The fact that 88.5 million Americans attempted to open an account online or with a mobile device in the past 12 months underscores how far digital account opening has come in a few short years....
In 2012, online retail payments reached 7.4% ($318 billion) of all retail transactions. The thriving online market is an increasing target for fraudsters, particularly with EMV, or “Chip and PIN,”...
Mobile bankers are valuable customers: rich, young, and flush with profitable bank products and services. The products and services are saving financial institutions money — as the number of...
Contemporary research on the financial impact of data breach events has focused on costs to businesses and institutions, but largely ignored their effect on the consumers whose personally...
The dynamics of the card-issuing business — and, in turn, those of the banking industry — have changed dramatically in recent years as an array of economic, regulatory, and governmental factors and...
As smartphones and tablets become increasingly cost-effective and powerful, mobile POS (point of sale) acceptance is posing a growing threat to traditional terminal-based solutions and vendors....
At 92.6% of total U.S. retail dollar volume, the point of sale (POS) retail market towers above the online market and will continue to do so for years to come. But the growing popularity of the...
With the expansion of electronic and mobile commerce, consumers and businesses have broadened their expectation of “always on” immediacy to incorporate payments. No longer is two-day or even next-day...
In 2012, account takeover and new-account fraud each rose by approximately 50% over the previous year. These two fraud types impact consumers most severely, and they are historically more difficult...
When it comes to paying bills, too often the nation’s 37 million underbanked Americans do it using hard and costly ways: in cash, and in person, by mail, or by phoning call centers. This creates an...

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