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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 Systems & Technology September 17, 2008 Maria Bruno-Britz	Banks Missing Out on $5bn Revenue Opportunity in Expedited Payments Banks will essentially lose the payments franchise to billers, says Javelin Strategy & Research, if they don't take advantage of the opportunities around expedited payments.
Bank Systems & Technology November 29, 2004 Cynthia Ramsaran	Banks Face Reduced Payments Profits Transactions will increase, but margins will decline.
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 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.
Bank Systems & Technology October 31, 2008 Maria Bruno-Britz	Commercial Business May be Silver Lining for Banks in Credit Crunch Banks better ramp up business on the wholesale side if they wish to make a buck in the current economic environment.
The Motley Fool September 23, 2005 Stephen D. Simpson	Little Percentages Add Up Electronic payment processing is a repeatable business, and Global Payments reaps the benefits. Investors, there a lot of ways to play this profitable and promising sector.
CRM September 8, 2015 Dan Moultrie	Financial Institutions Should Bank on Knowing Their Customers Finding out what customers want, and how they prefer to interact, is to key to profitability.
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 January 1, 2007 Maria Bruno-Britz	Study: Banks Need New Ways to Gauge Customer Payment Preferences A recent study shows behavior models can help financial institutions understand clients better and can improve their competitive position in the payments business..
Bank Technology News April 2008 James Van Dyke	Security Worries for P2P Mobile Mobile person-to-person payments and transfers (mobile P2P) offer an important potential income-generating step for financial institutions, if the can overcome the security concerns that worry would-be users.
Bank Technology News May 2009 Mike Reagan	Time is Now For Payments Convergence Payments account for as much as a third of commercial bank revenue, and that makes one message clear: The payments business is directly influential to the bottom line.
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.
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 10, 2004 Cynthia Ramsaran	Rock, Scissors, Plastic There will be a rise in plastic payments in 2004 because of the availability of more merchants accepting credit, analysts say.
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.
Bank Technology News February 2011 John Adams	Analyze Payments, Get More Money Payments have always been a pipeline to the wallet, but Sandy Spring Bank plans to wield the latest data management tools and analysis to use "paying" as a window to the customer's financial services soul.
Bank Systems & Technology March 12, 2009 Maria Bruno-Britz	Deutsche Bank's GTB Offers Mobile Payments, Hires Emerging Payments Chief Deutsche Bank has teamed with Luup to enable the bank's global transaction banking clients to provide consumers with mobile payments and money transfer functionality. It also hired Ron van Wezel to oversee emerging payments.
The Motley Fool November 7, 2011 Morgan Housel	Goodbye, Debit Card Fees. What's Next? Still no free lunches in banking.
The Motley Fool August 31, 2005 Stephen D. Simpson	A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it.
The Motley Fool September 22, 2006 Stephen D. Simpson	A Closer Look at Bank Stocks Learn the secrets of investing in this often-intimidating sector.
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.
The Motley Fool July 19, 2010 Morgan Housel	3 Things You Need to Know About Bank Stocks Two wins, one loss.
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.
FDIC FYI May 25, 2004 Neil Murphy	The Impact on U.S. Banking of Payment System Changes Although the much-heralded check-less society has yet to arrive, major changes are underway in retail non-cash payment systems. Today's issue of FYI surveys the implications of the rising use of electronic payments.
Bank Systems & Technology August 30, 2005 Ivan Schneider	The United Banks of Europe How do you take the payments networks of 25 European Union countries - each with its own set of banking institutions, regulators and laws - and knit them together for clearing and settlement? Very carefully.
Bank Systems & Technology November 1, 2006 Katherine Burger	Debate Down Under The most-significant challenges facing the banking industry are the following: Consolidation of payments infrastructures; how banks [can] create new payments products; margin compression; and the threat of new entrants, which is driving innovation.
Bank Technology News October 2008 John Adams	Banks Can Get Quick Fees for Fast Payments Many banks will likely adopt expedited electronic payments over the next year or so. Consumers pay a fee that's a fraction of a late penalty in exchange for having a bill removed from his or her checking account balance in real time.
Bank Systems & Technology February 1, 2007 Esther Pigg	Meeting the Corporate Challenge With corporate customers challenging their financial institutions to provide a more-integrated, end-to-end array of payments origination, information management, clearing and dispute resolution solutions, 2007 will be an exciting time in the U.S. payments industry.
