White Papers

In 2012, companies reported losing an average of 0.9% of total online revenue to fraud, similar to 2010 levels. Using 2012 industry market projections on eCommerce sales in North America, CyberSource estimates total revenue loss translates to ...

According to CyberSource Corporation, a wholly owned subsidiary of Visa Inc., mobile commerce is exploding. It will climb to over USD70 billion by 2014 and become a bigger share of overall eCommerce — from 9% in 2012 to a projected 18% in 20141. The ...

With 1.62 billion EMV-compliant payments cards in use worldwide, EMV has transformed the payments landscape. However, as one of the last major economies to adopt EMV, the US remains vulnerable to fraud and must now meet imminent deadlines to transition ...

Pattern Matched Technologies specialises in the intersection of the telecommunications and finance industries. Its team of highly skilled engineers, programmers and analysts has over a decades worth of international telecoms and GSM experience. PMT ...

In an essay in the 2012 Annual Report, San Francisco Fed President and CEO John C. Williams explains why currency in circulation is soaring at the same time Americans are turning away from cash to pay for purchases. He also looks at the future demand ...

Douglas Stewart is President and Co-founder of Quetzal. He has been in the POS business for over fifteen years having successfully overseen a number of retail solution initiatives in the market. His latest POS product aims to answer a number of needs ...

After observing a noticeable increase in sophisticated attacks targeting payment processors of prepaid debit accounts in which criminals are able to manipulate balances of accounts and/or fraud prevention controls, the United States Secret Service ...

Accenture’s annual survey of more than 4,000 current account customers in the UK and Ireland showed declines in the depth and quality of interactions between customers and their banks, as new customer loyalty challenges emerge. According to the ...

The use of mobile phones to access a bank account, credit card, or other financial account became more prevalent in the Unites States last year, according to the Federal Reserve Board's latest report on the use of mobile financial services.  As of ...

Kids are spending vast amounts of money, online every day. A recent Harris poll estimated that under 24's in the USA, spend in excess of USD200 Billion each year. Yet how is this possible? Under eighteens are not legally entitled to credit cards in most ...