Reference: Mobile payment industry in china 2012-2015 C. Keiko Funahashi
Referenced in presentation, "The Seven Wonders of China's Mobile World"
http://www.slideshare.net/ckeikofunahashi/m-learncon-session-907-ckeikofunahashi
Mobile Wars: Fintech vs. Banks... and Big Tech in AmbushKatia Bazzocchi
Pure mobile banks gain users daily, as they benefit from accessible smartphone technology. Millenials are the principal users of mobile banks, and will soon be followed by Generation Z. As consumer expectations continue to be shaped by new technology and innovative consumer affairs, a full mobile strategy is key for traditional banks to maintain market share.
Beyond Payment - E-Commerce Trends and Payment Challenges for Online Merchant...Lawrence Cheok
Written with e-commerce finance professionals in mind, this paper provides insights and recommendations for businesses interested in expanding their e-commerce operations internationally. It relates to online merchants needing to look beyond the web front-end and consider additional factors like back-office operations and banking infrastructure. Payment options discussed include e-wallets and mobile wallets, e-banking, and escrow payments, which are gaining favor in developing markets like China
Reference: Mobile payment industry in china 2012-2015 C. Keiko Funahashi
Referenced in presentation, "The Seven Wonders of China's Mobile World"
http://www.slideshare.net/ckeikofunahashi/m-learncon-session-907-ckeikofunahashi
Mobile Wars: Fintech vs. Banks... and Big Tech in AmbushKatia Bazzocchi
Pure mobile banks gain users daily, as they benefit from accessible smartphone technology. Millenials are the principal users of mobile banks, and will soon be followed by Generation Z. As consumer expectations continue to be shaped by new technology and innovative consumer affairs, a full mobile strategy is key for traditional banks to maintain market share.
Beyond Payment - E-Commerce Trends and Payment Challenges for Online Merchant...Lawrence Cheok
Written with e-commerce finance professionals in mind, this paper provides insights and recommendations for businesses interested in expanding their e-commerce operations internationally. It relates to online merchants needing to look beyond the web front-end and consider additional factors like back-office operations and banking infrastructure. Payment options discussed include e-wallets and mobile wallets, e-banking, and escrow payments, which are gaining favor in developing markets like China
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
Highlights of the Tecnocom Report: Trends in payment instruments 2014The Cocktail Analysis
Here you have a brief summary of the Tecnocom report on payment instruments that we carried out last year, along with AFI (Analistas Financieros Internacionales), with data referred to LatAm and Spain.
The World Payments Report 2012 shows a healthy 7.1% gain in non-cash payments volume globally. But volume is only part of the story for the payments market, which is growing and changing in new and exciting ways. Payments continue to grow amidst volatility and increasing regulation, however the payments instrument mix is evolving fast and will never be the same.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
From our local office at Beijing, we are glad to release an introduction to the Chinese Internet Market.
With the chinese economy still growing fast, the internet market has experimented an incredible growth in recent years. And what is more promising, every analysis foresee what is seems to be an unprecedented boom for the years to come.
Mobile Wallets In China: What You Need To Know Mark Opao
Sooner or later, mobile wallets will become a norm rather than a trend in the way we do payments in China, online or offline. In this report we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know- including the prominent wallet types, usage trends, key challenges and future prospects.
The Fintech industry which is the backbone of all economies has also been impacted because of Covid. What are the implications of Covid to an important sector?
Bank innovation - PwC Study on When the Growing Gets Tough: How Retail Banks ...Jeff Grill
As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. For more information see http://www.pwc.com/us/en/financial-services/publications/viewpoints/viewpoint-when-the-growing-gets-tough.jhtml
After years of stagnation following the financial crisis, the banking and financial services industry is seeing positive momentum, though there are still challenges ahead.
Industry employment grew at its strongest rate since 2006, up 1.9 percent year-over-year, though it remains 3.7 percent below the pre-recession peak. As firms focus on further improvement, core strategies across the board are to continue to rein in expenses, and increase revenue through organic growth.
Flip through this presentation to see the key trends we see impacting the banking and financial services industry today, and where we see it going in coming year. For more information, visit http://bit.ly/1BMQoJg
Gen Y consumers will earn 46% of the income in the United States by 2025, but they’re often misunderstood or ignored by financial services providers. This is especially true when it comes to online and mobile behavior and attitudes toward traditional banking.
Understanding this problem and designing to overcome it is critical to our work at Comrade, so we’re pleased to have partnered with Javelin Strategy & Research to publish “The Three Costliest Myths about Gen Y". This report applies consumer data to dispel the myths circulating in financial services today about Gen Y consumers. Beyond exposing pervasive misconceptions, it also explains how to optimize digital and physical touchpoints to attract tomorrow’s most profitable bank customers.
Highlights of the Tecnocom Report: Trends in payment instruments 2014The Cocktail Analysis
Here you have a brief summary of the Tecnocom report on payment instruments that we carried out last year, along with AFI (Analistas Financieros Internacionales), with data referred to LatAm and Spain.
The World Payments Report 2012 shows a healthy 7.1% gain in non-cash payments volume globally. But volume is only part of the story for the payments market, which is growing and changing in new and exciting ways. Payments continue to grow amidst volatility and increasing regulation, however the payments instrument mix is evolving fast and will never be the same.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
From our local office at Beijing, we are glad to release an introduction to the Chinese Internet Market.
With the chinese economy still growing fast, the internet market has experimented an incredible growth in recent years. And what is more promising, every analysis foresee what is seems to be an unprecedented boom for the years to come.