The Motley Fool March 29, 2011 Dan Caplinger	Say Goodbye to These Tightwads Banks eliminate debit-card rewards. What are they thinking?
U.S. Banker April 2010 Maria Aspan	Get Cash for Not Using Cash In pushing debit cards, banks are more willing to take short-term losses to encourage long-term behavior change. The goal is lasting interchange income.
AskMen.com Terence Channon	Online Banking Your bank may offer you access to more services online than you think -- services that might make your life a whole lot easier if you use them properly.
U.S. Banker January 2011	11 Big Ideas for 2011 How are forward-thinking banks reducing overhead, developing new revenue sources and deepening relationships with their customers? Here s what will get bankers attention in the year ahead.
Bank Systems & Technology December 23, 2007 Maria Bruno-Britz	U.S. Mobile Financial Services Still Needs Operating Model With mobile banking on the rise in the U.S., institutions still are challenged to find the best operating model.
Bank Systems & Technology April 25, 2008 Nancy Feig	Enterprise Payments Architectures Are Gaining Ground at Banks The aim of an enterprise payments architecture is to leverage technologies and services across the payments business and throughout the entire organization.
Bank Systems & Technology February 11, 2009 Katherine Burger	ACH Transaction Volume Grew in 4th Quarter of 2008 The number of ACH payments in the 4th quarter 2008 grew by 4.5 percent over the same period in 2007
The Motley Fool April 18, 2006 Stephen D. Simpson	U.S. Bancorp Rides Fees to Growth Interest income performance isn't great, but U.S. Bancorp's strong fee structure does its part. Though the stock may not be quite as cheap as banks like Wachovia or SunTrust, it's still a very well-run bank.
Bank Systems & Technology September 15, 2009 Maria Bruno-Britz	Sibos News: Bank of America Introduces New Payments Hub Global PAYplus uses technology from Fundtech to help BofA's clients have a more consistent, flexible online payments experience.
U.S. Banker January 2010 Marian Raab	The Other Underbanked Bank of America, TD Bank and others are devising ways to move entrepreneurs hiding out in retail platforms into more profitable relationships.
Bank Systems & Technology August 30, 2005 Maria Bruno-Britz	Commercial Payments: From Many, One All the major players - banks, corporations, regulators and vendors - are attempting to standardize and simplify the commercial payments process. But, everyone seems to have a different idea as to the best way to do so.
Bank Director 2nd Quarter 2010 Chris Costanzo	10 Top Technologies for Banking A roundup of the freshest ideas that are changing the technological face of financial services.
The Motley Fool September 26, 2007 Ryan Fuhrmann	Foolish Forecast: The Ledger on Global Payments In advance of Global Payments first-quarter results, analysts hope the payment processor firm has overcome the growth concerns of the past year.
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 July 2010 Rebecca Sausner	New Channel Stars Take the Stage Jeff Dennes, executive director of mobile money and movementatUSAA, is about as close as mobile banking comes to having a rock star.
Bank Systems & Technology January 5, 2009 Charles Kohler	Banks In Europe Must Turn Attention to PSD Financial institutions are relying on payment processing as a principal profit driver. However, many European payments providers will find this core transaction banking business under intense pressure from the requirements of the Single Euro Payments Area and the Payment Services Directive.
Bank Systems & Technology July 6, 2010 Matt Gunn	Chase Adds Remote Deposit Capture, P2P Payments to iPhone App The Chase Mobile for iPhone and iPod touch app also lets users pay bills and credit cards, transfer money between accounts and now make payments to others through transactions triggered by email.
CFO October 1, 2008 Yasmin Ghahremani	Cash, Credit, or Cell Phone? Mobile payments may soon change the way Americans buy.
U.S. Banker October 2006 Lee Conrad	New Industry Index Aims to Quantify The Progress of Corporate Payments Companies still make most of their payments with paper checks, but new VICOR-commissioned research suggests a major change is afoot. Restless bankers are more than ready.
FDIC FYI March 25, 2004	The Evolving Role of Commercial Banks in U.S. Credit Markets A careful analysis of U.S. financial sector data shows that banks' share of the financial services market has not shrunk to the extent that is commonly asserted. Moreover, banks have assumed leading roles in providing some of the newer types of financial services products, such as credit card securitizations and mortgage banking services.
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.