EMV・Token (トークン) ・Apple Pay・モバイルアプリケーションに関する銀行の戦略的方向性の定義
Defining a Strategic Path for Banks Regarding EMV, Tokens, Apple Pay, and Mobile Apps
|発行||Mercator Advisory Group, Inc.||商品コード||330759|
|出版日||ページ情報||英文 30 pages
|EMV・Token (トークン) ・Apple Pay・モバイルアプリケーションに関する銀行の戦略的方向性の定義 Defining a Strategic Path for Banks Regarding EMV, Tokens, Apple Pay, and Mobile Apps|
|出版日: 2015年05月21日||ページ情報: 英文 30 pages||
当レポートでは、多くの銀行がApple Payを導入する理由についての消費者調査結果を示し、Mコマース規模を予測し、さらにApple Payの導入が生み出す隙間について特定しており、これらの隙間を埋めるために金融機関が取る各種アプローチの評価をまとめ、リスクを最小化する戦略的プランを構築しています。
‘Defining a Strategic Path for Banks Regarding EMV, Tokens, Apple Pay, and Mobile Apps’ presents consumer research evidence for why most banks will adopt Apple Pay, forecasts m-commerce dollar volume out to 2025, and identifies the gaps that Apple Pay adoption creates, including the lack of ATM support and the inability to enable payments in the banks' existing mobile application. The report evaluates different approaches financial institutions can take to fill these gaps while also establishing a strategic plan that minimizes risk by establishing gap-filling relationships that may also offer a second-source supplier for mobile payments.
While banking institutions and other organizations are anxious to provide mobile payment capabilities to their most profitable customers, it is imperative they find the right strategic path in a difficult and highly complex mobile payment marketplace that is being targeted by multiple industries and large corporations within those industries. In particular, financial institutions must recognize that tokenization will span more than just card networks. The institution must consider a tokenization strategy that will protect the consumer's account number, not just the PAN, for all external communications, which includes person-to-person (P2P) payments, bill pay, ACH, and all other external interactions.
“The need for the protection implemented by tokenization far exceeds the reach of any single payment implementation, so financial institutions should consider this strategy that incorporates various payment mechanisms and suppliers under a broader tokenization scheme,” comments Tim Sloane, VP, Payments Innovation, and author of report.
One of the exhibits included in this report:
This report is 30 pages long and contains 8 exhibits.
Companies mentioned in this report include: American Express, Apple, AT&T, Chase, China UnionPay, Discover, EMVCo, FIS, Google, JCB, MasterCard, NACHA, Paydiant, PayPal, Samsung, Softcard, T-Mobile, Verizon, Visa, and Wells Fargo.