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(The following files require Adobe Acrobat)

ATM

    A new generation of ultra-smart, multi-function ATMs have been promised for the better part of a decade. New card, messaging and presentation technology seems to promise a self-service utopia for consumers. But banks and other ATM deployers will have to think through their strategies carefully. What needs will drive the new technology, what kind of ATM is going to develop where, and why?
    Adobe Acrobat required The ATM Grows Up (98 KB)
    Banks have invested considerable resources is creating robust retail electronic funds transfer networks to service their automated teller machines and point-of-sale terminals. With pressure on margins and costs in all areas, an opportunity exists to upgrade these under-utilised networks at relatively little additional cost to handle new types of traffic and deliver new services that can considerably increase margins.
    Adobe Acrobat required Top Up Your EFT Margins

Smart Cards/EMV

    EMV contains considerable potential for additional fraud reduction that can enable banks to keep up with ever-changing fraud patterns and activities, yet many have overlooked it. The standard EMV smart card contains a wealth of currently unexploited data which,  when analyzed, can help reduce fraud even further.
    Adobe Acrobat required Dynamic Risk Management with EMV Data
    Almost all of the 45 million EMV cards issued in 2005 carried only a single application and offered only simple functionality. Recent initiatives are making more use of the EMV infrastructure, expanding functionality and reducing costs. This document investigates a number of the initiatives that are encouraging issuers to regain their enthusiasm for EMV, including card scheme initiatives, the Single Euro Payments Area (SEPA) and EMVCo initiatives.
    Adobe Acrobat required New EMV Initiatives: Will EMV Issuers Be Able To Cope?
    In the changing payment card market, customer service is a key differentiator. The handling of disputed transactions is an integral part of card management and a major driver of customer satisfaction and retention. How can banks implement innovative solutions to ensure their dispute management systems are cost effective, coordinate with their risk strategies and prevent customer attrition?
    Adobe Acrobat required The Importance of Automated Dispute Management in an Increasingly Complex Card Market

Fraud Detection

    Innovative banks have found that technology identifying the so-called "point of compromise" (POC) is an important consideration in the fight against card fraud. This article explains why POC identification must be more widely adopted and should be accorded greater importance.
    Adobe Acrobat required Preventing Card Fraud is More Effective Than Curing It
    Although many institutions — particularly the large national and international financial institutions — have already adopted enterprise risk management approaches, others are still using reactive rather than proactive methods of risk monitoring and detection.
    Adobe Acrobat required Taking Risk Managment From the Silo Across the Enterprise
    Measuring the success of financial institutions’ fraud department is anything but straightforward. The traditional method has been to aim for a reduction in losses and a low false-positive ratio. Learn how institutions came to depend on false-positives and how to put them in the proper context.
    Adobe Acrobat required The Fall of the False Positive

Mobile Payments

    Banks have invested considerable resources is creating robust retail electronic funds transfer networks to service their automated teller machines and point-of-sale terminals. With pressure on margins and costs in all areas, an opportunity exists to upgrade these under-utilised networks at relatively little additional cost to handle new types of traffic and deliver new services that can considerably increase margins.
    Adobe Acrobat required Top Up Your EFT Margins