Mobile Wallets In China: What You Need To Know Mark Opao
Sooner or later, mobile wallets will become a norm rather than a trend in the way we do payments in China, online or offline. In this report we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know- including the prominent wallet types, usage trends, key challenges and future prospects.
The Fintech industry which is the backbone of all economies has also been impacted because of Covid. What are the implications of Covid to an important sector?
Bank innovation - PwC Study on When the Growing Gets Tough: How Retail Banks ...Jeff Grill
As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. For more information see http://www.pwc.com/us/en/financial-services/publications/viewpoints/viewpoint-when-the-growing-gets-tough.jhtml
After years of stagnation following the financial crisis, the banking and financial services industry is seeing positive momentum, though there are still challenges ahead.
Industry employment grew at its strongest rate since 2006, up 1.9 percent year-over-year, though it remains 3.7 percent below the pre-recession peak. As firms focus on further improvement, core strategies across the board are to continue to rein in expenses, and increase revenue through organic growth.
Flip through this presentation to see the key trends we see impacting the banking and financial services industry today, and where we see it going in coming year. For more information, visit http://bit.ly/1BMQoJg
Product Brochure: Mobile Wallet Profiles 2019: Apple Pay, Google Pay, Samsung...yStats.com
Product Brochure with summarized information of our publication "Mobile Wallet Profiles 2019: Apple Pay, Google Pay, Samsung Pay".
Find more here: https://www.ystats.com/market-reports/mobile-wallet-profiles-2019-apple-pay-google-pay-samsung-pay/
An overview of the mobile wallets in China, we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know-including the prominent wallet types, usage trends, key challenges and future prospects.
BRIC Online Payment Methods Report 2013 - First Half 2013 by yStats.comyStats.com
The recent „BRIC Online Payment Methods Report 2013 – First Half 2013“ report by Hamburg-based secondary market research company yStats.com provides information about the movement toward online and mobile purchase transactions.
Sample Report: North America Online Payment Methods 2019yStats.com
Free Report Samples for our publication " North America Online Payment Methods 2019".
Find the full report available for purchase at: https://bit.ly/3LTgIw5
Sample Report: Europe Online Payment Methods: First Half 2016yStats.com
Free Report Samples for our publication "Europe Online Payment Methods: First Half 2016".
Find the full report available for purchase at: https://ystats.com/shop/europe-online-payment-methods/
Sample Report: Global Online Payment Methods: First Half 2016yStats.com
Free Report Samples for our publication "Global Online Payment Methods: First Half 2016".
Find the full report available for purchase at: https://www.ystats.com/wp-content/uploads/2016/09/20160922_Product-Brochure-Order-Form_Global-Online-Payment-Methods_First-Half-2016.pdf
Sample Report: Global Online Payment Methods: First Half 2016yStats.com
Free Report Samples for our publication "Global Online Payment Methods: First Half 2016".
Find the full report available for purchase at: https://www.ystats.com/product/global-online-payment-methods-first-half-2016/
Sample Report: Global Online Payment Methods: Second Half 2015yStats.com
Free Report Samples for our publication "Global Online Payment Methods: Second Half 2015".
Find the full updated 2021 report available for purchase at: https://ystats.com/shop/global-online-payment-methods-2021-post-covid-19/
Sample Report: Global Online Payment Methods: Full Year 2014yStats.com
Free Report Samples for our publication "Global Online Payment Methods: Full Year 2014".
Find the full updated 2021 report available for purchase at: https://ystats.com/shop/global-online-payment-methods-2021-post-covid-19/
Fear and favoring of digital currency
The Economist Intelligence Unit, commissioned by Crypto.com, exploring the extent to which digital payments are trusted by consumers and what barriers may exist to basic monetary functions becoming predominantly electronic or digital.
Sample Report: Europe Online Payment Methods: Second Half 2015yStats.com
Free Report Samples for our publication "Europe Online Payment Methods: Second Half 2015".
Find the full updated 2021 report available for purchase at: https://ystats.com/shop/europe-online-payment-methods/
Sample Report_Latin America Online Payment Methods 2021 Post COVID-19 _by ySt...yStats.com
-What is the Number of Cashless Transactions in 2020, 2025f & 2030f globally?
-What are the Top Devices Used For the Purchase of Products/Services Online in Latin America?
-What are the Top Payment Methods Used When Shopping Online via a Mobile in 2021 in Brazil?
For answers find the full report available at:
https://ystats.com/shop/latin-america-online-payment-methods-2021/
Sample Report: North America Alternative Online Payment Methods: Full Year 2016yStats.com
Free Report Samples for our publication "North America Online Payment Methods: Full Year 2016".
Find the full updated 2020 report available for purchase at: https://bit.ly/3lVVVxc
The payments and currency systems are on the verge of disruption. Payments are getting digitized and going mobile, wearable and biometric, while the rise of cryptocurrencies is prompting new ideas about what currency can be. Millennials, not wedded to the status quo when it comes to money, will drive this shift. This report takes a look at the myriad new ways to pay and how the concept of currency is evolving to encompass everything from bitcoin to social media shares. We also spotlight how disruption is opening the way for new players to act as middlemen between consumers and their money, along with results of a survey exploring U.S. and U.K. consumer attitudes toward payments and currency.
Note: This is an abridged version of the 62-page report. Go to JWTIntelligence.com/trendletters to download the full report at no cost.
