Dominic Hirsch / Dominic Hirsch is managing director of Retail Banking Research, a London-based strategic research and consulting firm.
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Next wave of card fraud prevention solutions needed

Two separate studies into card fraud, published in recent weeks, highlight the same problem: Following several years of decline, card fraud levels are once again on the increase. The European Central Bank has just released its latest card fraud report,...

How worried should deployers be about end of XP support?

Virtually all ATMs around the world use a Windows operating system, and many still use Windows XP. Microsoft released XP in October 2001 and is ending free support on April 8 — from this date users will no longer receive...

ATM use provides insights into future deployment potential

The recent publication of RBR's annual survey of the global ATM market provides a timely opportunity to examine the state of the ATM industry. The headline figures show strong growth of 8 percent in the number of ATMs worldwide, reaching a total of 2.6 million by the end of 2012.

There's something for everyone in latest global payment cards data

The publication of RBR's global payment cards research provides, among other things, an annual opportunity to analyze how the different card schemes are matching up. Last year's research highlighted the meteoric rise of UnionPay, and in many ways this remains...

ATM focus shifting from hardware to software

People often ask me if ATM hardware is commoditised. The answer, perhaps surprisingly for a product that is nearly 46 years old, is no.

White label ATMs will drive massive expansion in Indian market

Following many years of unfulfilled potential, the Indian ATM market started expanding a decade ago — driven first by the country’s private sector banks, and latterly by the State Bank of India. In 2003, the Indian ATM installed base grew...

The increasingly complex TAU market

The global base of teller assist units grew by 3.8 percent between 2010 and 2012, according to new research from RBR. This relatively modest growth rate is lower than the previous two-year period, but should not be viewed as a...

Why deposit automation is key to digital payments

The future of cash, ATMs and electronic payments are inextricably intertwined. The relationships are not straightforward, which makes it difficult to predict how the payments industry will evolve. While it seems certain that electronic payments will continue to grow, it...

The global ATM market is growing, but what do the numbers mean?

At face value, RBR’s latest research on the global ATM market shows an industry in remarkably good health. The number of ATMs worldwide increased by 7.6 percent to 2.4 million last year, led by exceptional growth in China, India, Indonesia,...

Fragmentation of ATM fraud reflects impact of counter-initiatives

Regular attendees at the annual ATM Security conference, organized by RBR and ATMIA, will be aware that card skimming often dominates discussion — this is not that surprising because skimming is by a long way the most significant ATM crime....

Entry of foreign players into Chinese cards market will be painfully slow

Visa and MasterCard will be pleased that the WTO ruling on July 16 broadly supported a U.S. Trade Representative complaint that China UnionPay holds a monopoly on yuan-denominated payment cards issued and used in China.  Making inroads into the Chinese domestic payment cards market will still be painfully slow for foreign schemes, however.

Cash protection technologies: Do they deliver?

I have taken the title for this blog from a panel discussion held at the recent European Security Transport Association (ESTA) conference in Bratislava. It is a controversial question which is relevant not just to CIT companies, but also to...

ATM outsourcing’s enduring mystery

Outsourcing in banking is not new — the past decade has seen widespread use of outsourcing in areas from call centers to back office IT — and yet when it comes to ATMs, outsourcing is still to be fully embraced....

E-commerce and low value payments key to future of merchant acquiring

The merchant acquiring sector is undergoing a period of unprecedented change. It navigated the global economic slowdown relatively unscathed, but that is not to say that it is not under pressure. The industry is becoming increasingly competitive, and margins are...

New insights into anti-skimming and banknote degradation solutions

The findings of RBR’s latest survey of European ATM markets have just been released. One of the things that makes the most recent research findings particularly interesting is that they include a number of new metrics for the first time.

ATM security threats diversify

The world's largest ATM security conference (ATM Security 2011) was held in London last month and it is clear that ATM security is still a major issue. Skimming remains the dominant threat, although losses are falling in most countries. Ironically,...

Is closed loop the future of biometrics in banking?

Two years ago I asked the question, "When will biometrics break into the big time?" In the intervening period there has been no progress toward global or even national standards for biometrics in retail banking, but that is not to...

How not to phase out checks

People living in the majority of countries that do not use, or make limited use of, paper checks will be mildly amused if they have been following the controversy in the UK around this archaic payment instrument. For some, the...

UnionPay overtakes Visa to become world’s largest card scheme

The results of RBR’s latest global payment cards research provide remarkable reading. Several findings stand out, including surpassing a phenomenal eight billion cards worldwide, a fall in the number of cards in North America and more than 10 percent growth in the debit and prepaid sectors.

Will Canada spur others to adopt polymer banknotes?

This is not the first blog relating to Canada's move to polymer notes, but I thought you might be interested in Banking Automation Bulletin's take on the issue. Canada’s announcement that it will be issuing a new polymer $100 banknote...

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