|By PR Newswire||
|November 26, 2012 03:27 PM EST||
FARMINGTON, Conn., Nov. 26, 2012 /PRNewswire-iReach/ -- Mobile payments have arrived. Mobile banking adoption has accelerated at unprecedented rates, rivaling the speed-to-adoption of such consumer "must have" products as telephones, dishwashers, automobiles, and color TVs. Driving this revolution is a large collection of technologies, some of which are immature and not fully secure. Nascent solutions are a gilded invitation for criminals to attack at various points within the mobile payments ecosystem. Operating system (OS) developers, payment networks, banks, and even users need to be involved in keeping this evolving environment secure.
Meanwhile, as mobile phone-based payments and mobile banking applications continue to gain consumer traction, mobile apps for credit cards may become critical features of credit card accounts in the future. Surprisingly, many issuers bury their current credit card apps in a broader online/mobile banking site and fail to feature the full extent of their mobile app features.
Concerning NFC technology, although NFC payments are still a few years away, NFC itself is here right now and NFC technology is starting to gain traction. Handset manufacturers are including NFC in most of the new mobile devices on the market, and they are heavily advertising the non-payments capabilities it offers.
Global Information Inc (GII) presents five information-rich market research reports covering the global market for mobile payments from our premium market research partner Mercator Advisory Group, Inc.
Mobile Payment Security, Fraud, and Risk: Breaches, Malware, and the OS Linchpin
Criminals are highly motivated to attack mobile payments because they are such a rich target. Hackers take advantage of the lag between the introduction of a payment technology and its general acceptance by the public. This period provides ample opportunity for the perpetrators to discover vulnerabilities and prepare attack strategies
The two greatest threats to the mobile payments industry are malware and data breaches. The data breach is well understood and is a universal issue for the payments industry. Standards like PCI have gone a long way toward combating the problem. The malware problem, however, is more focused, initially affecting OS and applications developers, with the effects eventually spreading to the rest of the mobile payments community.
The report reveals that OS developers are in the best position to limit the spread of mobile malware. They control the OS, they control their own applications, and they are in a position to control the offerings of third-party application vendors.
This report contains an analysis of the drivers of insecurity in the mobile arena, including OS application review processes, time-to-market pressures, vulnerabilities to phishing, WiFi hacks, man-in-the-middle attacks, and more. Mercator Advisor Group presents recommendations for tighter mobile payment security that will benefit OS developers, corporate and individual mobile users, application developers and mobile carriers.
An Executive Summary for this report and free sample pages from the full document are available at http://www.giiresearch.com/report/mag254892-mobile-payment-security-fraud-risk-breaches.html
Consumer Credit Card Mobile Apps: Waiting for Prime Time
Credit card issuers may be waiting for the highly anticipated dawn of the era of mobile payments, with its presumed dependence upon Near Field Communication-equipped smartphones and POS terminals. As discussed in the report, enabling a card account on a smartphone may indeed open new frontiers for account management tools and other mobile apps. However, these capabilities also open new battlefields for competitive account offerings, and issuers not serving their account holders' growing mobile appetites may find themselves at a competitive disadvantage. The era of mobile payments is not yet here, and the road to NFC-based payments seems longer every day, so there is still time to develop competitive mobile apps to intrigue and please account holders.
Highlights from this report include: current usage of banking apps and alerts; smartphone penetration of the U.S. adult population and consumer attitudes toward mobile security; opportunities for credit card issuers; and reasons for delays in developing credit card apps that can leverage new mobile capabilities.
An Executive Summary for this report is available at http://www.giiresearch.com/report/mag254922-consumer-credit-card-mobile-apps-waiting-prime.html
2012 Mobile Banking Market Assessment
Mercator Advisory Group reviews the burgeoning global market for mobile banking and evaluates key trends and market drives contributing to its impressive and staggering growth.
Report highlights include: new advances opening the door to additional features and capabilities to further mobile banking channel growth; three key areas of change in customer behavior that are being driven by mobile banking; three modes of mobile banking and the circumstances when each is most appropriate for use; and more
An Executive Summary for this report and free sample pages from the full document are available at http://www.giiresearch.com/report/mag254902-mobile-banking-market-assessment.html
The NFC Revolution: Anticipating Changes in the U.S. Payments Landscape
The use of NFC is no longer in question, but rather how far along we are, how the technology will be used, and when will the transition happen are the areas worth discussion right now.
This report examines the current status of Near Field Communication (NFC) technology in the United States, explores NFC's non-payments functions currently on the market, and analyzes the challenges faced by organizations attempting to support NFC payments. The report forecasts the influence NFC-based payments will have in the market through 2020, explaining the factors influencing periods of growth and stagnation.
The report features a breakdown of the problems facing major NFC wallet providers and provides forecasts of the influence of mobile payments though 2020.
Free sample pages from the full document are available at http://www.giiresearch.com/report/mag254894-nfc-revolution-anticipating-changes-us-payments.html
Prepaid continues to enjoy strong growth despite economic turmoil and increased legislative and regulatory action. This growth has been sustainable because of the diversity of the prepaid market. However, overall prepaid growth rate has slowed.
Free sample pages from the full document are available at http://www.giiresearch.com/report/mag254901-prepaid-distribution-united-states.html
About Global Information Inc. Global Information (GII) (http://www.giiresearch.com) is an information service company partnering with over 300 research companies around the world. Global Information has been in the business of distributing technical and market research for more than 25 years. Expanded from its original headquarters in Japan, Global Information now has offices in Korea, Taiwan, Singapore, Europe and the United States.
Media Contact: Jeremy Palaia, Global Information, Inc., 1-860-674-8796, [email protected]
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SOURCE Global Information, Inc.
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