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Kamis, 12 November 2015

The Payments Ecosystem Explainer - A must read if anything you do touches payments

BI Intelligence

Here at BI Intelligence (Business Insider's premium research service) we strive to deliver easily consumable in-depth analysis to help forward-thinking business professionals stay ahead of the latest trends and industry research. Our team regularly delivers key insights on today's most relevant topics in the digital landscape.

A top trend over the last year, for example, has been the ongoing growth of the payments industry which has a wide-ranging impact for everyone in the digital space. The BI Intelligence team has covered this topic exhaustively and we are ready to share with you everything you need to understand about this complex and rapidly evolving space.

Every morning we deliver insight like this to thousands of professionals just like you via our daily INSIDER newsletters. Our five daily INSIDER newsletters cover the most important topics in your digital industry: mobile, digital media, e-commerce, payments and the Internet of Things.

Today we are offering you an exclusive opportunity to gain FREE access to The Payments Ecosystem Explainer, one of our most popular research reports, when you try any of our INSIDER newsletters. Here's a summary of what you'll find when you receive your complimentary copy of this report that ordinarily retails for $395:

In this report, the BI Intelligence Payments Team offers a high-level look at the payments industry — how it functions, who the key companies are, and the trends shaping the industry. We start by explaining payment-card processing, since the majority of consumer payments and transaction volume flow through this system. From there we take a look at how consumers' move to mobile devices is changing the way we pay, and which companies stand to benefit.

Here are a few of the key takeaways from the report:

  • The ecosystem for credit- and debit-card processing involves a complicated set of companies interacting to process every transaction. Five types of companies are involved: acquirers/processors, issuers, card networks, gateway providers, and independent sales organizations (ISOs).
  • To process a typical transaction, three steps must occur: authorizing, batching, and funding. Each participant in this process takes a fee off of the total volume of a transaction. The remainder is deposited in a merchant's account.
  • Three trends will shape the payment-card-processing ecosystem from 2015 onward: the EMV security migration, rapid development of new payment technologies, and the massive card-fraud problem in the US. While none of these developments will completely upend the incumbent system for processing payments, each will disrupt key companies.
  • The mobile point-of-sale (mPOS) is going to have a massive impact on the payments-hardware and payments-software industry. By 2019, we forecast that nearly 80% of US retailers will have implemented a mPOS device. The move to mPOS will continue to put pressure on hardware providers that compete directly against mPOS devices, as well as ISOs that sell legacy devices to merchants.
  • While the payment-card-processing system as a whole isn't in danger, the proliferation of mobile devices will have a significant effect on the way we pay.

In full, this valuable 22-page report:

  • Provides 9 infographics and diagrams explaining how card transactions are processed and which companies are involved in each step.
  • Analyzes the key trends and forces that will shape the payments industry going forward.
  • Details how mobile is shaping 5 types of consumer payment technologies and which companies to watch for within each category.
  • Explains everything you need to understand about this complex and rapidly evolving space.

This report can be yours for free as a bonus download with your INSIDER newsletter subscription. We are so confident that you will love our daily INSIDER newsletters that we are willing to give you this exclusive offer:

Sign up for any of our INSIDER newsletters today and the Payments Ecosystem Explainer originally valued at $395 will be yours for FREE. Even better, if you're not completely satisfied with your INSIDER newsletter experience you can cancel within the first two weeks and get your money back.

Act Now: Get the Payments Ecosystem Explainer with your INSIDER newsletter subscription today »

Sincerely,
The BI Intelligence Team

PS. This is an exclusive offer only available for a limited time. Act now and start your day with the INSIDER newsletters, covering the latest news and trends in digital media, e-commerce, mobile, the Internet of Things, and payments. Sign up now and receive your free download of the Payments Ecosystem Explainer »

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