online Payments
  April 2012
• European Online Payments
  March 2012
• The State of EMV Adoption: A Global Update
  January 2012
• India Prepaid Market 2011
  January 2012
• UK Prepaid Market 2011
  October 2011
• VC Investments in Payments 2010
  June 2011
• US Versus China Prepaid Cards: A comparison of the world's two largest prepaid markets
  May 2011
• Debit Card Rewards in India
  March 2011
• Global Sweep: NFC Technology to Redefine Smartphone Services
  December 2010
• Global Contactless Card Market Update 2010: On the Verge of a Breakthrough?
  November 2010
• Global Biometric Payments: More Than Security
  September 2010
• Spending Cash Online: Alternative Payment Channels for e-Commerce 2010
  August 2010
• Global Prepaid Card Market Potential Ranking 2010
  May 2010
• Venture Capital in Payments 2010: How VC Funding Drives Global Payments Innovation
  March 2010
• How Close Is Proximity? Part I: NFC Proximity Mobile Payments in 2009
  January 2010
• How Close Is Proximity? Part II: Alternative Proximity Mobile Payments in 2009
  January 2010
• Mobile Payment Systems: With or Without Banks
  January 2010
• EMV Migration in Asia-Pacific
  December 2009
• How Developing World FIs Will Miss the Biggest Consumer Financial Services Market of All Time
  December 2009
• The Global Contactless Payment Card Market: Increased Adoption in Close Proximity?
  November 2009
• Shifting Gears: Cards and Electronic Payments in China 2009
  November 2009
• Global EMV Migration and the European Market: 2009
  June 2009
• Building a Business Ecosystem Around the Underserved - The Case of Venezulea
  April 2009
• Challenges in Global Prepaid Card Markets: 2009
  April 2009
• Virtual Point-of-Sale: Diving in and Disappearing into the Line of Business Application
  December 2008
• Driving Consumers Toward Mobile Money Services: Lessons from South Africa, the Philippines, and Kenya
  August 2008
• Mobile Payment Case Study: NTT DoCoMo's Proximity Mobile Commerce Platform
  May 2008
• 2007 Online Payments Market in China: Market Overview and Major Players
  April 2008
• Contactless Card Market in China 2007
  April 2008
• The Evolving Landscape for Prepaid Cards in Latin America and Europe
  March 2008
• Mobile Payment Case Studies: UMPay and China's Mobile Payment Market
  February 2008
• Commercial Cards and the Multinational Space: One Small Slice of the Global Commercial Payments Pie
  December 2007
• Unlocking Customer Loyalty in Asia's Card Markets
  December 2007
• International Transit and Payment: Finding the Contactless Breakout Strategy
  December 2007
• Opportunities for the Public and Private Sectors in the Canadian Prepaid Market
  September 2007
• Global EMV Migration Update: Europe, Asia Pacific, and Latin America
  July 2007
• Global EMV Migration Update: Canada
  June 2007
• EMV Beyond Payments: The Bonus Card Case Study
  November 2006
• International Prepaid Market Readiness 2006: Opportunities and Obstacles
  October 2006
• Predicting Mobile Payment Success in Asia
  March 2006
• Global Initiatives: Identifying Key Drivers Of Smart Card Adoption
  February 2006
• Payments Innovation in SE Asia: Through the Looking Glass
  April 2004

