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米国におけるEMV:デビット規制、指令、または都合の良い時期を待つ

EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment

発行 Mercator Advisory Group, Inc. 商品コード 143179
出版日 ページ情報 英文 24 pages
納期: 即日から翌営業日
価格
こちらの商品の販売は終了いたしました。
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米国におけるEMV:デビット規制、指令、または都合の良い時期を待つ EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment
出版日: 2010年12月28日 ページ情報: 英文 24 pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当レポートは、米国におけるEMV(Europay、MasterCardおよびVISA)に関わるクレジットカード市場の現状を、カード発行業者にとってのコスト、制約、および機会に焦点をおいて調査分析し、連邦規制が米国におけるEMVの市場展開時期に及ぼす影響をまとめるとともに、POS端末交換戦略を講じているカードネットワーク、カード発行業者、および商店に対する提言を提示するなど、概略下記の構成でお届けいたします。

イントロダクション

静的データ遷移から動的データ遷移へ

EMVビジネスケースの模索

旅行者に対するEMVカードの発行

EMVに関するその他の課題

ここからどこへ向かうのか

結論

図表

目次

Abstract

Boston, MA - Payment card security shortcomings still make headlines because card data breaches continue to plague the industry. EMV is the smartcard-based technology the payment card networks have chosen as the best defense at the payment perimeter, the POS terminal. EMV has been deployed in most markets except the world' s largest card market: the USA. This new report from Mercator examines the questions "why not" and "when" for EMV.

Revealed in Mercator Advisory Group' s EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment is the relatively modest cost of EMV issuance to US passport holders. While the UN Federal Credit Union is the first financial institution to issue EMV cards, Mercator forecasts at least one major US card issuer to provide a fee-based EMV card to its high net worth, traveling clients.

"EMV technology has the lead position in securing the payments perimeter today. It' s a standard that can be deployed in contact, contactless and mobile form factors. But the constraints of cost, uncertainty over ongoing debit regulation and the impact of evolving NFC mobile payments, as well as historical card network reticence means any EMV announcement will be delayed and muted when it arrives," George Peabody, Director of Mercator' s Emerging Technologies Advisory Service comments. "We forecast another quarter or two before the starting gun fires. And even then, it will be incentives based rather than an immediate mandate."

The report focuses on the costs, constraints, and opportunities for card issuers, merchants and the card networks themselves as they all face the EMV question. It discusses the potential role of federal regulation on the timing of a US EMV rollout. The report includes recommendations for card networks, issuers and merchants planning their POS replacement strategies.

Highlights of the Report Include:

The Federal Reserve' s debit rule making injects significant uncertainty into the timing of an EMV roll-out by the card networks. Mercator forecasts an EMV "go ahead" in the first half of 2011 with merchant incentives to accelerate EMV-capable terminal deployment.

The EMV business case for individual issuers cannot overcome competing priorities and current practices around fraud losses.

In Canada, EMV terminalization has been a breakout strategy for contactless. Given mobile NFC' s rise in the US, a similar effect could be anticipated in the US market.

EMV payment card issuing costs in the USA run between $2.4B and $2.8B depending upon smartcard interface configuration, contact only or contact + contactless.

Merchants are advised to "spend the $10" for EMV capable terminals now in anticipation of an eventual EMV roll-out.

Table of Contents

  • Introduction
  • The Static to Dynamic Data Transition
  • Searching for the EMV Business Case
  • EMV Card Issuance to Travelers
  • Other Concerns with EMV
  • Where Do We Go From Here?
  • Conclusion

Table of Figures

  • Figure 1: In Gray, the Gaping Hole in the EMV Ship
  • Figure 2: EMV - Multiple Form Factors, Multiple Authentication Methods
  • Figure 3: Static to Dynamic Data with Sources
  • Figure 4: Canadian Debit Fraud Going in the Wrong Direction
  • Figure 5: Fraud Losses on UK Cards are Dropping
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