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EMV、Token、Apple Pay、行動應用程式相關銀行的策略方向性定義

Defining a Strategic Path for Banks Regarding EMV, Tokens, Apple Pay, and Mobile Apps

出版商 Mercator Advisory Group, Inc. 商品編碼 330759
出版日期 內容資訊 英文 30 pages
商品交期: 最快1-2個工作天內
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EMV、Token、Apple Pay、行動應用程式相關銀行的策略方向性定義 Defining a Strategic Path for Banks Regarding EMV, Tokens, Apple Pay, and Mobile Apps
出版日期: 2015年05月21日 內容資訊: 英文 30 pages

本報告提供許多銀行導入Apple Pay的理由相關的消費者調查結果,預測行動商務規模,再加上關於Apple Pay的引進所創造的間隙鑑別,為了填補這些間隙金融機關採取的各種方法評估彙整,構築最小化風險的策略性計劃。


  • 對於行動付款證實美國客戶態度的資料及行動電子商務規模的預測
  • Apple及國家性品牌網路提供的目前付款解決方案相關缺點、間隙的文檔
  • 各種權標型行動付款方案的利用法相關的附插圖說明
  • 估價行動付款解決方案時對金融機關的問題
  • 廣泛權標化方案的說明及Mercator Advisory Group 在那樣的方案下推薦FI (金融機關) 的付款機制的識別


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

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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