Global Payments Markets

• International Prepaid Market Developments and Growth Trends
  September 2021
• Open Banking Goes Worldwide: U.S. Inroads are Keeping Pace with Global Efforts
  August 2021
• Commercial Credit Cards: International Markets Review and Forecast, 2020-2025; COVID Bounce Back Not Expected Until 2023
  July 2021
• A Lesson for the U.S: How EU Open Banking APIs Have Stabilized to Support Alternative Networks
  July 2021
• 2021 Outlook: U.S. Payments
  April 2021
• Debit Card Trends in the Asia-Pacific Region
  December 2020
• Asian Mobile Pays Continue High Growth, But U.S. Market Expansion Stalls
  August 2020
• Mega Mergers of Merchant Acquirers—One Year Later
  August 2020
• Commercial Credit Cards: North America Market Review and Forecast, 2018-2024
  August 2020
• Debit Card Trends Across Europe
  July 2020
• Commercial Credit Cards: International Markets Review and Forecast, 2019-2024
  June 2020
• The Canadian Open-Loop Prepaid Market: 2019
  June 2020
• Business-to-Business Cross-Border Payments: New and Improving Options
  April 2020
• The Canadian Credit Card Market
  March 2020
• U.S., Canada, and U.K. Prepaid Markets: Similarities and Differences
  September 2019
• Commercial Credit Cards North America, 2017–2023: Growth and Change Continue
  August 2019
• Credit Cards in Latin America and Caribbean: Financial Inclusion with Risk and Opportunity
  July 2019
• The Canadian Open-Loop Prepaid Market: 2018
  June 2019
• Fiserv and First Data Proposed Merger Shakes U.S. Payments Ecosystem
  February 2019
• 2019 Outlook: U.S. Payments
  January 2019
• The Canadian Open-Loop Prepaid Market: 2017
  May 2018
• International Commercial Card Markets Outlook: 2016–2021
  April 2018
• U.K. Prepaid Market Dynamics, 2017
  January 2018
• 2017 ATM Market Benchmark Report
  November 2017
• The Canadian Open-Loop Prepaid Market: 2016
  November 2017
• Evolution of Merchant Acquiring in Europe
  November 2017
• Brazil, Russia, India, and China: Payment Developments in the BRIC Countries
  October 2017
• Commercial Cards Global Markets: Travel and Virtual Accounts Driving Growth
  May 2017
• 2017 Payments Outlook
  January 2017
• Brexit’s Impact on Commercial Payments
  November 2016
• 2016 ATM Market Benchmark Report
  October 2016
• Breaking Down Barriers: Challenges for Commercial Global Card Programs
  October 2016
• The Canadian Open-Loop Prepaid Market: 2015
  June 2016
• Update on Faster Corporate Payments
  April 2016
• Asia-Pacific Commercial Credit Cards: Market Review
  February 2016
• Country Payments Market Profile: South Africa
  January 2016
• 2016 Payments Outlook
  January 2016
• Country Payments Market Profile: Mexico
  January 2016
• 2016 Outlook: Global Payments
  December 2015
• The Impact of Contactless Cards on the U.K.’s Mobile Payments Future
  September 2015
• 2015 U.K. Debit Rewards Landscape Review
  May 2015
• Country Payments Market Profile: India
  April 2015
• Country Payments Market Profile: Turkey
  March 2015
• 2015 Outlook: Payments
  December 2014
• 2015 Outlook: Global Payments
  December 2014
• Searching for the Payment El Dorado: BRIC vs. MINTS
  September 2014
• African Payments Markets, 2014
  July 2014
• Unbanked and Underbanked Consumers in South America: A Market for E-Payments
  May 2014
• Profiling the South American ATM Landscape
  May 2014
• Chinese Electronic Payment Market Update
  March 2014
• European E-Commerce Landscape
  March 2014
• The Brazilian Payments Market: Ready for the Limelight
  February 2014
• Outlook for the 2014 Payments Landscape
  January 2014
• 2014 International Payments Market Outlook
  December 2013
• Global Remittance Market
  September 2013
• Multicurrency Prepaid Cards Likely to Remain at Fringes of U.S. Payments Mix for Now
  August 2013
• International ATM Partnerships: Market Differentiators for Participating Banks?
  August 2013
• The Mexican Payment Card Market
  July 2013
• Keeping Up with M-Pesa
  June 2013
• Payment Acquiring and Merchant Services in Canada 2013 Update
  April 2013
• Cash Based Alternative Online and Mobile Payment Services Around the World
  April 2013
• A First Look into the Canadian Prepaid Market
  April 2013
• Introduction to the Russian Payment Market
  April 2013
• International Payments Market Outlook 2013
  February 2013
• European Card Market 2012 Update
  January 2013
• Premium Credit Card Opportunities in Asia-Pacific Markets
  January 2013
• China's E-Payment Market 2012
  November 2012
• Canadian Payment Card Market 2012
  October 2012
• Brazil Payments Card Market Update
  May 2012
• BRIC Debit Divergence: Brazil and India
  May 2012
• Japan Payments Market Update
  April 2012
• China Payment Card Market Update
  February 2012
• Global Payments Market Outlook 2012
  February 2012
• India Prepaid Market 2011
  January 2012
• Developments in the China Prepaid Market 2011
  December 2011
• Payment Acquiring and Merchant Services in Canada
  November 2011
• UK Prepaid Market 2011
  October 2011
• EU Data Protection and Privacy: Conflicts Simmer and Risks Grow
  September 2011
• European Card Market 2011 Update
  July 2011
• Regulatory Change's Impact on China's Emerging ePayments
  July 2011
• US Versus China Prepaid Cards: A comparison of the world's two largest prepaid markets
  May 2011
• Prepaid Card Market in China 2010
  March 2011
• Debit Card Rewards in India
  March 2011
• International Payments Market Update 2011
  February 2011
• The Mercator Map of India: An Overview of the Subcontinent's Payments Market
  January 2011
• Developments in the U.K. Payment Market 2010
  September 2010
• Payment Card Market in China 2010
  September 2010
• The Canadian Debit Market Warning: Contents Under Pressure
  June 2010
• Global Prepaid Card Market Potential Ranking 2010
  May 2010
• Shifting Gears: Cards and Electronic Payments in China 2009
  November 2009
• Central and Eastern European Payment Card Markets: 2009
  October 2009
• Global EMV Migration and the European Market: 2009
  June 2009
• Time to Flee China, or Not
  May 2009
• Challenges in Global Prepaid Card Markets: 2009
  April 2009
• China's Payment Card Market 2008
  December 2008
• The Japanese Payment Card Market 2008
  December 2008
• The State and Evolution of the European Acquiring Market
  October 2008
• Brazilian Payment Card Market: Major Changes Ahead
  July 2008
• India's Electronic Payments Future
  May 2008
• 2007 Online Payments Market in China: Market Overview and Major Players
  April 2008
• Contactless Card Market in China 2007
  April 2008
• The Evolving Landscape for Prepaid Cards in Latin America and Europe
  March 2008
• Mobile Payment Case Studies: UMPay and China's Mobile Payment Market
  February 2008
• SEPA for Cards: Uncertainty Remains after the Deadline
  February 2008
• International B2B Payments: State and Future of the Marketplace
  February 2008
• Unlocking Customer Loyalty in Asia's Card Markets
  December 2007
• Australian Interchange Regulation: Credit Card Issuer Effects
  December 2007
• Roadmap to Profits in China's Credit Card Issuing Market
  November 2007
• Emerging Card Markets in East Asia-Pacific: Beyond the Horizon
  October 2007
• Opportunities for the Public and Private Sectors in the Canadian Prepaid Market
  September 2007
• Sizing Canada's Growing Card Market
  July 2007
• Global EMV Migration Update: Europe, Asia Pacific, and Latin America
  July 2007
• Global EMV Migration Update: Canada
  June 2007
• Emerging Card Markets In Europe
  March 2007
• U.K. Credit Card Issuing: Across The Pond, But Not Out Of The Woods
  December 2006
• International Prepaid Market Readiness 2006: Opportunities and Obstacles
  October 2006
• Thin File And Global Credit Scoring
  September 2006
• Global Card Markets
  May 2006
• The Canadian Credit Card Industry
  March 2006
• Predicting Mobile Payment Success in Asia
  March 2006
• Credit Cards in Japan
  July 2004
• Credit Bureaus and Credit Scoring in European Union Countries
  May 2004
• Payments Innovation in SE Asia: Through the Looking Glass
  April 2004

