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Home > Business/Finance > Financial Services > Electronic Transactions
Retail Payments in The Post-SEPA Landscape (Market Focus)
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| Published Date:
October 2006
Published By:
Datamonitor
Page Count:
11
Order Code:
R313-17796
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- DATAMONITOR VIEW
- CATALYST
- SUMMARY
- METHODOLOGY
- ANALYSIS
- Pressure on payment margins is forcing banks to develop new customer segments
- The payments industry continues to be a volume game
- Downwards pressure on charges increases as the industry continues to be ever more competitive
- Required spend on payments is often largely outside of the banks control...
- However, the sub-prime market offer an rare opportunity for new revenue generation in some markets
- SEPA will open up the European payments industry for players worldwide
- Banks in the Eurozone will feel the brunt of the SEPA initiative
- European banks outside of the Eurozone will not be priorities in the short term
- SEPA will open up competition with banks outside of Europe
- The impact of SEPA will drive consolidation across the payments industry
- Pan European Automated Clearing Houses (PE-ACHs) are emerging
- Domestic debit card schemes are all but certain to disappear over the long term
- Payment processor service providers are gaining market share
- As payments borders come down in Europe, so the opportunities for fraud will increase
- The benefits of the EMV directive are showing...
- ... but fraud and risk management remain major problem as the payments industry evolves under SEPA
- APPENDIX
- Further reading
- Ask the analyst
- List of Figures
- Figure 1: European retail banks regulatory spend drivers
- Figure 2: Fraud losses in the UK
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