Retail Payments

    The mid 90s saw a wave of CRM investments and a gradual shift from a product-centric to a customer-centric mode of operation across the retail banking sector. Many banks are struggling to achieve a 360º view of the customer as well as a lack of coordination between distribution channels and product silos when it comes to customer interaction. Learn why Datamonitor expects a swift return to concentrated channel integration efforts across the retail banking industry.
    Adobe Acrobat required Channel Integration -- Why It Matters in Retail Payments (192 KB)
    This paper from Dove Consulting examines consumer payment preferences and habits, offering insights into which methods they use, how they perceive various payment methods and how their behavior will change in the future.
    Adobe Acrobat required Consumer Payment Preferences (162 KB)
    The growing acceptance of pre-paid cards among governments, businesses and consumers presents an opportunity for banks, alongside the major card networks, to identify new segments of the market that can benefit from the pre-paid format.
    Adobe Acrobat required Growth in Pre-Paid Cards Bring New Opportunities
    Today's electronic payment systems are modeled on the paper-based systems that have been in place for centuries. But pressures from regulators, corporations, consumers and shareholders, as well as the sheer growth in electronic payments, are forcing banks and other payments processors to rethink these payment systems and
    the technology that drives them.
    Adobe Acrobat required Payment Systems of the Next Decade -- The Drive to Convergence
    Innovative banks have found that technology identifying the so-called "point of compromise" (POC) is an important consideration in the fight against card fraud. This article explains why POC identification must be more widely adopted and should be accorded greater importance.
    Adobe Acrobat required Preventing Card Fraud is More Effective Than Curing It
    With organisations involved in card payments entering the latest stage on the road to Payment Card Industry (PCI) Data Security Standards compliance, we examine the current state of play and ask how organisations can turn ‘yet another level of compliance’ into a real opportunity that benefits businesses and customers alike.
    Adobe Acrobat required Profiting from PCI Compliance
    Established retailers look for ways to integrate sales, marketing and support at all points of customer contact. Secure payments, EBPP and smart cards are part of the plan.
    Adobe Acrobat required The Multi-Channel Challenge (1.3 MB)

E-Commerce

    Retail banks are finding their profit margins in payments increasingly squeezed. Competitive pressure, a changing regulatory environment and global initiatives to fight fraud are all factors contributing to this. This article explores some of the key drivers contributing to this situation and discusses the options faced by banks going forward.
    Adobe Acrobat required Business drivers and technology strategy in retail payments (176 KB)
    Multiple authentication systems create a number of problems for banks, and these problems will continue to increase as technologies advance. But by thinking creatively about the role of authentication in a multi-channel environment, organisations can begin to leverage these technologies as key to reduce risk and raise customer service.
    Adobe Acrobat required Common Authentication – Reducing Risk and Raising Customer Service (128 KB)
    Financial Insights evaluated several providers' ability to deploy enterprise payment systems for financial institutions. Their comparison shows ACI in the strongest position overall based on product competitiveness and ability to execute.
    Adobe Acrobat required Financial Insights Report on Enterprise Payments
    Electronic payment transactions total 210 billion annually and will double by the end of the decade. This ACI-sponsored study examines growth rates by payment type and country across a majority of the global economy.
    Adobe Acrobat required Global Electronic Payments Market Study and Forecast
    The growing acceptance of pre-paid cards among governments, businesses and consumers presents an opportunity for banks, alongside the major card networks, to identify new segments of the market that can benefit from the pre-paid format.
    Adobe Acrobat required Growth in Pre-Paid Cards Bring New Opportunities
    The establishment of a Single Euro Payments Area (SEPA) will have wide-ranging impacts on the payments business. Read about the opportunities and challenges created by the SEPA initiative.
    Adobe Acrobat required SEPA - From Discussion to Action
    Progressive banks are exceeding customer expectations and growing their business margins by developing new payment systems without abandoning their existing infrastructure.
    Adobe Acrobat required The Future of Payment Systems (244 KB)
    Banks have invested considerable resources is creating robust retail electronic funds transfer networks to service their automated teller machines and point-of-sale terminals. With pressure on margins and costs in all areas, an opportunity exists to upgrade these under-utilised networks at relatively little additional cost to handle new types of traffic and deliver new services that can considerably increase margins.
    Adobe Acrobat required Top Up Your EFT Margins

