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Jacob Morgan

Senior Analyst

Jacob serves digital business professionals, helping them understand and respond to the challenges of digitizing their business strategy as well as understand how culture, technology, and organizational change can help accelerate transformation and innovation. Jacob advises digital business leaders on how to drive forward their digital agenda within financial services and other verticals, with research exploring digital business strategy, evolving collaborative business models, API business strategy, open banking, consumers, digital and mobile payments, as well as emerging disruptive trends. He is based in the UK and has global coverage.

Previous Work Experience

Jacob joined Forrester from Capital One (Europe) where he worked for the CIO as a senior consultant in digital innovation. His role included digital strategy, transformative change, managing the future payments strategy, and market scanning for emergent opportunities. Jacob also spent a number of years at Capital One working as an IT architect and business systems analyst, delivering the architecture for contactless payments. Prior to Capital One, Jacob spent four years working for the chief executive of a not-for-profit sector organization, leading online adoption and technology integration.

Education

Jacob holds a degree in English literature from the University of Nottingham.

Jacob serves digital business professionals, helping them understand and respond to the challenges of digitizing their business strategy as well as understand how culture, technology, and organizational change can help accelerate transformation and innovation. Jacob advises digital business leaders on how to drive forward their digital agenda within financial services and other verticals, with research exploring digital business strategy, evolving collaborative business models, API business strategy, open banking, consumers, digital and mobile payments, as well as emerging disruptive trends. He is based in the UK and has global coverage.

Previous Work Experience

Jacob joined Forrester from Capital One (Europe) where he worked for the CIO as a senior consultant in digital innovation. His role included digital strategy, transformative change, managing the future payments strategy, and market scanning for emergent opportunities. Jacob also spent a number of years at Capital One working as an IT architect and business systems analyst, delivering the architecture for contactless payments. Prior to Capital One, Jacob spent four years working for the chief executive of a not-for-profit sector organization, leading online adoption and technology integration.

Education

Jacob holds a degree in English literature from the University of Nottingham.

Jacob Morgan's Most Recent Research

Research

How To Determine If It's Time For You To Use Card-On-File Payment Tokens

The Benefits And Drawbacks Of Using The Newest Evolution Of Payment Tokenization
May 19th, 2021 | Lily Varon , Jacob Morgan , Madeline Cyr

Card-on-file payment tokens (PTC) offer better lifecycle management than other types of payment tokens while still offering the fraud protection that merchants...

6 min read
Research

Demystifying The Latest Payment Token Type For Retailers, Brands, And Other Merchants

The Use Cases For Payment Tokens Are Growing
May 17th, 2021 | Lily Varon , Jacob Morgan , Madeline Cyr

Merchants, familiarize yourselves with card-on-file payment tokens today. Card-on-file payment tokens — often called "network tokens" today — are the latest...

5 min read
Research

Forrester’s Brief Guide To Payment Tokens​

May 14th, 2021 | Lily Varon , Jacob Morgan

There are new payment token types and use cases that merchants must understand if they are to modernize their payments acceptance strategies in line with...

1 min read
Research

How To Succeed With Marketplace Business Models In Financial Services

Hint: Build A Collaborative Business Model Strategy
April 12th, 2021 | Jacob Morgan

The financial services industry is already responding to platform-driven change, of which the marketplace approach is the most likely winner. This report...

12 min read
Research

The Forrester New Wave™: Open Banking Intermediaries, Q1 2021

The Nine Providers That Matter Most And How They Stack Up
March 17th, 2021 | Jacob Morgan

In Forrester's evaluation of the emerging market for open banking intermediaries, we identified the nine most significant providers in the category — Bud...

11 min read