Leading & Emerging Impact Players

• E-Commerce Fraud Detection Platforms, Part 2: Vendor Assessment
  May 2020
• E-Commerce Fraud Detection Solutions: Market Overview
  February 2020
• 2019 Outlook: U.S. Payments
  January 2019
• Asian Mobile Payment Apps as a Way of Life: A Look at Alipay, Paytm, and WeChat Pay
  May 2018
• 2016 Outlook: Global Payments
  December 2015
• European E-Commerce Alternative Payment Providers Gaining Momentum
  August 2015
• Company Snapshot: WorldRemit
  January 2015
• Company Snapshot: Traxpay
  December 2014
• PayPal’s Future: What Separation from eBay Will Mean
  October 2014
• Alipay: The E-Commerce Dragon Beyond the Great Wall
  March 2014
• Alibaba/Alipay: An Emerging Technology Review from a U.S. and Global Perspective
  February 2014
• ICC and SWIFT’s Bank Payment Obligation Instrument Reduces Risk of Trade Financing Default
  January 2014
• The Mobile Wallet Game: Visa and MasterCard Playing Both Offense and Defense Around the World
  October 2013
• Keeping Up with M-Pesa
  June 2013
• Global Mobile Retail Payment Initiatives 2013
  April 2013
• International Payments Innovations
  April 2012
• Multinational Merchant Acquiring
  April 2012
• European Online Payments
  March 2012
• VC Investments in Payments 2010
  June 2011
• Emerging SEPA Card Schemes
  September 2010
• Spending Cash Online: Alternative Payment Channels for e-Commerce 2010
  August 2010
• Venture Capital in Payments 2010: How VC Funding Drives Global Payments Innovation
  March 2010
• Mobile Payment Systems: With or Without Banks
  January 2010
• Building a Business Ecosystem Around the Underserved - The Case of Venezulea
  April 2009
• Mobile Payment Case Study: NTT DoCoMo's Proximity Mobile Commerce Platform
  May 2008
• 2007 Online Payments Market in China: Market Overview and Major Players
  April 2008
• Mobile Payment Case Studies: UMPay and China's Mobile Payment Market
  February 2008
• Credit Opportunities in China
  April 2004

