透過輸入PIN碼及簽名執行的金融卡結帳：因應EFT網路新市場的對策 是由出版商Mercator Advisory Group, Inc.在2006年07月所出版的。
這份英文市場調查報告書包含26 pages & 12 Exhibits. 價格從美金2950起跳。
在過去8年內金融卡產業呈現大幅度的成長。雖然透過簽名的金融卡結帳的成長率從2003年的21%些許降到2005年的18%，但是輸入PIN碼的金融卡結帳則彌補其不足，從35%（2003年）成長到38%（2005年）。
專門於以信用卡為首之消費者付款技術相關調查的英國市調公司 Mercator Advisory Group, Inc. ，針對透過輸入PIN及簽名完成的金融卡結帳之現況與針對EFT網路新市場的對策進行調查分析，經系統整理調查結果後出版報告書 "Extending The PIN: Evaluating The Growth of EFT Networks Into New Markets" 。
本報告書內容包括：消費者對於利用需要輸入PIN碼之金融卡的態度及輸入PIN用終端設備的採用傾向分析、線上交易及分期付款、業者因應無需接觸和簽名的結帳方式等新環境之對策的評價等。內容綱要摘記如下：
第1章 序章
第2章 消費者對於利用需要輸入PIN碼之金融卡的態度
- 消費者對於安全性及方便性的追求
- 對於金融卡安全性之意見的變化
- 行銷
- 方便性
第3章 輸入PIN碼用終端設備的採用傾向
第4章 網路購物
第5章 分期付款
第6章 取代現金及小額付款
- 小額交易成為輸入PIN碼金融卡結帳的障礙
- 大規模的無需接觸市場
第7章 現在單一的電子資金交易環境會出現分岐嗎
第8章 總論
圖表
- 經由簽名及輸入PIN碼的金融卡結帳方式對市場成長的貢獻
- 透過POS系統了解消費者偏好金融卡轉帳的結帳方式
- 因為安全性和方便性，使得消費者會去利用
- 近年來受到詐欺及資料流失的事件的影響
- 金融卡發行企業：貶低利用PIN碼的評價，推動簽名的方式
- 與無需簽名、無需接觸之結帳方式的競爭
- 因應PIN碼輸入的POS機器的利用率持平
- 網路的銷售業績急遽上昇
- 在網路上信用卡的利用最受歡迎
- 1兆4000億美元的分期付款
- 根據EFT（電子金融轉帳）網路的規定，使得無需PIN碼的金融卡結帳變得可能
- 各種EFT（電子金融轉帳）網路
Abstract
The debit industry has seen significant growth over the last eight years,
while signature debit growth is down ever so slightly from 21 percent in 2003
to 18 percent in 2005. PIN debit has more than compensated with growth rates
between 35 to 38 percent in the same time period. As a result of these two
spectacular increases, debit transactions either already have, or will very
soon, exceed credit transactions.
Despite debit's incredible growth in volume terms Mercator Advisory Group
believes that the EFT networks that enable PIN debit are approaching a
critical juncture. Signature debit, while currently facing a slightly slowing
growth rate, is also the only debit solution fully enabled and successfully
entering several new emerging markets, such as eCommerce, recurring bill
payments, and those markets where cash is being displaced using Contactless
and signature-less solutions. Left unchecked the increased growth in internet
and mobile payments and cash replacement will occur primarily at the expense
of growth in EFT transactions. This will be of some concern if these new
markets grow as quickly as proponents hope. It is important to note that we
are talking about future markets and the relative market share of transaction
types in these emerging environments.
This report evaluates the consumer preference for debit instruments today, how
these preferences can be shifted by the popular press and the payment industry
itself, the targeting of three new markets by card associations for future
growth: 1) online transactions, 2) recurring bill-pay environments, and 3)
Contactless/signatureless environments intended to displace low-value cash
transactions, and issues that make it difficult for EFT network operators to
react unilaterally to enter these same evolving markets; and therefore, make
co-operative plays related to technology standards and implementation a real
consideration.
Tim Sloane, Director of the Debit Service for Mercator Advisory Group and the
author of the report indicates that despite strong growth rates across the
board for debit, EFT network operators may need to start establishing plans to
target these same markets.
Table of Contents
1. Introduction
2. Evaluating Consumer Perspective On PIN Debit
- Consumers Select On Safety & Convenience
- Popular Opinion Of Debit Safety Is Changing
- Marketing
- Convenience
3. Has PIN Debit Terminal Deployment Hit A Plateau?
4. Internet Purchases
5. Recurring Bills
6. Cash Replacement and Micro Payments
- Why Low Value Transactions Challenge PIN Debit
- The Larger Contactless Market
7. Will Today's Flat EFT Environment Fragment?
8. Conclusions
TABLE OF FIGURES
- Figure 1: Signature & PIN Debit Contribute To Rapid Debit Growth Rates
- Figure 2: Consumers Prefer Debit at the POS Over Other Payment Types
- Figure 3: Consumers Pick Debit For Its Security and Convenience.
- Figure 4: Recent Fraud & Data Loss Have Generated Bad Press for Debit Cards
- Figure 5: Issuers Damage Reputation Of PIN Debit To Promote Signature Over
PIN.
- Figure 6: PIN Debit Will Compete With Signature-less And Contactless
Solutions.
- Figure 7: Installation of PIN Capable POS Devices Levels Off
- Figure 8: Internet Sales Are Increasing Rapidly.
- Figure 9: Consumers Greatly Prefer Credit Cards For Payments Over the
Internet.
- Figure 10: $1.4 Trillion in Recurring Payments Offer a Debit Growth
Opportunity
- Figure 11: PIN-Less Debit For Bill Payment Is Enabled by EFT Network Rules
- Figure 12: EFT Networks By Total PIN Volume Over Time - Interlink is
Gaining!
