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Alternative Payments Update
Tracking and Driving Consumer Adoption
Concept Report
Edward Kountz -
May 7, 2008

Merchants considering accepting alternative online payment options must be aware that building broad-based adoption of such services takes time. However, factors driving consumers' uptake of such services (and results of merchants already implementing) suggest value in accepting them.


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NFC-Based Mobile Payments in the US
Understanding Challenges of an Early-Stage Market
Concept Report
Edward Kountz -
March 24, 2008

US banks and wireless carriers have a growing interest in mobile proximity payments leveraging Near Field Communication (NFC) technology. However, ongoing trials highlight significant hurdles throttling broad-based deployment in the midterm.


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Merchant Data Security
Increasing Compliance and Fostering Trust Among Consumers
Concept Report
Edward Kountz -
January 7, 2008

Concerns about merchant data security standards prompted development of the Payment Card Industry Data Security Standard (PCI DSS). However, a significant gap in compliance between small and midsize businesses (SMBs) and relatively larger firms creates an unresolved challenge that must be addressed to effect end-to-end data security.


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Information Security
Assessing the Burden of Consumers' Data Security Concerns
Concept Report
Edward Kountz -
October 22, 2007

The impact of online financial fraud has received significant attention, but a review of the data indicates fraud is a multichannel concern. With consumers' education largely in place, relatively stronger attention must be paid to both expanding merchants' data security and aligning institutional resources in fraud prevention with resolution efforts.


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Payment Preferences Online
Analyzing Payment Ownership, Preference, and Spending Patterns Beyond Credit Cards
Concept Report
Edward Kountz -
September 24, 2007

Understanding the typical characteristics of payment product users is essential to maximizing use as well as tailoring features and marketing.


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Contactless Payments
Global Strategy Seeks to Secure High-Potential Markets
Concept Report
Edward Kountz -
July 22, 2007

Banks are issuing contactless payment cards in a number of markets worldwide, in a bid to jumpstart awareness and adoption. This global deployment strategy faces market-specific challenges, but if successful, it will position contactless as a must-consider option for issuers worldwide.


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Alternative Payments at the Point of Sale
Assessing the Progress of Fingerprint Biometrics
Concept Report
Edward Kountz -
July 3, 2007

Seeking greater customer loyalty and lower-cost payment options, merchants are deploying innovative point-of-service (POS) payment options, including in-store fingerprint biometric payment readers and loyalty kiosks.


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Recurring Payments
Promoting Consumers' Adoption of Automated Credit and Debit Card Payments
Concept Report
Edward Kountz -
May 21, 2007

Many consumers see value in setting up automatic credit or debit card payments for recurring bills (such as for mortgages, utilities, or cable TV) but concerns about financial control must be addressed to effectively reach the broadest user base.


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Recurring Payments
Considering Consumers' Preferences for Paying Recurring Bills
Concept Report
Edward Kountz -
May 8, 2007

The consumer payments industry is investing in one-time and automatic online payment capabilities for recurring bills (e.g., mortgage, utility, or cable TV), including those made via bank account transfers and credit and debit card payments.


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US Online Payments Forecast, 2006 to 2011
A Closer Look at Credit Versus Debit Trends Online
Concept Report
Edward Kountz -
April 27, 2007

Debit transaction volumes are still increasing on the Internet, although credit remains responsible for a majority of total online payment value. Merchants must consider the impact of these trends when investing in strategic payment processes/product investments.


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American Express IN:Cards Target Young, Urban Adults
Case Study
Edward Kountz -
April 18, 2007


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Obopay: Mobile, Social Networkers Gain a Payments Option
Case Study
Edward Kountz -
April 18, 2007


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