Jessica

Jessica

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在日本,每年6月份,日本政府主要发布防灾、老龄化社会、环境、犯罪等社会白皮书;7月发布经济财政、贸易、科技、劳动经济、中小企业等经济白皮书。日本内阁府的《经济财政白皮书》、经济产业省的《贸易白皮书》、文部科学省的《科技白皮书》并称为日本三大白皮书。 2015-07-03, 11:00更多
CHART: Debit cards could be hampering networks' EMV migration progress

CHART: Debit cards could be hampering networks' EMV migration progress

The?US?EMV?migration?is?moving?at?its?expected?pace?—?70%?of?US?credit?cardholders?now?have?chip?cards,?according?to?CreditCards.com.?But?new?data?from?CardFlight?indicates?that?the?speed?of?the?migration?differs?between?card?networks:

88%?of?Amex?cards?presented?to?CardFlight?merchants?in?February?had?chips,?compared?to?83%?last?October.
58%?of?Visa?cards?had?chips?in?February,?compared?to?53%?last?October.
Discover?and?MasterCard?are?the?furthest?behind,?with?53%?and?47%?of?cards?having?chips?in?February,?respectively.
Though?CardFlight’s?data?indicates?that?every?network?is?issuing?more?chip?cards?now?than?in?October,?it?also?illustrates?how?running?a?debit?business?could?be?handicapping?networks’?migration?progress.

The?EMV?debit?migration?is?progressing?much?more?slowly?because?of?the?regulatory?environment?surrounding?it.?Only?25%?of?debit?cards?are?predicted?to?have?an?EMV?chip?by?the?end?of?the?year.?That’s?because?the?Durbin?amendment?to?the?Dodd-Frank?Act?mandates?that?merchants?have?at?least?two?unaffiliated?debit?networks?through?which?they?can?choose?to?route?debit?transactions.?But?EMV?technology?is?designed?to?work?over?only?one?network,?which,?in?turn,?complicates?the?process?somewhat?for?card?networks?and?issuers.
Apart?from?prepaid?cards,?Amex?doesn’t?run?a?debit?network?or?issue?debit?cards,?which?could?be?accelerating?its?migration?compared?to?its?peers.?In?the?US,?Visa?had?469?million?debit?cards,?compared?to?just?313?million?credit?cards?in?2015.?MasterCard?had?512?million?debit?cards,?compared?to?570?million?credit?cards.?And?Discover?runs?its?own?debit?network?and?also?issues?debit?cards.?American?Express,?meanwhile,?mainly?has?to?manage?the?migration?of?credit?cards,?which?likely?explains?why?it′s?so?far?ahead.?

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