Payment Regulations

• Trends in Global Regulations: Corporate Banking and Payments
  June 2019
• 2019 Outlook: U.S. Payments
  January 2019
• Global Interchange Regulation: Impact on Debit Cards
  October 2018
• General Data Protection Regulation: The European Union’s Cross-Industry Approach to Data Protection
  April 2018
• Open Banking and Its APIs Debut in Europe and the U.K. . . . and Next?
  March 2018
• Payment Services Directive 2: Worldwide Industry Implications
  April 2017
• Payment Services Directive 2
  December 2016
• Commercial Cards in Europe: Stagnating or Growing?
  March 2016
• 2016 Outlook: Global Payments
  December 2015
• Global Interchange Regulation: Pandora’s Box for Commercial Cards?
  August 2015
• A (Potential) Revolution in Retail Banking Competition: U.K. Case Study
  May 2015
• Global Interchange Regulation: 2014 Update
  January 2015
• Global Mobile Payments Regulations: Hoping for Technology Standardization
  October 2014
• Global Digital Currency Regulations: Divergent Paths
  October 2014
• Dilemma for Visa and MasterCard in Russia: Whether to Stay or Go
  June 2014
• The SEPA Migration: When Will It Be Over?
  January 2014
• Global Regulatory Trends: Interchange Regulation
  November 2013
• Global Citizen ID Initiatives
  April 2013
• Interchange War Continues
  November 2012
• A Glimpse of Prepaid Regulations in International Markets
  May 2012
• EU Data Protection and Privacy: Conflicts Simmer and Risks Grow
  September 2011
• Regulatory Change's Impact on China's Emerging ePayments
  July 2011
• China's Landmark Regulation on Payments
  August 2010
• SEPA for Cards: Uncertainty Remains after the Deadline
  February 2008
• Australian Interchange Regulation: Credit Card Issuer Effects
  December 2007
• Countdown To SEPA: The Clock is Ticking
  July 2006

Strategic Trends And Disruptive Factors

• Regulatory Mandate or Not, Corporate Open Banking is Here
  September 2021
• B2B E-Commerce: The Challenges and Opportunities Caused by Digital Acceleration
  March 2021
• 2021 Outlook: Commercial and Enterprise Payments
  October 2020
• Financing Commercial Trade: The Search for Liquidity
  May 2020
• QR Code Developments May Disrupt the Disrupters
  December 2019
• U.S. Merchant Acquirers Confront Disruptive Payment Industry Forces
  February 2019
• 2019 Outlook: U.S. Payments
  January 2019
• Fighting Payments Fraud: No Rest for the Weary
  December 2018
• B2B Marketplaces: Disruption Presents Opportunity
  November 2018
• Doing Well by Doing Good: Delivery Models and Channels Serving the Financially Underserved
  October 2017
• Virtual Financial Institutions Are Here. Hasn’t Anyone Noticed?
  May 2017
• International Money Transfers: Simpler, Digital, and Cheaper
  October 2016
• Can Coalition Loyalty Programs Succeed in the United States?
  August 2016
• 2016 Annual U.S. Debit Rewards Review with U.K. Comparison
  February 2016
• 2016 Outlook: Global Payments
  December 2015
• Can Digital Banks Stay Digital Only?
  December 2015
• 2015 European Contactless Card Payments Landscape
  October 2015
• European Mobile Person-to-Person Payment Systems: A Changing Environment
  October 2015
• An Introduction to Peer-to-Peer Lending: A European Perspective
  June 2015
• Global Payment Card Fraud Trends and Statistics
  March 2015
• The Expanding Role of Telcos in Payments
  February 2015
• Social Media and Mobile Messaging Providers’ Payment Apps: More Than Just P2P
  January 2015
• Postal Systems and Payments: A Logical Pairing
  June 2014
• Real-Time Payment Systems: A Global Opportunity
  December 2013
• International EMV Developments 2013
  October 2013
• International ATM Partnerships: Market Differentiators for Participating Banks?
  August 2013
• The Mexican Payment Card Market
  July 2013
• Global Citizen ID Initiatives
  April 2013
• International Payments Market Outlook 2013
  February 2013
• Multinational Merchant Acquiring
  April 2012
• Global Payments Market Outlook 2012
  February 2012
• What is Happening in Remittance
  August 2011
• The Canadian Debit Market Warning: Contents Under Pressure
  June 2010
• Mobile Payment Systems: With or Without Banks
  January 2010
• How Developing World FIs Will Miss the Biggest Consumer Financial Services Market of All Time
  December 2009
• 2010 Credit Card Outlook: A Glass Of Flat Champagne
  December 2009
• Dealing With Soaring Bad Card Debt Around the World
  November 2009
• A Different Way of Offering Credit: Islamic Payment Cards' Potential in the Global Economy 2009
  November 2009
• Time to Flee China, or Not
  May 2009
• The State and Evolution of the European Acquiring Market
  October 2008
• International B2B Payments: State and Future of the Marketplace
  February 2008
• Commercial Cards and the Multinational Space: One Small Slice of the Global Commercial Payments Pie
  December 2007