Home ›

News & Insights

MOBILE COMMERCE & ALTERNATIVE PAYMENTS: SPECIAL EDITION NAVIGATOR

ALSO IN THIS ISSUE
Overview of Our Mobile Commerce & Alternative Payments Practice
First Annapolis has been advising clients on emerging payment products and technologies since the late 1990s when prepaid, P2P, and Internet payments were in vogue. In the last three years our Mobile Commerce & Alternative Payments Practice has been focused almost exclusively on the impact of mobile across the payments landscape. Our client experience spans most of the major constituents in the mobile value chain including:  issuers,...

IN THE NEWS
By Charles Marc Abbey
National Merchants Revisited


RESEARCH REPORTS
2011 Mobile Person-to-Person (P2P) Payments Study
The report provides unique insights into how leading providers of P2P services are leveraging mobile technology and capabilities to offer market-competitive mobile P2P offerings.
2011 U.S. Merchant Acquirer Pricing Survey
The 2011 Acquirer Pricing Study is a data intensive look at pricing rates and strategies for small merchants (<$10 million in annual volume) and provides unique insights into how banks are currently pricing small merchants.
2010 Mobile Banking and Payments Study
The report is the first data-intensive study of its kind and will provide unique insights into how banks currently leverage mobile as a new channel to reach consumers.
PAST ISSUES OF THE NAVIGATOR

 

JANUARY 2012 Navigator

Interview with the President of Alliance Data Retail Services, Melisa Miller
Melisa Miller is President of Alliance Data’s Retail Services business, one of three subsidiaries that roll up under the Alliance Data parent company (NYSE: ADS). With over 90 branded credit programs delivered in partnership...
The Evolving Merchant Offer Network Landscape
Over the past few years, Merchant Offer Networks (MONs) have evolved in parallel with the proliferation of mobile devices and advancements in POS and offer distribution technologies.Traditional white labeled merchant networks...
Using Credit Risk Exposure in Merchant Acquiring Risk Management
Defining merchant risk exposure In merchant acquiring, credit risk represents the acquirer’s loss potential or contingent liability in the event of chargebacks that the merchant is unable to fund. In the normal course of...
The E-commerce Premium in Merchant Acquiring
E-commerce is continuing to constitute an important segment for acquirers with substantial performance advantages over other segments. Acquirer net spread is higher on e-commerce merchants than on physical, brick and mortar...
Chances Are, You Got Carded…Perhaps in a Digital Way
Gift cards continued to be one of the most desired and purchased presents this holiday season. According to the National Retail Federation, approximately 8 out of 10 consumers planned to purchase at least one gift card during...
Payments Industry Stock Price Tracker
Figure 1 is the January Payments Industry Stock Price Tracker.  The chart measures current stock prices and market caps (as of January 23, 2012) and changes over the last 30 days as well as year-to-date (from January...

 

DECEMBER 2011 Navigator

Interview with Discover Networks’ Kevin O’Donnell
Kevin O’Donnell is the Vice President of Credit Issuance for Discover Network, a business unit of Discover Financial Services, and is responsible for Discover Network’s credit issuing partner management and business development. ...
Why Building Balances Matter
Credit card balance-building efforts are not new, but behavioral economics may provide further evidence as to why they are relevant. Credit card issuing banks earn the majority of their card revenue from charging interest....
Green Dot Makes Significant Strategic Move
Green Dot has much to be thankful for this holiday season, as the Federal Reserve Board approved the company’s bid to purchase Bonneville Bancorp.  Green Dot is expected to close on the Provo, Utah bank acquisition...
The Early Read on Holiday Retail Sales Is Mixed
As is the case every holiday season, all industry eyes are on retail sales and recent National Retail Federation forecasts point to a 3.8% increase over 2010.  While standard retail sales metrics remain top of mind,...
The CFPB Releases a Prototype Credit Card Agreement and New Study on Consumer Complaints
The Consumer Financial Protection Bureau (CFPB) released a credit card agreement “prototype” on December 7th as part of its “Know Before You Owe” campaign to help consumers better understand the credit agreements...
First Annapolis Estimates Debit Growth
While the recent enactment of legislation regulating interchange fees has materially affected the profitability of debit for issuers, we expect debit volume growth in the U.S. to remain strong.  First Annapolis developed...
Payments Industry Stock Price Tracker
Figure 1 is the December Payments Industry Stock Price Tracker.  The chart measures current stock prices and market caps (as of December 15, 2011) and changes over the last 30 days as well as year-to-date movements. ...


Copyright 2012 First Annapolis Consulting
Site Map   |   Privacy Policy   |   Terms & Conditions