The Bottom Line

Get to the bottom of all things banking with weekly expert musings from SRM. The Bottom Line takes what we hear from financial institutions, fintechs, and industry influencers - separating the news from the noise. We offer unfiltered observations and thoughtful forecasts responding to industry developments and trends as they happen, with emphasis on how financial institutions can better serve their stakeholders.

Chase Pay’s Demise and Apple Card’s Denim Aversion

Posted by Ginger Schmeltzer on Sep 29, 2019 9:00:00 AM

Chase Pay’s Demise and Apple Card’s Denim Aversion

Another day, another disruption in the payments universe. Just since we released the latest SRM Academy report on the next wave of payments disruptorsreal-world examples of this phenomenon have emerged on a near daily basis. At the crest of the latest wave, Apple’s much-hyped credit card has moved beyond the bleeding edge and entered full rollout mode, complete with the barrage of enticing TV commercials Apple is known for. 

Download White Paper

Read More

Topics: Apple Pay, Chase Pay

The Apple Card and Payments Disruption

Posted by Ginger Schmeltzer on Sep 22, 2019 9:00:00 AM

The Apple Card and Payments Disruption

We were well aware of the Apple Card’s imminent arrival when drafting the latest SRM Academy report on the next wave of payments disruption. The new credit card is an important development, but not an earth-shattering one. Stepping back from the breathless hype that accompanies any Apple product launch, this is more an incremental step in a trend that has been ongoing for some time.

Download White Paper

Read More

Topics: Apple Card, Credit Card, Apple Pay

Contactless Cards: Is the Train Leaving the Station?

Posted by Larry Pruss on Sep 8, 2019 9:00:00 AM

Contactless Cards Is the Train Leaving the Station

Despite all the forecasts concerning a downdraft in the economic climate, the payments pie continues to grow. With GDP on the rise both in the United States and globally, the overall value of retail purchases is also trending upward. However, research from the Federal Reserve reveals a less obvious pattern: growing even faster than average ticket price is the sheer number of payment transactions.

Read More

Topics: Contactless Cards, NFC, Open Loop

Subscribe to our blog

Recent Posts