Payments Strategy Research Program
Each year Global Concepts performs a series of syndicated studies based on the topics that are top of mind for our clients. These reports are available to license individually or as a series.
The studies for 2008* include the following:
Click here to download the 2008 agenda and pricing.
March 2008
Small Business In Focus: Insights Into Payments Behavior / Opportunities |
| This study will identify ways for financial institutions to serve small business clients better and more profitably, focusing particularly on ways to increase spend on credit or debit cards. A primary outcome of the research will be to understand how small businesses distribute share of wallet across payments instruments and what the barriers are to increased card spend. GCI will also explore small business preferences for channel usage and the relative importance of lending versus transaction account services.
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April 2008
Corporate Treasury Needs: Small Business - $1.0MM-10MM |
In a series of four reports GCI will forecast near-term market demand by US firms in each of four market segments for both traditional and leading edge cash management products. Analyses will be based on GCI’s annual survey of US treasury practitioners to assess their current and expected use of several dozen cash management offerings across receivables, payables and liquidity management. The objective is to help banks set their near-term priorities for product development and/or sales.
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April 2008
Emerging Payments Monitor: US Emerging Markets Part 1 |
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Within the US banking market, young, pre-banked consumers and recent immigrants account for much of the opportunity for new account growth. In a two part series, GCI will focus on the critical challenges for banks in reaching these consumers and provide a comprehensive market scan of new ideas and technologies (including risk modeling, mobile banking, and payments) that enable banks to serve these emerging market segments. We will analyze the viability of several innovations and recommend ways for banks to incorporate them into their account offerings.
The focus of this study will be on young, pre-banked consumers, such as teenagers and “Generation Y.”
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May 2008
Emerging Payments Monitor: Mobile Banking And Payments |
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Part 1 (May): Mobile banking & payments – This study will serve as a comprehensive market survey of the technologies that enable consumers to interact with their financial institution using a mobile phone or similar mobile device. We will compare the competing mobile technology companies, how their platforms differ, who they are partnering with and what success any pilots have had. We will also offer our predictions as to which of the models are likely to gain adoption.
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May 2008
Corporate Treasury Needs: Small to Medium Enterprises - $10-40MM |
In a series of four reports GCI will forecast near-term market demand by US firms in each of four market segments for both traditional and leading edge cash management products. Analyses will be based on GCI’s annual survey of US treasury practitioners to assess their current and expected use of several dozen cash management offerings across receivables, payables and liquidity management. The objective is to help banks set their near-term priorities for product development and/or sales.
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June 2008
Corporate Treasury Needs: Lower Middle Market - $40-100MM |
In a series of four reports GCI will forecast near-term market demand by US firms in each of four market segments for both traditional and leading edge cash management products. Analyses will be based on GCI’s annual survey of US treasury practitioners to assess their current and expected use of several dozen cash management offerings across receivables, payables and liquidity management. The objective is to help banks set their near-term priorities for product development and/or sales.
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July 2008
Corporate Treasury Needs: Mid- To Large Corporate -$100MM-1.5BN |
| In a series of four reports GCI will forecast near-term market demand by US firms in each of four market segments for both traditional and leading edge cash management products. Analyses will be based on GCI’s annual survey of US treasury practitioners to assess their current and expected use of several dozen cash management offerings across receivables, payables and liquidity management. The objective is to help banks set their near-term priorities for product development and/or sales.
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September 2008
Optimizing The Small Business Banking Package |
| This study uses a rigorous quantitative methodology to identify which factors matter most (and least) to small businesses in their choice of a primary transaction account relationship. The report will detail the requirements for an optimal DDA product bundle and how it differs across specific small business segments. GCI will analyze the value of both deposit and disbursement services, including credit card or other credit facilities linked to DDA. The objective is to clarify where banks should invest (or not) to optimize the value of their small business banking offerings.
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September 2008
2008 Payments Study: Survey Of Large Bank Payments Practices |
| This report will detail year-to-year changes in payments processing volumes and practices at the largest US banks. Leading banks rely on the Payments Study to understand their market share, their rank among peers, and their relative mix of volume vs. confidential peer-group volumes. GCI has surveyed top-100 banks annually since 2001 to measure payments processing trends. The study measures fundamental transaction activity, such as the number and dollar value of payments by check, debit card, ACH, wire, and credit card as well as ATM withdrawals. It also measures factors such as the rate of image exchange, ECP, and IRD presentments; remote deposit capture; and the changing use of channels and instruments by bank customers.
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October 2008
Emerging Payments Monitor: US Emerging Markets Part 2 |
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Within the US banking market, young, pre-banked consumers and recent immigrants account for much of the opportunity for new account growth. In a two part series, GCI will focus on the critical challenges for banks in reaching these consumers and provide a comprehensive market scan of new ideas and technologies (including risk modeling, mobile banking, and payments) that enable banks to serve these emerging market segments. We will analyze the viability of several innovations and recommend ways for banks to incorporate them into their account offerings.
The focus of this study will be on low- to moderate-income consumers, especially recent immigrants, who form a significant share of what we typically think of as the un-banked or under-banked.
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November 2008
Emerging Payments Monitor: Mobile Banking And Payments |
Mobile payments at the traditional point of sale – Using a mobile phone as a wallet is an idea that was developed with little success in the mid 1990’s but is once again a hot topic. This study will examine the differences between possible mobile POS scenarios, how each scenario work and how plausible wide spread adoption actually is.
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*To see our studies from previous years, please visit the Report Search page.