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Bank Systems & Technology January 1, 2007 Phil Britt	Consumers Favor Cards for Payments in Increasing Numbers This past year saw a significant increase in consumers' use of debit cards and prepaid cards, while credit card usage remained strong. The trend is expected to continue, insiders say, potentially creating new revenue streams for banks.
National Real Estate Investor July 1, 2006 David Cardwell	Electronic Payments Accelerate Cash Flow Adept property managers are encouraging the use of electronic payments and customizing options to meet residents' needs. Electronic payments help close new business faster, accelerate the availability of funds, reduce delinquencies, and enhance security.
Bank Technology News May 2005 Holly Sraeel	Nonbank Payments: Are Banks Green? Yes And No. If you take cash and payments out of the equation, who needs banks?
Bank Technology News January 2007 Glen Fest	Cards: Opportunities Abound In Crowded Payments Field Although credit and debit card usage accounts for more than half of all in-store purchases, a multi-trillion dollar slice of the payments market remains for the taking.
Bank Systems & Technology February 1, 2007 Nancy Feig	Financial Institutions Must Treat Payments Processing as a Business Line to Gain Competitive Differentiation As competition in the payments space continues to heat up, more and more banks will take an enterprise-wide view of the payments business and corresponding technology.
Entrepreneur October 2006 Melissa Campanelli	Plug and Pay Credit cards aren't the only way to pay online these days.
Bank Technology News February 2004	By The Numbers Consumer payment associations are targeting the U.S., where high rates of card penetration and low levels of mobile data usage have left mobile proximity payments off merchants' and consumers' radar screens.
Bank Systems & Technology September 28, 2005 Maria Bruno-Britz	Is the End of Cash at Hand? The growing comfort with digital and wireless technologies may be largely responsible for the recent upswing in e-payments. Of course, the trend has not gone unnoticed by the financial services industry.
Bank Systems & Technology January 29, 2008 Maria Bruno-Britz	Evolving Card Business Presents Opportunities and Threats for Banks Rapid advances in technology, the recent IPOs of Visa and MasterCard, an uncertain economy, and shifting consumer behaviors all are converging to create a whirlwind of change -- and opportunity -- in the card space.
Bank Technology News December 2010 John Adams	Canadian Banks Take Debit Contactless Believing consumers are ready to abandon cash for small purchases, Scotiabank and RBC will be the first banks to put InteracFlash chips onto their debit cards in Canada.
Bank Systems & Technology May 8, 2007 Maria Bruno-Britz	Corporate Clients Inceasingly Favor Card Payments, Visa Says Banks have an opportunity to help corporate customers increase efficiencies by implementing more e-payments.
Bank Technology News June 2007 John Adams	Payments: RBS Targets U.S. for e-Payments Business It's a huge payments player in Europe, and RBS hopes its multinational payments expertise can help it win business accounts in the United States.
Knowledge@Wharton	New Payment Methods Give Old-fashioned Checks and Credit Cards a Run for Their Money Emerging technologies are currently gaining momentum while paper check usage is in decline, according to a new study by the Federal Reserve...
Bank Systems & Technology May 4, 2005 Peggy Bresnick Kendler	Cards Product innovation is key to growth in the card business, but the ability to grow without sacrificing security, speed and reliability is critical. Banks that can provide these things will achieve success.
Bank Technology News December 2007	Payments: Growth of Debit-Card Use Outpaces Credit Cards Are Americans outgrowing credit cards? For the past few years, debit-card usage has grown by double digits, far ahead of credit cards. Meanwhile, check use is fading fast.
Bank Systems & Technology August 5, 2004 Cynthia Ramsaran	Pay Now, Buy Later Card companies look at prepaid as a third category - in addition to credit and debit.
Bank Systems & Technology September 30, 2006 Maria Bruno-Britz	Information Integration Key for Banks in Consumer Payments Integrating customer information is key in order for banks to stay competitive in the consumer payments game, according to Christophe Uzureau, an analyst with Gartner.
The Motley Fool May 24, 2007 Dan Caplinger	Getting Rich on Credit Paying with plastic has simplified our lives -- but it's also made credit card companies very wealthy, and you're paying the price.
The Motley Fool February 2, 2011 Selena Maranjian	8 Million Credit Card Customers Vanish As more folks put down the plastic, will banks suffer?
Bank Systems & Technology August 13, 2009 Maria Bruno-Britz	Debit Cards 'Top of Wallet' for Consumers, Says TowerGroup The recession is impelling more Americans to turn to debit cards as a means of better controlling their spending.
U.S. Banker November 2006 Michael Sisk	A Nation of Debit-ors: Paying Now, Not Later The credit-card culture seems to be drying up, as debit-card usage skyrockets. Since debit cards are linked to checking accounts, that's good news for small banks wanting to get in on the action.
Bank Systems & Technology March 30, 2007 Maria Bruno-Britz	Retail Payments Business Moving More Toward Mobile Increasingly, banks are under pressure to provide multiple payments options to keep customers from going to the bank down the street or even to a nontraditional financial services provider.
Bank Systems & Technology March 30, 2004 Cynthia Ramsaran	MasterCard Cashes In On Recurring Payments Merchants follow the card company's lead to improve their bottom lines by cutting processing costs and increasing customer retention with automatic payments.
BusinessWeek August 4, 2010 Eichenbaum & Collins	Smartphones May Soon Replace Credit Cards AT&T and Verizon Wireless are readying a mobile payment system that could render plastic obsolete.
