Kristin Moyer

A member of the Gartner Blog Network

Entries Tagged as 'payments'


Euro Crisis: What is the Connection between Hypothecation and the Future of Money?

by Kristin Moyer  |  December 20, 2011  |  Comments Off

Contributed by David Furlonger On the weekend, I read a rather alarming commentary by David Stockman European Banking System is on the Verge of Collapse. While this analysis clearly highlights the fragility of bank balance sheets, it doesn’t dig deeply into the graver issue facing the Eurozone policy makers and indeed the world –  that [...]

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The Euro Crisis – Are IT Professionals Prepared for the Fallout?

by Kristin Moyer  |  December 8, 2011  |  2 Comments

Contributed by David Furlonger Today’s WSJ suggested the Euro currency was finished: Banks Prep for Life After Euro This is another news article, in a continuing stream, that has become more intense over the last several months. The question is, are IT professionals, as opposed to economists and maybe politicians, prepared for a redenomination of [...]

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ZYNC – Right Idea, but Wrong Approach

by Kristin Moyer  |  January 6, 2010  |  Comments Off

Last summer I wrote about the importance of segmentation in banking (see here).  Alistair Newton and I have also written about the value of letting customers create their own cards and manage them, for example changing rewards options, over time (Gartner clients see “Using Social Networking and Personalization to Transform Your Payment Card Market Approach”). [...]

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Hype Cycle for Financial Services Payment Systems, 2009

by Kristin Moyer  |  August 25, 2009  |  1 Comment

Christophe Uzureau and Kristin Moyer here.  Our “Hype Cycle for Financial Services Payment Systems, 2009” is now published (and available to Gartner clients). Due to the current economic environment, there’s no shortage of pessimism, and it’s mostly for the right reasons. However, this doesn’t mean that banks should stop innovating and bringing new payment instruments [...]

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Card Management Software is on a Path to Extinction

by Kristin Moyer  |  June 22, 2009  |  2 Comments

The financial crisis has already had far reaching impacts and consequences on consumers, financial institutions and the vendors that serve them.  Even before the crisis, payments was in flux due to regulatory change, account and transaction volume growth and the need to contain costs while leveraging payments to drive revenue and retain customers (see “Three [...]

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Investment in Card Management Software on the Rise

by Kristin Moyer  |  June 10, 2009  |  3 Comments

Despite severe market conditions, I am seeing an acceleration of the implementation of new card management software.  Inquiries from Gartner clients regarding card management software selection processes has increased more than 200% for the first 6 months of 2009.  In addition, the number of net new card management software deals between calendar 2007 and 2008 [...]

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The Opportunity of Divestiture in the Banking Industry

by Kristin Moyer  |  April 2, 2009  |  Comments Off

Kristin Moyer and Rick DeLotto here.  The recent announcement that Fifth Third will be selling a stake in its payment processing unit  is a reminder of the looming divestiture that is beginning to take place in the banking industry.  A couple months ago our colleague David Furlonger and Kristin wrote about the looming wave of divestiture in the banking [...]

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Is Now the Right Time to Take On PayPal ?

by Kristin Moyer  |  February 25, 2009  |  Comments Off

Alistair Newton here. With numerous parts of the global financial services industry suffering at the hands of sub prime, credit crunch and general evaporation of customer confidence, for many their carefully laid strategies and plans are being replaced by short-term tactics focused on survival. So its refreshing to see that amongst this scramble, some financial [...]

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Happy Birthday to the Check: The PayPal of 1659

by Kristin Moyer  |  February 17, 2009  |  2 Comments

Stessa Cohen here.  President’s Day in the US may not be the exciting holiday one wants in mid-February. Here’s another cause for celebration: According to Silicon.com The venerable paper cheque celebrates its 350th birthday next week, although the prospect of the payment method celebrating many more is diminishing. According to the Cheque and Credit Clearing Company [...]

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After 11 Years, “Goodbye Credit Card”

by Kristin Moyer  |  February 12, 2009  |  6 Comments

My husband and I have had a credit card that earns airline mileage on a specific carrier for 11 years now.  We are the kind of customers that banks love yet hate.  We charge anything that we can – gas, food, kids’ after school activities, a pack of gum.  We complain that the light-rail in [...]

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