Similar to Alternative Payment Systems in the U.S., 2nd Edition (20)
Lottery is banned in various states in the US mainly due to its impacts on the society. The purchase of lottery can be addictive, hence impacting the livelihood of many. However, due to easier ROI, the demand for lottery has increased. Higher jackpot values have raised the demand for tickets with larger jackpot amount in state lotteries of the US. This lures casual players into the game as they buy the lottery tickets only when the prize is highly attractive. A large audience was attracted to the prize money of $100 million in 2013. However, due to the influence of jackpot fatigue, the lottery vendor's revenue flow is restricted as fewer people are buying lottery tickets, which is affecting the growth of the market in the country. With jackpot fatigue creeping in the US lottery market, prize amount as high as $300 million is expected to fetch more players.
Domestic Bedroom Furniture Market Report – UK 2016-2020 AnalysisMarketResearch.com
Domestic Bedroom Furniture Market Report 2016-2020, assesses the market for bedroom furniture, which has followed an interesting path in recent years, experiencing a period of volatility, which has included reasonable growth in 2014 followed by more modest performance in 2015. The report examines the various aspects driving change in the industry and assesses the likely future prospects for the sector through to 2020.
Fleet management (FM) is an ambiguous term used in reference to a wide range of solutions for different vehicle-related applications. Berg Insights definition of a fleet management solution is a vehicle-based system that incorporates data logging, satellite positioning and data communication to a backoffice application. The history of fleet management solutions goes back several decades. On-board vehicle computers first emerged in the 1980s and were soon connected to various satellite and terrestrial wireless networks. Today, mobile networks can provide ubiquitous online connectivity in many regions at a reasonable cost and mobile computing technology delivers very high performance, as well as excellent usability. All of these components combined enable the delivery of vehicle management, transport management, driver management and mobile workforce management applications linking vehicles and enterprise IT systems.
Cuba - Telecoms, Mobile, Broadband and Digital Media - Statistics and AnalysesMarketResearch.com
Normalisation of relations with the US lifts restrictions in telecom equipment importsCuba still has the lowest mobile phone and internet penetration rates in the region, and is also among the lowest for fixed-line teledensity. Fixed-line and mobile services remain a monopoly of the government-controlled Empresa de Telecomunicaciones de Cuba (ETESCA Cubacel).
Circulating Tumor Cell, Cell Free DNA, Exosome and Vesicle Cancer Diagnostic ...MarketResearch.com
A revolution in cancer diagnostics is occurring using in vitro blood testing to identify cancer DNA. GRAIL, a new company with impressive backing, has announced a single blood test to detect all cancers. The technology is moving faster than the market. New technology that definitively identifies disease conditions from blood samples is poised to replace expensive invasive surgical biopsy procedures. The market is still in its infancy but has outstanding growth potential. The impact on the health care industry is enormous. The report forecasts the market size out to 2020. In addition, the report looks at potential market sizes by country, by cancer and by the three different opportunities: detection, management and screening.
The Automotive industry is going through a phase of digitalization. Five years down the line, vehicles would be transformed into communication objects. 24*7 connectivity access is the need of the hour, as people wish to stay connected with the outer world even while travelling in their vehicles. This task of transforming a vehicle into a connectivity device is a crucial challenge faced by automobile manufacturers. Use of 3G and 4G internet services for providing connectivity in vehicles would help transform cars into smart portable devices. New hi-tech devices, smart phones, high-speed internet, various applications & open sources such as android systems have transformed the concept of connected vehicles.
In-Flight Wi-Fi is a revolutionary service that enables people to remain connected and updated with the latest activities all across the globe even while travelling above 3,000 meters in the air. The global in-flight Wi-Fi connectivity market is projected to register a substantial compound annual growth rate (CAGR) of 14.50% over the forecast period.The global in-flight Wi-Fi market is likely to be fuelled by increasing number of commercial aircrafts all over the world, which are anticipated to reach to 40,020 by 2032.
IoNT is a network of nanoscale devices, sensors, and machines integrated into everyday physical objects that are connected to the Internet for effective data communication. It improves operational efficiency by increasing the pace of communication over the existing infrastructure and enhances business productivity in any industrial setup. IoNT focuses on improving the process capabilities by expanding the data storage and computing capacity at the basic sensor level. The IoNT is embedded with nanotechnology allowing integration of nanoscale devices with the existing communication infrastructure and the Internet. It creates smart communication environments, such as smart homes, smart shopping, smart transportation, and smart healthcare. The IoNT can efficiently monitor and manage many interconnected nanoscale devices.
Customer Experience (CX) in Physician and HCP EngagementMarketResearch.com
Customer Experience Management: What are the essential ingredients for delivering a successful CX programme?
All in it together? There is a tendency for pharma to think in silos - how can this be challenged to deliver coherent company-wide customer communications?
Same goal, different needs: How can pharma meet the differing content and communication preferences of physicians and other healthcare professionals?
Something different: How will high levels of customer satisfaction differentiate your product in a crowded market place and encourage wider use?
Getting it wrong: Why do so many digital initiatives fail to engage physicians and HCPs?
Wider support: How can stakeholders work with pharma to create a mutually beneficial customer experience?
Global Open Loop Prepaid Cards Market Intelligence, Innovation, Strategy, and...MarketResearch.com
In the last few years, open loop prepaid cards have transformed the global payments landscape in more ways than ever imagined. Use of the card category has evolved from a tool promoting financial inclusion among the unbanked and underbanked population to a payment method delivering convenience and security to consumers across various segments. Consumers continue to demand greater functionality in their open loop prepaid cards which is resulting in innovations across the card category globally. This report discusses market drivers and innovations of major open loop prepaid card categories – general purpose reloadable cards, travel cards, payroll cards, government benefit cards, and gift cards.
