Gartner Research

Hype Cycle for Financial Services Payment Systems, 2013

Published: 24 July 2013

ID: G00252964

Analyst(s): Christophe Uzureau


Banks have to modernize and open up their payment value chains to increase the reach of their banking products and services. To do so, they have to manage a more complex portfolio of payment instruments, solutions and applications. This Hype Cycle will assist banks in navigating these challenges.

Table Of Contents


  • What You Need to Know
  • The Hype Cycle
    • Methodology
    • Adopting a Value Chain Approach
    • Partners, Providers and Competitors Merging Into a New Ecosystem
    • Why It Matters — Moving Away From "Mobile Payments"
    • Digital Wallet Strategies
    • No Hype Cycle Is an Island
  • The Priority Matrix
  • Off the Hype Cycle
  • On the Rise
    • Payment-Acquiring Convergence Solutions at the POS
    • Bump P2P Payment Systems
    • Alternative Payment Origination Systems
    • Application PaaS for Payments
    • PIVAS — Tracking and Negotiation
    • Mobile Digital Payment Advisor
    • Peer-to-Peer Foreign Exchange Marketplace
    • Retail Payment Portfolio Management Solutions
  • At the Peak
    • Merchant Dashboard
    • Payment Value Chain Composition
    • Trusted Service Manager for NFC-Enabled Mobile Payment Systems
    • EMV Migration (U.S.)
    • Mobile Proximity Payment Systems — Europe
    • SEPA Direct-Debit Mandate Management Solutions
  • Sliding Into the Trough
    • IBAN/BIC Conversion Applications and Services
    • Payment Architectural Frameworks
    • PIVAS — Synchronization Process
    • Payment Services Hub
    • Digital Wallet Solutions
    • Transaction Banking 2.0 (Payments)
    • Alternative Card Networks
    • Mobile Devices as Payment-Acquiring Terminals
    • Mobile Proximity Payment Systems — North America
    • Social Network Payment System
    • Enterprise Mobile Financial Services Solutions
    • Online Bank-Enabled Payment (OBEP) Systems
    • Decoupled Payment Systems (U.S.)
    • Near-Real-Time Retail Payment Systems
    • OTA Mobile Phone Payment Systems (North America)
    • PIVAS — Reward and Loyalty
    • Biometric Payment Systems
    • OTA Mobile Phone Payment Systems (Europe)
  • Climbing the Slope
    • Mobile Proximity Payment Systems — Japan
    • Multipayment Application Instruments
    • 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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