By John Stewart and Jim Daly   Having beaten the banks on debit card pricing, they’re now staking out positions on mobile payments and chip cards. This could be the start of the decade of the merchant in the business of consumer payments.       Who controls consumer …

  By Bill Kinnelly and Anthony James   Most of the talk about the Durbin Amendment centers on debit interchange controls, but the sweeping measure must be considered in full and in relation to other costs.       As we enter the Durbin Era of debit card processing, much …

  Two very different financial institutions are adding or expanding their mobile remote deposit capture services to meet what they say is growing customer acceptance of the new banking channel that removes paper from the payments system and hitches banks and credit unions onto the rising smart-phone star. On the …

n Citing research from three Aite studies as well as interviews with 40 fraud-control vendors, Aite predicts that the amount of malware and losses from it are in for their own boom. Based on data from Panda Security, Aite senior analyst Julie Conroy McNelley estimates that 25 million new, unique …

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  Last month marked the one-year anniversary of a service from the Federal Reserve that allows certain debits processed through the automated clearing house network to be settled the same day they’re initiated, instead of the next day. Introduced Aug. 2, 2010, the Fed service brings the concept of immediate …

  What Keeps ATM Execs up at Night?       Complying with new Americans with Disabilities Act (ADA) requirements and fighting fraudsters who put skimmers on their machines rank high on the to-do lists of ATM managers.   The findings come in a new report from Aite Group LLC …

  John Stewart and Jim Daly   The Fed’s Durbin-inspired debit regulation is already radically reshaping the business for merchants, issuers, acquirers, and networks. Here’s how.       Well, it’s all over but the shouting. And, with the ink dry now for more than two months, there isn’t even …

  Startups and established companies alike are betting that consumers obsessed with daily deals could jump-start mobile payments. But it may take a while for that bet to pay off.   By Jane Adler       Rewards redemption with a mobile device at the point of sale isn’t a …

  Linda Punch   Increasingly sophisticated fraud schemes show that personal identification numbers are more vulnerable than once thought. Bring in the reinforcements.       For the past 40 years, personal identification numbers have built an enviable reputation as a nearly inviolable security feature. They’re much more secure than …