Connected Sports and Fitness Apparel, Smart Footwear, Fashion Apparel, Baby and Pregnancy Monitors, Heart Rate Monitors, Headbands, Posture Monitors, 3D Trackers, Wrist Devices, Movement Sensors, and Wearable Patches: Market Analysis and Forecasts Smart clothing and body sensors can be considered the ultimate wearables, something that integrates into your life as a garment, footwear, or a sensor device that can track or measure a specific physiological or biometric attribute. Unlike fitness trackers, smart watches, or smart glasses, which have fairly well-defined form factors and use cases, smart clothing and body sensors are seeing a greater degree of experimentation and innovation in use cases. The applications for smart clothing and body sensors span multiple domains including sports, consumer, healthcare, public safety, industrial, and enterprise. The market for smart clothing and body sensors is developing rapidly, although the body sensors market is likely to be larger in the long run due to a wider variety of device types and application markets. Healthcare is expected to be one of the biggest drivers for body sensors, particularly connected wearable patches, but other key application markets will include consumer, sports, enterprise, and industrial. Tractica forecasts that total shipments of smart clothing will grow from 968,000 units in 2015 to 24.8 million units in 2021. Meanwhile, body sensor shipments are expected to increase from 2.7 million in 2015 to 68.0 million units annually by 2021.
Global Telecoms - The Big Picture 2016 and Key Industry StatisticsMarketResearch.com
This report provides a summary of key trends for the global telecoms sector as well as an overview of developments at a regional level. This valuable report also includes recent key statistics for the overall global telecoms industry as well as statistics for the mobile, mobile broadband, Internet, satellite and fixed broadband sectors. It also includes a ranking of the top telcos (2014) as well as global telecoms and mobile CAPEX and revenue.
Companies in this industry design and publish computer software. Major companies include US-based Activision Blizzard, Adobe Systems, IBM, Microsoft, Oracle, Salesforce.com, and Symantec, as well as Dassault Systemes (France), The Sage Group (UK), and SAP (Germany).Global revenue from sales of packaged software is about $430 billion per year, according to International Data Corporation. The US is the worlds top software-producing country in terms of revenue; other major producers include Germany, the UK, and Japan. Many US-based software companies outsource some of their production work to other countries due to the high cost of domestic labor.The US computer software industry involves about 9,000 establishments (single-location companies and units of multi-location companies) with combined annual revenue of about $170 billion.
The market for green household cleaning products in the U.S grew at a blistering pace between 2007 and 2010, cooled off, and actually declined from 2010 to 2014 at a compound annual growth rate (CAGR) of 2%. Packaged Facts estimates total retail sales, including both household cleaners and laundry products, at $600 million in 2014. The green market remains a niche, accounting for about 3% of the total household cleaner and laundry product market.
Functional Foods: Key Trends by Product Categories and BenefitsMarketResearch.com
An overview of the Functional Foods: Key Trends by Product Categories and Benefits report. Within the vibrant U.S. functional food and beverage market, weight management and satiety, sports nutrition, and energy are areas showing exceptional activity, in part due to the growth of products and categories targeting breakfast and snacking occasions. As a result, important shifts in brand positioning, benefits and product claims are taking place.
An overview of the Human Capital Management Market by Solution report. Human Capital Management Market by Solution (Core HR, Workforce Management, Compensation Management, Performance Management, Recruiting, Learning Management, Employee Collaboration and Engagement), by Industry Verticals , & by Region - Global Forecast to 2019
Power Packaging Technology Trends and Market ExpectationsMarketResearch.com
An overview of Power Packaging Technology Trends and Market Expectations report. In this report you will find detailed descriptions of standard power module packaging designs. There are special focuses on each part: substrate, thermal interface materials, baseplate, encapsulation, die attach and interconnection. Both technological and marketing points of view are considered. Technological innovations are presented, and market metrics and forecasts are given for each part.
Natural and Organic Foods and Beverages in the U.S., 4th EditionMarketResearch.com
An outline of the Natural and Organic Foods and Beverages in the U.S., 4th Edition report which examines sales and growth potential, identifying key issues and trends that will affect the marketplace through 2019. The report also analyzes and profiles major marketers and retailers, examines marketing and new product trends, and tabulates consumer attitudes and behaviors toward natural/organic foods and beverages and the corresponding retail shopping patterns. Numerous tables, charts, graphs, and illustrations highlight and reinforce key points.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
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Alternative Payment Systems in the U.S., 2nd Edition
1. Get more info on this report!
Alternative Payment Systems in the U.S., 2nd Edition
June 1, 2011
There has been a gold rush into alternative payments from prospectors seeking to dig
up the next PayPal. But as with past gold rushes, there have been many claims with few
successes. Despite history’s lessons, with every new “gold rush” come new hopes of
striking a rich consumer vein. It is all enough to make one’s head spin trying to parse
out the various payment types and business models.
In addition, the alternative payments landscape is morphing, particularly in the eyes of
consumers. It is no longer just the underlying mechanism that is important—equally
important is the consumer perception of the payment. What’s more, mobile payments (a
subset of alternative payments), are quickly becoming a viable platform ready to
explode with merchant and consumer adoption forever changing the payments
landscape.
In this second-edition of The Alternative Payment Systems Industry in the U.S.,
Packaged Facts presents an in depth examination of the U.S. alternative payments
business. The report presents the size and growth of the market and puts it in context to
both the business-to-consumer (B2C) ecommerce market and the total “consumer”
payments market including card payments and electronic payments (online bill
payment). Special regard is given to the activity of top players and the varied upstarts,
particularly in mobile payments, hoping to steal share and further alter the old school
payments paradigm. Major key competitors are profiled, along with a focused analysis
of consumer payment demographics and preferences.
