Payments Whitepapers

Despite the Risks, FTP Use on the Rise in the Enterprise
New survey report reveals FTP usage on the rise despite bad press, data security breaches and compliance penalties inherent in its use. Learn more now.

Non-Banks vs. Banks: Payments Revenue At Risk
To counter the threat of venture capital-fueled upstarts, banks should take advantage of their potential strengths: integration across product lines and channels, industry collaboration and sensitivity to the needs of government.

The New Frontier: Building the bridge to meet corporate customer demands with MEFG
Uncover the actions that financial firms must do to satisfy corporate clients and improve customer-to-bank communications. Read this new research now.

The State of Distributed Capture: Imaging in the Retail Channel
Check 21 acted as a catalyst not only for image-based check processing but also for fundamental changes to the way deposits would be made, arguably altering the competitive landscape in ways no other banking innovation has. But remote deposit is far from the only hotbed of distributed capture adoption. In the two years since Check 21 went into effect, branch and teller capture adoption has increased significantly.

Branch Image Capture Vendors: Adoption Takes Hold
Community banks and credit unions are adopting branch image capture technology in record numbers. Large banks continue to debate the idea and have been slow to adopt the technology.

State of Remote Deposit Capture: Entering the Mainstream
Over a third of US financial institutions already offer remote deposit capture services, and nearly one-half will do so by year end, but adoption by clients has a long way to go.

US Mobile Banking: Beyond the Buzz
Mobile banking will be a significant financial services channel that will be used by 35% of online banking households by 2010.

Mobile Commerce: Dealing with the Devil in the Details
Celent predicts that mobile phones will become a more prominent vehicle for low value payments on a global basis, with global mobile commerce revenues surpassing US$24 billion in 2006 and $55 billion by 2008.

Biometric ATMs in Japan: Fighting Fraud with Vein Pattern Authentication
Japan's banking industry is placing its bets on biometrics as a solution to the growing problem of counterfeit ATM cards and ID theft. First introduced in October 2004, biometric bank cards have been announced by 15 financial institutions (two megabanks, five regional banks, and eight credit unions) as of December 2005. More than 50 other institutions have announced plans to introduce the cards over the next several years.

The Future of Consumer Card Payments
In a new report by Ariana-Michele Moore, The Future of Consumer Card Payments, Celent details the evolution of these devices and how they have impacted the US payments economy.

Crossing Frontiers in Business-to-Business Electronic Payments
The migration to electronic payments for B2B transactions has been far from a gold rush. Nevertheless, the frontier shows promise and more pioneers are willing to blaze a trail. As a result, Celent predicts that B2B e-payments will pass the halfway adoption mark by 2012.

Remote Deposit Capture Vendors: Crossing the Chasm
Remote deposit capture has been greeted with astonishing interest and rapid adoption. Remote deposit capture has altered the deposit services landscape. Widespread adoption of remote deposit capture is close at hand, according to a new Celent report, Remote Deposit Capture Vendors: Crossing the Chasm.

Advanced Functionality ATMs: Promise Meets Reality
Innovative financial institutions are transforming ATMs into more than just a cash withdrawal machine by investing in advanced functionality to improve customer service, lower costs, and strengthen their brand.

Document Management in Banking: Overview and Solution Spectrum
In a new report, Document Management in Banking: Overview and Solution Spectrum, Celent analyzes key issues related to document-intensive business processes in banking and provides an overview of the technology options available to financial institutions across different areas of document management.

Standards: The Pony Express to E-Payments
Standards and the critical mass of users they generate are the pony express of any adoption curve. Development and dissemination of standards for B2B transactions will open the e-payments frontiers. Although they will not generate a gold rush, they will enable electronic payment processes.