The Lydian Journal features cutting-edge commentary from the world’s top financial thinkers. A free publication available exclusively on PYMNTS.com, the Lydian Journal covers several topic areas key to the payments industry, including developments in technology, regulation, business practices, and social commerce.
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March’s Feature Articles
ECONOMICS AND CONSUMER STUDIES
The Net Effects of the Proposed Durbin Fee Reductions on Consumers and Small Businesses
This article examines how the Federal Reserve Board’s proposed implementation of the Durbin Amendment will affect consumers and small businesses. Read More
RISK AND SECURITY
Managing the Risks and Security Threats of Mobile Payments
The consumer financial services industry has spread the benefits of electronic payments across the planet. By linking financial institutions, cardholders and millions of merchants around the world, global payment networks are facilitating commerce in ways and in places previously unimagined. Read More
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BUSINESS
Processors: Connecting the Dots for Payments Growth?
Regulatory, competitive and technological change in the payments ecosystem over the next 24 months will be rapid. Whether we are considering mobile or another evolving transaction ecosystem such as prepaid accounts or social commerce, end-to-end processors are uniquely positioned to fulfill a critical role in building the ecosystems that flourish in this environment. Read More
LAW AND REGULATION
A Response: U.S. v American Express, et al. – Making Everything Out of Something
In 2009, $2.87 trillion of business was transacted using payment cards issued in the U.S. by American Express, Visa and MasterCard. For each transaction, a merchant typically pays between 1-3 percent of the charge, depending on whether a debit card or high-reward charge card is used. Read More
DEVELOPING COUNTRIES
Electronic Payments in India: Looking Back and Surging Forward
The first decade has been an eventful and possibly watershed period in the Indian economy, with consistently high GDP growth, a mobile revolution resulting in over 700 million connections, rapid point-of-sale (POS), ATM and branch expansion, the establishment of eCommerce and the penetration of plastic in millions of wallets across the country. Read More
More Feature Articles from Past Issues
