Regulatory and Payments Industry Stakeholder Perspectives: Fintech Innovation, Privacy, Open Banking, and Secure Payments
by Susan M. Pandy, Ph.D. and Marianne Crowe
Payment Strategies conducts applied industry research on the evolving mobile/digital payments and wallet market to identify related trends, technology models, benefits such as value-added features, and barriers to adoption, including security and interoperability. Security and fraud-related research has focused on the evolution of payment tokenization models, assessing the state of card-not-present fraud and identifying key mitigation tools. Other areas include understanding industry stakeholder perspectives regarding the convergence of mobile, physical and online payment channels; financial institution experiences with mobile wallets; and merchant challenges associated with mobile/digital payments and wallets and the expansion of mobile/digital commerce.