ANALYST VIEWS

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ANALYST VIEWS

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December 29, 2016
As we get ready to turn the calendar page to 2017, the Aite Group Retail Banking & Payments analysts took a look back on the big events in the industry in 2016. Many of these promise to have ripple effects into 2017 and beyond.  Election results in the United States: The surprise results of the election have big banks optimistic about the potential for deregulation, while many...
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November 29, 2016
Financial institutions (FIs) continue to place a greater emphasis on enabling new account-opening growth through online and mobile channels, and expand their product offering to foster financial inclusion and growth. In my recently published study New DDA Strategies: Balancing Risk and Regulators, over 40% of FIs in every category with the exception of the largest FIs already offer some type of...
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November 15, 2016
Blockchain-based applications developed by SCtech (pronounced “skytech”) players (i.e., software vendors dedicated to developing blockchain-based applications for supply chain management) are dispersed across diverse supply chain (SC) processes: document management, traceability, provenance, and finance. They are currently engaged in proof-of-concept (POC) experiments to identify which SC...
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November 7, 2016
A couple weeks ago at Money 20/20, my co-presenter (Brian Byrne from EMVCo) demoed the new-and-improved version of 3-D Secure (3DS) to a packed house of payment industry professionals. There’s been a renewed industry interest in 3DS leading up to this launch—I’ve received more inquiries from clients about 3DS in the past six months than I have in my entire six years at Aite Group. So the big...
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October 31, 2016
The fourth annual Money 20/20 is in the books. While official attendance figures have not yet been released, this one felt even bigger than last year. Five analysts from Aite Group attended: Christine Barry, Julie Conroy, Ben Knieff, Tiffani Montez, and Thad Peterson. Here are a few key takeaways from the team:  Zelle’s debut: At last year’s Money 20/20, Early Warning...
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October 19, 2016
I had the pleasure to speak at the Digital Identity Summit hosted by ThreatMetrix last week in Los Angeles, California. There were a number of great sessions representing banking/financial services, e-commerce, payment service providers (PSPs), and other service providers. It was really interesting to observe similar use cases being applied to very different businesses with similar challenges...
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Ben Knieff
October 17, 2016
For all their troubles going about alpha generation, algorithmic traders get remarkable little respect these days. Last week while I was attending The Trading Show in New York, a select group of quant-oriented, buy-side participants and fintech enablers debated the limits of traditional computers in financial research and, conversely, of quantum computing’s promise. Many of these investors chase...
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Javier Paz
October 6, 2016
With data breaches reported nearly daily, it is no stretch to think pretty much everyone’s card information has been compromised at some point. Criminals typically use only a fraction of stolen card information, but this week, I was one of the (un)lucky ones to have my card compromised and used. The experience with my bank was, however, a very well-handled card fraud event that deserves to be...
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Ben Knieff
September 19, 2016
Over the past 18 months, U.S. auto insurers have expressed renewed interest in usage-based insurance as consumers become more comfortable with the concept. Some U.S. insurers are seeing growing uptake for their telematics insurance programs. Over 30% of new customers are now opting for usage-based insurance at Nationwide and Progressive, for instance. The maturation of smartphones as telematics...
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September 15, 2016
There is no shortage of speculation about how personal auto insurance may become obsolete in a driverless era, how auto manufacturers’ product liability may compete with personal auto insurance, and how ridesharing may replace personal car ownership and vaporize the need for personal auto insurance. Those topics make good cocktail conversations, but they have little practicality for insurers...
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