Insights

First Data synthesizes industry knowledge, real-world experience and potential opportunities into key insights. These Insights are as integral to the way we do business as our products and services. Change—specifically innovative, pioneering change—represents opportunity. Our experts offer points of view on various topics to help you navigate today's ever-changing technology and the future of payments.

Implementing Tokenization Is Simpler Than You Think

Bruce Dragt and Rob McMillon
A surprisingly simple service-based approach makes implementing end-to-end encryption and tokenization in your payment environment simpler than you might think.

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Perspective: What Do Consumers Really Think About Debit Rewards? And What Can You Do About It?

Julie Bohn
Consumers are increasingly choosing debit over credit. Many members of Generation Y have always used debit cards–39 percent of Gen Yers use their card at least 15 times each month, according to Aité Group’s 2009 report Engaging GenY: Cultivating a New Generation of Banking Customers–and other consumers are making the transition as a way to re-structure how they control their spending. Are you making that switch worth their while?

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Perspective: Understanding the Great Disconnect

Don Davey
Both Collection Operations and Credit/Risk teams use the words "predictive analytics" but the groups clearly interpret their meaning very differently. I call this the Great Disconnect, as it seems to be universal across organizations -- creditors and agencies, large and small, sophisticated and unsophisticated -- and because it has had a profound impact on the use of analytics in collections.

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Perspective: Accelerating Mobile Commerce with Trusted Service Management

Christopher Cox
At First Data, we’re working hard to help make Near-Field Communications (NFC)-enabled mobile commerce a reality. Many companies across the payments industry share the vision of an NFC future for commerce and activity in this space seems to be accelerating.

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Perspective: Linking STAR® Debit Card Accounts to PayPal®

Julie Saville
First Data recently announced an agreement with PayPal® that allows debit cardholders in the STAR® Network to link their debit cards to PayPal accounts right from their financial institution’s online banking site. This is an industry first and we’re excited to be working with PayPal to help consumers feel more comfortable when they shop online.

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2009 Debit Card Rewards—Consumer Insights

First Data Competitive Intelligence
Read about the First Data Specialty Debit Card Rewards Program Study focused on rewards programs with Financial Institutions.

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2009 Credit Card Rewards—Consumer Insights

First Data Competitive Intelligence
Read about the First Data Credit Card Rewards Program Study focused on rewards programs with Financial Institutions.

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2009 Financial Institutions Rewards Programs—Consumer Insights

First Data Competitive Intelligence
Read about the First Data Financial Institutions Rewards Program Study focused on rewards programs with Financial Institutions.

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Summary of H.R. 627, the Credit CARD Act of 2009

Joe Samuel
First Data provides a high-level overview of the Credit CARD Act of 2009.

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The Case For ATM Advertising

First Data Thought Leadership
Read about the Case for ATM Advertising: An International Perspective.

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