Note: Packaged Facts defines alternative payments as entirely electronic and
predominantly conducted over the Internet though not all are conducted through the
ACH network. Generally, alternative payments exclude all forms of paper and any debit
or credit card where the purchase or remittance is made directly with that medium. The
most common alternative payments are consumer-to-business purchases and peer-to-
peer, also referred to as person-to-person (P2P) payments.
Research Methodology
These report data were obtained from government sources, trade associations and
publications, business journals, company literature, investment reports and interviews of
industry players. In most cases, market data span the 2006-2010 period.
2. TABLE OF CONTENTS
Chapter 1: Executive Summary
Report Scope
Alternative Payments Part of Overall Payments Industry
Paper Payments
Card Payments
Electronic Payments
Alternative Payments Defined
Methodology
Alternative Payments Market Data and Sources
Consumer Spending Data and Sources
Business-to-Consumer Revenues Defined
Consumer Spending Comparison to Business-to-Consumer Revenues
Payments Market Data and Sources
Overlap Between Card and Electronic Payments
Card Payment Data and Sources
Electronic Payment Types by Code Used for Electronic Payment Market
Alternative Payments Market Size and Growth
Figure 1-1: Total Alternative Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
“Pure Play” Alternative Payment Dollar Volume
Figure 1-2: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $,
percent)
Card-Funded Alternative Payment Dollar Volume
Figure 1-3: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
3. Total Alternative Payment Dollar Volume to Reach $127 Billion
Figure 1-4: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (billions $,
percent)
“Pure Play” Alt Pay Dollar Volume Forecast to $53 Billion
Figure 1-5: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010
(billions $, percent)
Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion
Figure 1-6: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
Competitive Landscape
Endless Alternative Payment Schemes
Peer-to-Peer and Direct Payments
Table 1-1: Selected U.S. Alternative Payment Competitors by Primary Scheme:
P2P and Direct Payment Processors, 2011
Delayed Billing, Recurring Payments and Layaway Schemes
Table 1-2: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Non-Card Credit, Delayed, and Recurring Billing, 2011
Mobile Payments
Table 1-3: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Mobile Payments, 2011
eWallets
Table 1-4: Selected U.S. Alternative Payment Competitors by Primary Scheme:
eWallets, 2011
Payment Competitors Goals Shift Dramatically
Mobile Will Bridge Online and Offline
In the Meantime, PayPal Continues to Dominate
Selected Alt Pay Competitive Activity
Mobile Payments Promise Still Unmet
4. Consumers & Merchants Stuck in a Rut
Apple May Jumpstart Mobile Payments
Consumer and Merchant Tool in One
iTune Accounts Points to Strong Potential Consumer Base
Customer Adoption of Mobile
Select NFC Mobile Alt Pay Activity
Marketplace Trends
Economic Crisis Not So Bad For Alt Pay
PCE, Card Spending Down, but Alt Pay Up 12%
Figure 1-7: U.S. Gross Domestic Product and Personal Consumption
Expenditures, 2000-2010 (billions $)
By 2010 Everyone on the Rebound
Signs of Economic Improvement
Consumers Continue Warming to Electronic Alt Pay
Greener Attitudes
Cards Still Dominate but Alt Pay Making Strides
Card Networks and Issuers Feel the Heat
PayPal Open to Real World
MasterCard Introduces a Plan Similar to PayPal X
Bill Me Later Supplants Card Issuers
Google Casts a Large Shadow
Checkout by Amazon Simplifies
Nacha’s Secure Vault Payments Catches a Big Fish
Social Media Enters the Fray
Virtual Goods Purchase Increasing
Merchants Still Lagging in Offering Alt Pay
Mobile Pay Marketplace Trends
Increase in Smartphones Signals Mobile Payments Time
5. Chaotic for the Foreseeable Future
Mobile Payments Bring Alt Pay Offline
Millenials Will Drive Mobile Pay
PayPal Currently in Leadership Position
Banks Shouldn’t Miss the Opportunity
Mobile Pay loves iPhone
Start-ups Getting Foot In Door
Consumer Protections Challenged by Mobile Payments
Is Mobile Alt Pay the End for Cash, Check and Credit Cards?
Consumer Usage and Profile
Consumers Continue Shifting Away from Paper Payments
Table 1-5: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)
Online Payments Far Outstrip Card Payments
Alternative Payment Brand Focus: PayPal Penetration Stalling?