The Motley Fool February 27, 2008 Selena Maranjian	Higher Credit Card Rates May Be Lurking in Your Mailbox Some credit cards are quietly raising their rates. Here's what you should do.
The Motley Fool January 11, 2012 Robert Eberhard	I Will Not Use Credit Cards in 2012 After a decade in debt, the author swears off plastic for good.
Bank Systems & Technology August 15, 2008 Maria Bruno-Britz	JPMorgan Introduces Prepaid Card for Workers Comp Payments The Chase Workers Compensation Card is designed to help insurance companies gain efficiencies and to provide an alternative payments method for individuals entitled to workers compensation.
The Motley Fool April 5, 2011 Dan Caplinger	This Company Wants to Win Your Wallet The way you pay is changing. This company wants to profit from it.
Bank Systems & Technology August 6, 2009 Nathan Conz	U.S. Bank Pilots Visa payWave on Unembossed Debit Cards U.S. Bank has launched a pilot program to instantly issue unembossed debit cards with Visa payWave technology.
Bank Technology News August 2006 Glen Fest	Online Payments: New Cardless Choices Clicking PayPal and Google expect to rule the alternative online payments space, but PIN Debit and bank-backed ACH options will abound, too.
The Motley Fool August 19, 2004 Selena Maranjian	Is Cash Becoming Extinct? We're approaching a cashless society, with plastic in our pockets instead. And when we pay with plastic, we tend to spend more, so be wary.
Bank Systems & Technology June 8, 2007 Nancy Feig	Banks Need To Engage Corporate Customers To Provide Payment Solutions Banks and commercial customers need to work together to develop meaningful payments standards.
The Motley Fool June 11, 2007 Selena Maranjian	Will That Be Credit or Debit? Think twice before assuming you're using the right card.
U.S. Banker September 2007 John Adams	Payments: U.S. Targeted by RBS In e-Payments Business Royal Bank of Scotland is a huge payments player in Europe, and it expects its global multi-payments expertise will help it win online business accounts in the United States. It has a good head start.
The Motley Fool October 12, 2010 Matt Koppenheffer	Global Payments Shares Plunged: What You Need to Know Shares of payment processor Global Payments slipped more than 10% in intraday trading as investors digested worse-than-expected earnings.
Bank Technology News March 2007 John Adams	Payments: Automation is Washing Money Orders Away Prepaid cards are the new vehicle of choice among the unbanked who have long endured high money order fees. Payments firms better take note.
CRM February 29, 2012 Judith Aquino	First Data Connects Credit Cards to Offers and Loyalty Programs Although merchants are become increasingly adept at offering personalized online offers to consumers, credit cards and other payment cards have remained relatively untouched as a marketing tool. That is starting to change.
Bank Systems & Technology May 4, 2005 Cynthia Ramsaran	Co-Branded Cards Take Flight Consumers' preference for co-branded credit cards has grown significantly in the past couple of years, adding momentum to card usage, according to a recent report.
IEEE Spectrum June 2012 Mark Anderson	The High Cost of Taking Your Money Transaction costs to merchants vary wildly, depending on how you pay
Bank Systems & Technology June 25, 2007 Maria Bruno-Britz	Payment Card Business Still Offers Variety of Opportunities for Growth Control over customer relationships is pushing card business to the next level.
Bank Technology News September 2010 Michael Sisk	The Fed Gets Involved with EMV If the U.S. government mandated the switch to digital T.V., why can't it mandate that credit and debit card issuers switch from magnetic stripe cards to chip-based payment cards that require a personal identification number for additional security?
Bank Technology News December 2004 John Adams	Cards: RBC Brings Canada's Debit Culture To U.S. RBC is the first Canadian bank to offer debit card usage in the U.S. for its Canadian customers. It's a smart move considering they use debit in droves and visit the states as a matter of course.
The Motley Fool December 20, 2010 April Taylor	2 Stocks That May Spring a Leak Visa and MasterCard have benefited mightily from consumers' shift from paper to plastic, garnering fees on each transaction. Will these companies' moats survive 2011?
The Motley Fool October 19, 2007 Dan Caplinger	Reap Rewards With Debit Cards Banks that have historically kept the purse strings tight on debit card rewards have started to loosen up a bit.
BusinessWeek January 12, 2004 Dean Foust	First Data: The Power Behind The Plastic After its merger with EFS, First Data's ownership of vast electronic-payment networks will provide it with a flow of fees the other rivals to MasterCard and Visa never had.
Bank Systems & Technology March 29, 2006 Ivan Schneider	Former FTC Chair Defends Card Industry in House Testimony Merchants claim they seek transparency and competition in interchange rates.
Bank Systems & Technology October 30, 2007 Richard Winston	Mobile Wallet Will Take Time to Mature In U.S. Contactless payments are a transitional technology on the way to the anticipated wallet phone.
Bank Technology News February 2001 David Rountree	For Retail Payment On The Net, Only Tradition Is Getting Traction Credit cards rule, to be sure, but bankers understand that the Internet is about choice...
Bank Systems & Technology October 1, 2006 Nancy Feig	Contactless Payments Aim to Take a Bite Out of Small Cash Transactions The final frontier in payments is cash replacement for small transactions, according to Mark Friedman, president and CEO of Peppercoin.
Bank Technology News April 1, 2008	Consumers Heavily Prefer One Card While many consumers carry a bunch of credit and debit cards, they generally favor one card. Issuers want to know how they can be the preferred card in that person's wallet.