Other

    The growth of e-commerce has exposed weaknesses in the way card transactions are typically processed. How can e-commerce providers reduce their exposure to risk?
    Adobe Acrobat required 3D Security (191 KB)
    Retail banks are finding their profit margins in payments increasingly squeezed. Competitive pressure, a changing regulatory environment and global initiatives to fight fraud are all factors contributing to this. This article explores some of the key drivers contributing to this situation and discusses the options faced by banks going forward.
    Adobe Acrobat required Business drivers and technology strategy in retail payments (176 KB)
    The mid 90s saw a wave of CRM investments and a gradual shift from a product-centric to a customer-centric mode of operation across the retail banking sector. Many banks are struggling to achieve a 360º view of the customer as well as a lack of coordination between distribution channels and product silos when it comes to customer interaction. Learn why Datamonitor expects a swift return to concentrated channel integration efforts across the retail banking industry.
    Adobe Acrobat required Channel Integration -- Why It Matters in Retail Payments (192 KB)
    This paper from Dove Consulting examines consumer payment preferences and habits, offering insights into which methods they use, how they perceive various payment methods and how their behavior will change in the future.
    Adobe Acrobat required Consumer Payment Preferences (162 KB)
    Retail delivery architectures are under close scrutiny. Financial service organizations are dealing with cross-border and cross-continent issues. There is a better and more efficient way to deliver services in the new economy.
    Adobe Acrobat required Designing for the Future (451 KB)
    Financial Insights evaluated several providers' ability to deploy enterprise payment systems for financial institutions. Their comparison shows ACI in the strongest position overall based on product competitiveness and ability to execute.
    Adobe Acrobat required Financial Insights Report on Enterprise Payments
    Electronic payment transactions total 210 billion annually and will double by the end of the decade. This ACI-sponsored study examines growth rates by payment type and country across a majority of the global economy.
    Adobe Acrobat required Global Electronic Payments Market Study and Forecast
    The growing acceptance of pre-paid cards among governments, businesses and consumers presents an opportunity for banks, alongside the major card networks, to identify new segments of the market that can benefit from the pre-paid format.
    Adobe Acrobat required Growth in Pre-Paid Cards Bring New Opportunities
    Two major, high-level trends will impact European banking and payments during 2007: increased regulatory intervention and increased competitive pressures. These trends will also drive banks’ strategies for the SEPA migration period and beyond. This research study conducted in late 2006 assessed how advanced French banks were with SEPA preparations.
    Adobe Acrobat required Implementing SEPA: Insights from the French Market
    Today's electronic payment systems are modeled on the paper-based systems that have been in place for centuries. But pressures from regulators, corporations, consumers and shareholders, as well as the sheer growth in electronic payments, are forcing banks and other payments processors to rethink these payment systems and
    the technology that drives them.
    Adobe Acrobat required Payment Systems of the Next Decade -- The Drive to Convergence
    With organisations involved in card payments entering the latest stage on the road to Payment Card Industry (PCI) Data Security Standards compliance, we examine the current state of play and ask how organisations can turn ‘yet another level of compliance’ into a real opportunity that benefits businesses and customers alike.
    Adobe Acrobat required Profiting from PCI Compliance
    The establishment of a Single Euro Payments Area (SEPA) will have wide-ranging impacts on the payments business. Read about the opportunities and challenges created by the SEPA initiative.
    Adobe Acrobat required SEPA - From Discussion to Action
    The retail banking industry is under pressure to control and reduce costs. Learn how to effectively utilize new delivery channels to lower costs, attract new customers and maximize returns on existing customers. (Fall 2007)
    Adobe Acrobat required The Future of Retail Banking
    In the changing payment card market, customer service is a key differentiator. The handling of disputed transactions is an integral part of card management and a major driver of customer satisfaction and retention. How can banks implement innovative solutions to ensure their dispute management systems are cost effective, coordinate with their risk strategies and prevent customer attrition?
    Adobe Acrobat required The Importance of Automated Dispute Management in an Increasingly Complex Card Market
    Banks have invested considerable resources is creating robust retail electronic funds transfer networks to service their automated teller machines and point-of-sale terminals. With pressure on margins and costs in all areas, an opportunity exists to upgrade these under-utilised networks at relatively little additional cost to handle new types of traffic and deliver new services that can considerably increase margins.
    Adobe Acrobat required Top Up Your EFT Margins
 


 
   
 
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