Selected Demographics Profiles
Online Bill Pay Users Have Prized Characteristics
Recession Effect on Gen-Y
Women May Now be Leading Edge in Payments
Asians and West Coast Pop for Use
The Trifecta: Educated, White-Collar and Home Owners
Table 1-6: Demographic Characteristics by Forms Always and Sometimes Used:
Online Bill Payment, 2010 (index)
Stark Contrast between Online Payment and Check User Profile
Table 1-7: Demographic Characteristics by Forms Always and Sometimes Used:
Check, 2010 (index)
PayPal User Profile Aligns with Online Payment Profile
Indications that Women Are Prime PayPal Users
Asians and West Coast Pop for Use
6. PayPal Users are Educated, Financially above Average, White-Collar and Home
Owners
Table 1-8: Demographic Characteristics of PayPal Users: Last 7 Days and last
30 Days, 2010 (index)
Connection between Internet Usage and Income
Figure 1-8: Comparison of Broadband Access at Home, Cell Phone Ownership,
and Internet Usage by Income Brackets of General Population, 2010
Chapter 2: The Market
Report Scope
Alternative Payments Part of Overall Payments Industry
Paper Payments
Card Payments
Electronic Payments
Alternative Payments Defined
Methodology
Alternative Payments Market Data and Sources
Consumer Spending Data and Sources
Business-to-Consumer Revenues Defined
Consumer Spending Comparison to Business-to-Consumer Revenues
Payments Market Data and Sources
Overlap Between Card and Electronic Payments
Card Payment Data and Sources
Electronic Payment Types by Code Used for Electronic Payment Market
eCommerce Market Size and Growth
Total B2C eCommerce Tops $332 Billion
Figure 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2006-2010 (in billions $)
Table 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2006-2010 (in billions $)
7. Figure 2-2: Share of Business-to-Consumer eCommerce Revenue, by Retail and
Service Sectors, 2006-2010 (percent)
eCommerce Growth Increases Penetration of Consumer Spending
Figure 2-3: Penetration of Business-to-Consumer eCommerce Revenues to Total
Business-to-Consumer Revenues by Retail and Service Sectors, 2006-2010
(percent)
The Evolving Payments Market
A Market in Flux as Technologies Change
Electronic Payments Begin to Rival Cards
Electronic Payments Growth Eclipses Card Payments…Sort of
Electronic Payments at $3.7 Trillion in 2010
Total Card Payment Dollar Volume
Figure 2-4: Total Consumer Electronic Payment Dollar Volume and Percentage
of Total Business-to-Consumer Revenues, 2006-2010 (trillions $, percent)
Figure 2-5: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer Revenues, 2006-2010 (trillions $, percent)
Table 2-2: Total Card Payment Dollar Volume and Percentage of Total Business-
to-Consumer Revenues, 2006-2010 (billions $, percent)
Payments Mix in U.S. Elusive
Figure 2-6: U.S. Business-to Consumer Revenues Payments Mix, 2010 (percent)
Alternative Payments Market Size and Growth
Alternative Payment Dollar Volume
Share Gains Hit Double Digits
Figure 2-7: Total Alternative Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
PayPal Accounts for Bulk
Figure 2-8: PayPal and Bill Me Later Combined Share of Total U.S. Alternative
Payment Dollar Volume, 2010 (%)
Pure Play Alternative Payment Dollar Volume
8. Figure 2-9: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $,
percent)
Card-Funded Alternative Payment Dollar Volume
Figure 2-10: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
Economic Recession Effect on Alternative Payments
Modest Positive Growth in Spite of Economic Woes
Table 2-3: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010
(billions $, percent)
Figure 2-11: Share of Alternative Payment dollar Volume by Funding Source:
Non-Card versus Card Funded, 2006-2010 (percent)
Market Forecast
eCommerce Market Forecast to Hit $647 billion by 2015
Muted Economic Recovery to Keep Growth Modest
Retail eCommerce Growth Faster Than Service
Growth May Pick Up in 2012
Beyond 2012 Picture Murky
Figure 2-12: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2010-2015 (in billions $)
Table 2-4: Total Business-to-Consumer eCommerce Revenue, by Service and
Retail Sectors, 2000-2007 (in billions $)
Electronic Payments to Hit $5.2 Trillion
Figure 2-13: Total Consumer Electronic Payment Dollar Volume and Percentage
of Total Business-to-Consumer Revenues Forecast, 2010-2015 (percent)
Card Payments Near $4.6 Trillion
Figure 2-14: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer Revenues Forecast, 2010-2015 (percent)
Table 2-5 Total Electronic & Card Payment Dollar Volumes and Total B2C
Revenues, 2006-2010 (billions $, percent)
Total Alternative Payment Dollar Volume to Reach $127 Billion
9. Slower Economic Rebound Slows Payment Growth
PayPal Remains the Leader
Figure 2-15: Total Card Payment Dollar Volume and Percentage of Total
Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (percent)
Mobile Payments Emerging
Mobile Payment Outlook
“Pure Play” Alt Pay Dollar Volume Forecast to $53 Billion
Figure 2-16: Total Pure Alternative Payment Dollar Volume and Percentage of
Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010
(billions $, percent)
Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion
Figure 2-17: Total Card Funded Alternative Payment Dollar Volume and
Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010
(billions $, percent)
Table 2-6: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010
(billions $, percent)
Chapter 3: Competitive Landscape
A Note on Chapter Scope
Elastic Marketplace
Will Further Stretch
Endless Alternative Payment Schemes
Peer-to-Peer and Direct Payments
Table 3-1: Selected U.S. Alternative Payment Competitors by Primary Scheme:
P2P and Direct Payment Processors, 2011
Delayed Billing, Recurring Payments and Layaway Schemes
Table 3-2: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Non-Card Credit, Delayed, and Recurring Billing, 2011
Mobile Payments
Table 3-3: Selected U.S. Alternative Payment Competitors by Primary Scheme:
Mobile Payments, 2011
eWallets
10. Table 3-4: Selected U.S. Alternative Payment Competitors by Primary Scheme:
eWallets, 2011
Payment Competitors Goals Shift Dramatically
Mobile Will Bridge Online and Offline
In the Meantime, PayPal Continues to Dominate
Bill Me Later Joins PayPal, Loses Amazon.com
American Express Quells Revolution
Revolution Hype
Revolution Lacked of Focus or Compelling Benefit
Revolution’s Uphill Battle
Conceding Defeat
American Express Launches Serve
Is Google Checkout Checking Out?
AdWords and Checkout Growing Pains
Google Making a Play?
