Gartner Research

Hype Cycle for Financial Services Payment Systems, 2009

Published: 27 July 2009

ID: G00168867

Analyst(s): Christophe Uzureau , Mary Knox, Alistair Newton , Stessa Cohen , Juergen Weiss , Richard J. De Lotto, Douglas McKibben, Kristin Moyer


Banking consumers and corporate clients want payment systems that help them access and control their liquidity. Never before have banking customers asked so strongly: "Where is my money?"

Table Of Contents
  • What You Need to Know
  • The Hype Cycle
    • Methodology Reminder
    • What Matters: Where Is My Money?
  • The Priority Matrix
  • On the Rise
    • APaaS and SEAP for Payments
    • Retail Payment Portfolio Management Solutions
    • SEPA Direct Debit Mandate Management Solutions
    • Alternative Card Networks
    • Component-Based Card Management Software
    • BPM Technologies in Payment Consolidation
  • At the Peak
    • IBAN/BIC Conversion Applications
    • Payment Services Hub (PSH)
    • Bank Delivery of Electronic Invoicing Presentment and Payment (EIPP) Solutions
    • Near-Real-Time Payment Systems in the Single Euro Payment Area (SEPA)
    • Decoupled Payment System
    • Electronic Payment Fraud Management Applications
    • Rule-Based Corporate Payment Initiation
    • Integrated Contactless Mobile Payment System, Rest of World
    • Retail PIVAS Applications for Promotional Activity
  • Sliding Into the Trough
    • Liquidity/Cash Flow Forecasting Services
    • Automated Payment Tracking and Reconciliation Services
    • Multipayment Application Instrument
    • Biometric Payment System
    • Integrated Contactless Mobile Payment System — Japan
    • Contactless Retail Payment System
    • Over-the-Air Mobile Phone Payment Systems, Developed Markets
    • Check-to-ACH Conversion, U.S.
    • OTA Mobile Phone Payment System for Emerging and Unbanked Payment Markets
  • Climbing the Slope
    • Internet Micropayment Systems
    • Contactless Transit Retail Payment System, Asia/Pacific
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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