MERCHANT ACQUIRING IN 2014: ISSUES, TRENDS & PERSPECTIVES

Merchant Acquiring in 2014 face a challenging competitive environment and slow growth. Depending on the size of the ISO and acquirer, these issues manifest themselves differently and require different solutions. 

Merchant acquiring in 2014 is facing “challenging competitive environment” as 52% of the respondents indicated. This challenging competitive environment comes in many shapes depending on the size and type of institution (bank, ISO, processor) of the respondents. It goes from new market entrants in the form of software providers, crypto-currency, exacerbated competition among players leading to high attrition rates, or some see card networks (notably Visa and American Express) competing directly with merchant acquirers.

The report maps out merchant acquirers’ current adoption rate of mobile solutions and breaks down the type of solution used (off-the-shelf, generic, self-branded, homegrown or multiple solutions). The report also explores which type of market players should have their own homegrown solutions or just acquire an off-the-shelf solution.

The report also analyzes the issue of margin compression brought up as one of the top four issues facing the market. “There are three types of competitors in the market: those that add value and innovate, those that follow and have “me-too” products and services and those that subtract and shave off their pricing margins in order to compete,” says Adil Consulting’s Founder Adil Moussa, author of the report. “The non-differentiation and the rare big breakthroughs in the industry are pushing merchant acquiring in 2014 into continuous margin compression for all players in the market. The solution is to create value through differentiation that truly helps merchants solve their daily issues (unrelated to processing) and also a focus on a few verticals in order to achieve the specialist status in the mind of merchants in a business category. Focusing on ‘creating value’ through price reduction does just the opposite: it devalues the service.”

  • Competitive Environment 52% 52%
  • Growth 48% 48%
  • Technology 41% 41%
  • Margin Compression 37% 37%
  • Regulatory 22% 22%
  • Security 19% 19%
  • Product Development 19% 19%
  • EMV 19% 19%
  • Retention 19% 19%
  • Infrastructure 15% 15%
  • Ethics 11% 11%
  • HR 11% 11%

Report Content

Merchant Acquiring in 2014 is a 46-page report is based on a survey of 27 ISOs, acquirers, and processors. It contains 17 charts and is split into two parts:

1) Top Issues Facing the Industry

A review of the top 12 issues facing merchant acquiring in 2014. A review of the top issues facing merchant acquirers by size of institution (processing below US$1 billion, processing between US$1 billion and US$39 billion, processing over US$40 billion).

2) Market Changes

A review of the changes the merchant acquiring industry is going through and the changes needed to the business model to survive in the next three years. Adoption rate of mobile POS. Type of mobile POS offered overall, by type of institution and by size of institution.  

 

What You Will Learn in this Report

  • The top issues facing merchant acquiring in 2014
  • Issues facing small ISOs and acquirers
  • Issues facing midsize ISOs and acquirers
  • Issues facing large ISOs and acquirers
  • What merchants want and need and how ISOs and acquirers are not providing it
  • Key take-aways and potential solutions to issues facing acquiring
  • The changing model of merchant acquiring
  • Mobile solutions adoption rate in the acquiring industry
  • Mobile solutions adoption by institution type (bank, ISO, processors)
  • Mobile solutions adoption by institution size
  • Which type of acquirer should offer a proprietary tablet solution

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List of Charts and Figures

  1. Figure 1: Study’s Participants Institution Type and Titles
  2. Figure 2: Top Issues Faced By Acquirers in 2014
  3. Figure 3: Issues Facing Acquirers Processing Below US$1 billion
  4. Figure 4: Issues Facing Acquirers Processing Between US$1 and US$39 billion
  5. Figure 5: Issues Facing Acquirers Processing Above US$40 Billion
  6. Figure 6: Breakdown of Issues Facing Acquirers in 2014
  7. Figure 7: Merchants Desire to Learn About How to Market To and Retain Customers
  8. Figure 8: Acquirers Believe that the Industry Will Survive Through Specialization
  9. Figure 9: The Industry is Divided as to the Survival of the Current ISO Model
  10. Figure 10: Banks Are Pessimistic About Survival of Current ISOs Model
  11. Figure 11: Most of the Market Players Offer a Mobile Solution
  12. Figure 12: Mobile Solution Adoption by Institution Type
  13. Figure 13: Mobile Solution Adoption by Institution Size
  14. Figure 14: Mobile Solution Type Used by Responding Panel
  15. Figure 15: Type of Mobile Solution Used by Institution Type
  16. Figure 16: Type of Mobile Solution Used by Institution Size
  17. Figure 17: ISOs in Need of POS Solution Direction

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