See What Sticks
Visa, MasterCard Still Eager to Be in the Game
Visa Nabs CyberSource
MasterCard Answers with DataCash
Visa Enters Gaming Payments Market
Mobile Payments Promise Still Unmet
Confusion Reigns
Consumers & Merchants Stuck in a Rut
Catch-22 of Acceptance
Apple May Jumpstart Mobile Payments
34 NFC-Related Patents
Consumer and Merchant Tool in One
iTune Accounts Points to Strong Potential Consumer Base
11. Customer Adoption of Mobile
Nokia Phones to Have NFC
Google Thinking Mobile with Android
Isis a Viable Threat
Apple’s Edge is Branding and Loyalty
Cards and Banks Sticker Efforts Nearly Non-Threatening
Merchant Adoption of NFC Remains Unclear
Card Networks Made Some Strides
Apple Already Testing NFC for Small Biz
Again, Things Change Quickly
Google Developing Special Cash Register?
Is This Just a Classic Rivalry at Work?
Imagine a World with Apple Payments
Conservative Estimate at $820 Million Online in 2012
Figure 3-1: Potential Apple, Inc. Payment Platform Gross Dollar Volume by
Online and Offline Purchases, 2012-2015 (millions $)
Table 3-5: Potential Apple, Inc. Payment Platform Gross Dollar Volume by Online
and Offline Purchases, 2012-2015 (millions $)
Multiple Players May Create Critical Mass in Mobile Payment Adoption
Chapter 4: Selected Corporate Profiles
PayPal, Bill Me Later (eBay, Inc.)
PayPal, Bill Me Later Performance
Payments Revenues
Figure 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction
Revenues and Payment Dollar Volume Take Rate, 2006-2010 (millions $, %)
Table 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction
Revenues and Year-over-Year Percentage Change, 2006-2010 (millions $, %)
Transactions
12. Figure 4-2: PayPal and Bill Me Later Combined Global Total Payment
Transaction Volume and Average Revenue per Transaction, 2006-2010 (millions,
$)
Table 4-2: PayPal and Bill Me Later Combined Global Total Payment
Transactions and Average Revenue per Transaction ($), 2006-2010 (in millions)
Dollar Volume
Figure 4-3: PayPal and Bill Me Later Combined Global Total Payment Dollar
Volume and Average Dollar Value per Transaction ($), 2006-2010 (in billions $)
Table 4-3: PayPal and Bill Me Later Combined Global Payment Dollar Volume
and Average Value per Transaction, 2006-2010 (millions $, $)
U.S. Payment Dollar Volume
Figure 4-4: PayPal and Bill Me Later Combined U.S. Total Payment Dollar
Volume and Percentage of Total U.S. Alternative Payment Dollar Volume, 2006-
2010 (in billions $)
Table 4-4: PayPal and Bill Me Later Combined U.S. Payment Dollar Volume and
Year-over-Year Percentage Change, 2006-2010 (millions $, $)
Active Accounts
Figure 4-5: PayPal and Bill Me Later Combined Global Total Active Accounts and
Average Number of Transactions per Active Account, 2006-2010 (millions, no.)
Table 4-5: PayPal and Bill Me Later Combined Global Active Accounts and
Average Transactions per Active Account, 2006-2010 (millions $, $)
PayPal Volume
Figure 4-6: PayPal Total Global Dollar Volume and Share of Total eBay
Payments Dollar Volume, 2006-2010 (billions $, %)
Bill Me Later Volume
Figure 4-7: Bill Me Later Global Dollar Volume and Share of Total eBay
Payments Dollar Volume, 2006-2010 (millions $, %)
Table 4-6: PayPal and Bill Me Later Global Payment Dollar Volume and
Combined Payment Dollar Volume on a Pro Forma Basis, 2006-2010 (millions $,
$)
Amazon Payments
FaceCash
Google Checkout
13. mFoundry
Obopay
PayNearMe, Inc
PlaySpan, Inc.
PlaySpan Performance
Figure 4-8: PlaySpan, Inc. Revenue, 2006-2010 (millions $)
Secure Vault Payments
Zong, Inc.
Other Alternative Payment Players
Table 4-7: Other Alternative Payment Players to Watch, 2011
Chapter 5: Marketplace Trends in Alternative Payments
Payments Industry Suffers Due to Economy
For Alt Pay, Not So Bad
Looking Back at the Great Recession
PCE, Card Spending Down, but Alt Pay Up 12%
Figure 5-1: U.S. Gross Domestic Product and Personal Consumption
Expenditures, 2000-2010 (billions $)
By 2010 Everyone on the Rebound
Figure 5-2: U.S. Gross Domestic Product and Personal Consumption
Expenditures Year-over-Year Percentage Change, 2000-2010 (billions $)
Consumer Sentiment Foretells Lower Consumer Spending
Figure 5-3: University of Michigan’s Consumer Sentiment Index (CSI) and
Alternative of Labor Underutilization (U-6), 2007-2010
Signs of Economic Improvement
Expectations Higher, But Still Cautious
Figure 5-4: U.S. Gross Domestic Product and Personal Consumption
Expenditures Forecast, 2010-2015 (billions $)
Figure 5-5: U.S. Gross Domestic Product and Personal Consumption
Expenditures Year-over-Year Percentage Change Forecast, 2010-2015 (billions
$)
14. Figure 5-6: Retail Sales per Capita and U.S. Population, 2000-2010 (thousands
$, millions persons)
Figure 5-7: eCommerce Retail Sales per Capita and Percent of Retail Sales per
Capita, 2000-2010 ($, %)
Alternative Pay, a Dynamic Market
Consumers Warming to Electronic Alt Pay
Generational Equilibrium in Certain Payment Related Areas
Greener Attitudes Want Less Paper
Growth in Online Shopping Driving Alt Pay
Cards Still Dominate eCommerce but Alt Pay Making Strides
