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Research & Analysis


Viewpoint: The Rise of in-App Commerce

In-app payments are cannibalizing more traditional payments. But to succeed in this environment, retailers and others must recognize that app commerce is different from e-commerce and requires a unique set of payments capabilities to be optimized.


Prepaid Gains More Love from Canadians, but Bank Execs Might Have Worries

Reloadable prepaid cards are a hit with Canadian consumers, with 95 percent of them saying they are satisfied with the products in 2016. That represents an increase of 22 percentage points from 2015, and stands as the highest satisfaction rate for all payment tools, according to the second annual survey from the Canadian Prepaid Providers Organization.


Trend Watch 2017: Payments Year in Review

Paybefore’s first-ever payments year-in-review report, sponsored by The Bancorp, is available now. Offering an in-depth look at key trends and the Top 10 payments stories from 2016 that will continue to shape the industry in 2017 and beyond, this must-have resource examines everything influencing the industry from the CFPB and Uber to Brexit and Trump and much more.


Want Consumers to Spend More? Make Sure They Have Gift Cards.

Gift cards are very good for business, and getting better: 75 percent of U.S. consumers using the payment devices in 2016 spent more during their shopping trips than the value stored on those cards, according to a First Data study. That compares with 69 percent in 2015. The average extra spending stands at $27.74 more than the value of the card, the report said.


Trade Group Report Offers Post-Brexit Licensing Guidance

With last year’s Brexit decision casting uncertainty on U.K.-based e-money passporting, the Emerging Payments Association (EPA) has released a new report recommending the best options for U.K.-licensed fintech and financial services companies in danger of losing their European Union passporting rights following the U.K.’s exit from the EU.


White House Unveils Fintech Framework for U.S.

Following the OCC’s plans for a special fintech bank charter, which has state regulators and a few Democratic senators up in arms, the National Economic Council (NEC) of the U.S., part of the Office of White House Policy, has published a whitepaper, “A Framework for Fintech,” reports Paybefore’s sister publication Banking Tech.


Gift Card Study: Self-Gifting, Non-Seasonal Use Going Strong

U.S. adults bought about $46 billion worth of gift cards over the past year—and a significant chunk of that total was comprised of gift cards for self-use, according to a new study by market research firm Packaged Facts. Of the total consumers spent on gift cards, $28 billion was for gift cards given to friends and family, while $11 billion was for gift cards they gave to themselves, the report found. The remaining $7 billion was comprised of gift cards given by companies to their employees.


Digital Payments and Retail Score Another Christmas Victory

E-commerce accounted for 21.3 percent of U.S. holiday retail sales this past season, up from 15.4 percent from 2015, according to First Data, a further sign that consumers continue to switch their buying and payments away from traditional retail stores. By contrast, full season holiday spending, excluding gas purchases, increased 4.7 percent from last year—still well behind the growth rate for e-commerce but better than the measly 1.8 percent growth booked in 2015.


Fed Study Shows Prepaid Growth Slowing

Prepaid cards accounted for 9.9 billion transactions and $270 billion in spending volume in the U.S. in 2015—an increase of $600 million since 2012—but prepaid growth is slowing as the products become more mainstream, according to a study from the Federal Reserve.


Report: Prepaid Fundamentals Strong, but Uncertain Waters ahead

Over the next two years, closed-loop prepaid loads are on the way up, store returns on the way down—and most other prepaid numbers could go either way depending on a host of factors. Those were among the main takeaways from Mercator Advisory Group’s 13th Annual U.S. Prepaid Cards Market Forecasts, 2016–2019. The report examines load, growth and market dynamics in the U.S. across all prepaid segments.

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