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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
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=114.58円で換算しております。
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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
概要

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。

主な調査内容

  • モバイルペイメントに対する米国顧客の態度を立証するデータおよびモバイルコマース規模の予測
  • Appleおよび国家的なブランドネットワークが提供する現在のペイメントソリューションに関連した欠点・隙間のドキュメンテーション
  • 様々なトークン型モバイルペイメントスキームの利用法についてのイラスト付き説明
  • モバイルペイメントソリューションを評価する際の金融機関への質問
  • 幅広いトークン化スキームの説明およびMercator Advisory Group がそのようなスキームの下でFI (金融機関) へ推奨するペイメントメカニズムの特定

本調査で言及した企業

  • American Express
  • Apple
  • AT&T
  • Chase
  • China UnionPay
  • Discover
  • EMVCo
  • FIS
  • Google
  • JCB
  • MasterCard
  • NACHA
  • Paydiant
  • PayPal
  • Samsung
  • Softcard
  • T-Mobile
  • Verizon
  • Visa
  • Wells Fargo
目次

Research Forecasts Mobile Commerce Volume and Identifies Strategies for Filling the Gaps of Current Token-Based Payment Mechanisms

‘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.

Highlights of the report include:

  • Data documenting U.S. consumer attitudes toward mobile payments and predicting volumes for mobile commerce
  • Documentation for the drawbacks and gaps associated with the current payment solutions offered by Apple and the nationally branded networks
  • Illustrated explanation of how various token-based mobile payments schemes work
  • Questions for financial institutions to ask when evaluating mobile payment solutions
  • Description of a broader tokenization scheme and identification of the payment mechanisms Mercator Advisory Group recommends FIs consider under such a scheme

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.

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