Features:

• Top 10 Fraud Threats - With the revolution in payments has come an increase in fraud threats. While the transition from paper-based to electronic payments has improved efficiency and lowered long-term costs, it has also opened new avenues for criminals to exploit the system. We present the top 10 threats to the payments system today and outline measures financial institutions can take to handle those threats.
  
  
• Fees Under Pressure - Over the last few decades, retail banks have increasingly relied upon fee income to bolster the bottom line against the ups and down of net interest income. But now that reliance has come under regulatory and competitive pressure. We analyze how financial institutions can cope with the challenges to overdraft and credit card interchange fees and transition to a new business model less reliant on fee income in general.
  
  
• Payments Preferences - What do consumers really want when it comes to payments? To answer that question, we present the results of BAI’s groundbreaking 2008 Study of Consumer Payment Preferences, which provides a definitive, up-to-date guide to how consumers pay in different venues and why. The study, a joint effort with Hitachi Consulting, will also show how consumer payment habits are likely to change in the future. A must-read for both payments and retail banking executives.

Bonus Distribution:

• BAI TransPay^SM Conference & Expo 

Advertising Close: November 11, 2008
Materials Due: November 19, 2008