Talks & Presentations

The Four Horsemen of Technology in Payments.pdf

Discusses Google’s, Apple’s, Facebook’s and Amazon’s use of and ambitions in payments and financial services to enhance their platforms, and how they will impact traditional payment networks, processors and banks.

Payments Outlook 2016.pdf

Discusses electronic-payments growth, retail payment network and processor competition, putative challengers including Bitcoin, faster ACH and MNO-centric payment systems, and innovation and consolidation in merchant acquiring and processing.

The Siren Call of China’s Payments Market

China is the second largest card-payments market in the world. Payment transactions increased a whopping 52% yoy in 2014. Chinese authorities recently announced they were putting in place a licensing regime under which foreign payment networks will be permitted to compete in the domestic market. Discusses how real the opportunity is for networks such as Visa, MasterCard, Amex, Discover, and JCB.

Taking a bead on developments in the payments space (*.pdf)

Discusses much ballyhooed Apple Pay’s impact on players across the payments value chain, PayPal’s opportunity and challenges, the state of play for retail payment networks globally andĀ of promising new retail and P2P payment systems in a range of emerging markets, and how the wave of new and nontraditional innovators will affect traditional merchant acquirers and processors.

Potential tectonic shifts in payments (*.pdf)

Discusses Apple Pay’s impact on players across the payments value chain, PayPal’s prospects independent of eBay, interesting bank-ledĀ innovation in mobile payments, and payments innovation in a range of emerging markets.

Observations on payments trends and innovation in Europe [*pdf]

Discusses non-cash payment trends and innovation in Europe,

The promise of mobile payments (*.pdf)

Surveys the fast-evolving mobile-payments space including major stakeholders, proximity payments, digital wallets, mobile acceptance, mobile P2P payments, bill-to-carrier systems and mobile-carrier-centric payment networks.

A Payments Renaissance [Compatibility Mode](*pdf)

Impact of the Durbin Interchange Amendment on the Card Payments Industry: Who Gains? Who Loses? (*.pdf)

The Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law by President Obama on July 21, 2010. Section 1075 – aka the Durbin interchange amendment, will have an enormous impact on the card payments industry. Attached presentation discusses its direct and indirect effects on large and small debit and prepay card issuers, card-issuer processors, the retail card payment networks, and merchant acquirers and processors.

Impact of the Durbin Interchange Amendment on the Card Payments Industry: Who Would Be Hurt? Who Would Gain? (*.pdf)

For $300 million Steve Case and Ted Leonsis throw in the towel on Revolution Money

 

Market Rather Than the State Should Determine Payment prices (*.pdf)

Federal Reserve Bank of Chicago’s conference “Payments Pricing: Who Bears the Cost?”

Chicago, May 15, 2009

Chris Dodd and Barney Frank Have the Credit-Card Industry In Their Cross Hairs, Eric Grover, March 25, 2009

 

The Role of Government Regulation in Alternative Payments – Distilled remarks Janney Montgomery Scott Electronic Payments Summit Philadelphia, November 18, 2008

 

Plucky Revolution Money takes on payments giants, Eric Grover, June 11, 2008

 

UBS Electronic Payments Summit V – Opening Remark, Eric Grover, June 4, 2008

 

Comments on the ongoing transformation of the European card payment processing landscape, Eric Grover, June, 2008

 

 

A regulatory tide is coming in on the credit-card industry, Eric Grover, May 27, 2008

 

Discover making headway to achieving US acceptance parity, Eric Grover, May 27, 2008

 

Eufiserv stake reinforces First Data’s position as Europe’s leading payment processor, Eric Grover, May 27, 2008

 

Western Union acts to co-opt mobile money transfers, Eric Grover, April 28, 2008

 

Discover’s Diners Club acquisition a coup, Eric Grover, April 8, 2008

 

What Future for MasterCard and Visa? (*.pdf)

Comments on MasterCard, Eric Grover, April, 2007

 

European and US Payment Networks’ Different Paths, Eric Grover, April 17, 2007