Gartner Research

Hype Cycle for Financial Services Payment Systems, 2012

Published: 20 July 2012

ID: G00233614

Analyst(s): Christophe Uzureau


Banks have to refine their payment strategies to deliver need-based payment solutions. This Hype Cycle provides key directions on how to invest in the most relevant payment solutions while avoiding wasting resources on solutions looking for a problem.

Table Of Contents


  • What You Need to Know
  • The Hype Cycle
    • Methodology
    • Expanding Your Payment Value Chain Via an Integrated Payment Ecosystem
    • A Multiwallet Strategy
    • No Such Thing as One Mobile Payment System
    • Balancing Issuing and Acquiring Innovations
    • Adapting to New Business Models
    • Transaction Banking 2.0 Not There Yet
    • Recommendations
  • The Priority Matrix
  • Off The Hype Cycle
  • On the Rise
    • Mobile Digital Payment Advisor
    • Bump P2P Payment Systems
    • Peer-to-Peer Foreign Exchange Marketplace
    • Component-Based Card and Merchant Management
    • Application PaaS for Payments
    • App Marketplaces
    • Mobile Commercial Remote Deposit Capture
    • Payment Decomposition
    • Retail Payment Portfolio Management Solutions
    • Component-Based Payment Switching Software
    • Merchant Dashboard
  • At the Peak
    • SEPA Direct-Debit Mandate Management Solutions
    • Trusted Service Manager (TSM) for NFC-Enabled Mobile Payment Systems
    • EMV Migration (U.S.)
    • Mobile Thick Wallet Solutions
    • IBAN/BIC Conversion Applications and Services
    • Mobile Thin Wallet Solutions
    • NFC-Enabled Mobile Payment System — Europe
    • Payment Frameworks
    • Digital Thick Wallet Solutions
    • Mobile Handset Bar-Code-Originated Payment System
    • Transaction Banking 2.0
  • Sliding Into the Trough
    • Open Development Banking Platforms
    • Payment Services Hub
    • Self-Service Applications for Commercial Customers
    • Mobile Devices as Payment-Acquiring Terminals
    • Rule-Based Commercial Payment Initiation
    • Liquidity/Cash-Flow Forecasting Services for Bank Commercial Customers
    • Alternative Card Networks
    • Banking Apps
    • NFC-Enabled Mobile Payment System — North America
    • Social Network Payment System
    • Automated Payment Tracking and Reconciliation Services
    • Enterprise Mobile Financial Services Solutions
    • Online Bank-Enabled Payment (OBEP) System
    • Near-Real-Time Payment Systems in the Single Euro Payments Area
    • Decoupled Payment System
    • Mobile Consumer Remote Deposit
    • OTA Mobile Phone Payment Systems (North America)
    • Retail PIVAS Applications for Promotional Activity
    • Digital Thin Wallet Solutions
    • OTA Mobile Phone Payment Systems (Europe)
    • Biometric Payment System
    • Multipayment Application Instrument
  • Climbing the Slope
    • NFC-Enabled Mobile Payment System — Japan
    • OTA Mobile Phone Payment Systems (Southeast Asia and India)
    • Contactless Retail Payment System
    • OTA Mobile Phone Payment Systems (Africa)
    • Internet Micropayment Systems
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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