Card Networks and Issuers Feel the Heat
Card Players Go into Acquisition Mode
PayPal Open to Real World…and Virtual Opportunities
Bill Me Later Supplants Card Issuers
Google Casts a Large Shadow
Checkout by Amazon Simplifies
Card Payments Seek Alliances
Tapping into Established Technology to Drive Consumer Interest
MasterCard Introduces a Plan Similar to PayPal X
NACHA’s Secure Vault Payments Catches a Big Fish
Social Media Enters the Fray
Virtual Goods Purchase Increasing
P2P Opportunity in Virtual
Merchants Still Lagging in Offering Alt Pay
But Many Other Merchants Benefits
eCommerce Fraud Rates
Abandonment Issues
Demographics Defy Merchant Perceptions
15. eLayaway Notes Steady in Average Income of Users
Merchant Education Important
Looking Ahead
Chapter 6: Mobile Pay Marketplace Trends
Goodbye Landline, Hello Wireless
Increase in Smartphones Signals Mobile Payments Time
Mobile Payments Already Have Impressive Penetration
Chaotic for the Foreseeable Future
Customer Confusion Near Term Result
Mobile Payments Bring Alt Pay Offline
Changing the Shopping Environment
Millennials Will Drive Mobile Pay
PayPal Currently in Leadership Position
Banks Shouldn’t Miss the Opportunity
Mobile Pay as Point of Differentiation
Mobile Pay loves iPhone
Start-ups Getting Foot In Door
Start-up Jumio Brings Much Needed Attitude
Other Start-Ups Focus on Ease
It’s a “Look at Me” World
Consumer Protections Challenged by Mobile Payments
Is Mobile Alt Pay the End for Cash, Check and Credit Cards?
Chapter 7: Consumer Payment Preferences and Attitudes
Note on Experian Simmons Consumer Data
Robust Consumer Payment Options with Variety of Methods and Forms
Consumer Bill Pay Methods: Mail Continues to Dwindle
Variety and Simplicity of Other Methods Making Mail Obsolete
16. Recession Leads to Resurgence in Certain Methods
Table 7-1: Consumer Bill Pay Preferences: Methods Used, 2007-2010 (%)
Great Recession Had Great Effect on Payments
Payment Forms Sees Similar Shifting Away from Paper
Table 7-2: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)
Online Payments Far Outstrip Card Payments
Consumers Comfortable Using Variety of Forms
Table 7-3: Consumer Bill Pay Preferences: Forms Used Sometimes, 2009-2010
(%)
Consumer Bill Pay Demographic Characteristics
Demographics of Online Bill Pay Users
Recession Effect on Gen-Y
Women May Now be Leading Edge in Payments
Asians and West Coast Pop for Use
The Trifecta: Educated, White-Collar and Home Owners
Table 7-4: Demographic Characteristics by Forms Always and Sometimes Used:
Online Bill Payment, 2010 (index)
Credit Card Profile Similar to Online but Skews Older
Table 7-5: Demographic Characteristics by Forms Always and Sometimes Used:
Credit Card, 2010 (index)
Stark Contrast between Online Payment and Check User Profile
Table 7-6: Demographic Characteristics by Forms Always and Sometimes Used:
Check, 2010 (index)
Cash, Debit/Pre-Paid and Money Order Profile Points to Newbies and
Challenged
Gen-X, Minorities, Lower Incomes
Debit/Pre-Paid Also Shows Similarities with Credit Card Users
Table 7-7: Demographic Characteristics by Forms Always and Sometimes Used:
Cash, 2010 (index)
17. Table 7-8: Demographic Characteristics by Forms Always and Sometimes Used:
Pre-Paid/Debit Card, 2010 (index)
Table 7-9: Demographic Characteristics by Forms Always and Sometimes Used:
Money Order, 2010 (index)
The Mysterious “Other” Portion of Consumers
Table 7-10: Demographic Characteristics by Forms Always and Sometimes
Used: Other, 2010 (index)
Alternative Payment Focus: PayPal
Penetration Stalling?
Table 7-11: Consumer Use of PayPal, 2007-2010 (%)
Research Finds PayPal Has Strongest Consumer Recognition
PayPal User Profile Aligns with Online Payment Profile
Gen Y Pops for PayPal
Indications that Women Are Prime PayPal Users
Asians and West Coast Pop for Use
Table 7-12: Demographic Characteristics of PayPal Users: Last 7 Days and last
30 Days, 2010 (index)
PayPal Users are Educated, Financially above Average, White-Collar and Home
Owners
Possible Demographic Shifts for Other Alt Pay Brands
Connection between Internet Usage and Income
Figure 7-1: Comparison of Broadband Access at Home, Cell Phone Ownership,
and Internet Usage by Income Brackets of General Population, 2010
High Income Internet Users Engage in Online Shopping and Financial
Management
Figure 7-2: Comparison of Broadband Access at Home, Cell Phone Ownership,
and Internet Usage by Income Brackets of General Population, 2010
Consumer Attitudes by Payment Preference
Attitudes About Shopping: Savvy Value Shoppers
Table 7-13: Response to Shopping Statements by Bill Payment Types, 2010
(index)
18. Traditional Payment Form Users less Savvy
Attitudes About Personal Finance: Insecurity
Table 7-14: Response to Personal Finance Statements by Bill Payment Types,
2010 (index)
Attitudes About The Internet and Internet LIfestyle
PayPal, Online Bill Payers More Engaged Shoppers
Table 7-15: Response to Internet Related Statements by Bill Payment Types,
2010 (index)
Appendix
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