Boston, January 15, 2015 – Retail banking and payments enters 2015 on the heels of a roller-coaster year marked by dozens of major data breaches, Apple's splashy entrance into payments, and European regulators working diligently to remake card payments. In the United States, the economic recovery continues to proceed at a measured pace; in Europe, China, and the Middle East, however, the outlook is not so rosy. Amid this mix, evolution and continued regulation will see efforts long in process go into effect the world over—European regulation, U.S. EMV, and mobile payments (finally!) among them.

Aite Group reveals the top 10 trends that will shape the retail banking and payments industry in 2015:

• The European card market poises for a shake up
• EMV comes to the United States
• Mobile payments finally arrive?
• Smart customer experiences gain the edge
• Cryptocurrencies are forced to abandon their anti-establishment roots
• Financial institutions outsource digital marketing
• Big data takes on fraud
• Debt collections IT gets a much-needed facelift
• Payment networks are forced to evolve
• Core banking goes mobile

This Impact Note is 18 pages long. Clients of Aite Group's Retail Banking & Payments service can download this report.