What shapes consumer transactions and payment technologies, and where is it going?
Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.
Payments Research
Reports
Prepaid On The Verge of a Digital Takeover
Digital options in the prepaid payments industry appear poised to take control over the next decade, pushed by consumer demand, technological advances, and a shrinking financial world. The time is now to adopt a digital-first approach to engage ...
Movements in Global Commercial Payments and Banking: 2024 Edition
Global commercial banking and payments are evolving swiftly, driven by technological progress, evolving corporate habits, and emerging market dynamics. This puts businesses on the spot to respond in ways that keep them competitive, minimize expo...
Visa and Mastercard Settle With Merchants: What Does It Mean?
The recent settlement of a class-action lawsuit pitting merchants against card networks Mastercard and Visa is attention-getting, not least of all for the $30 billion price tag. Merchants have long been vocal about rising interchange costs and w...
Five Ways Assertive Regulators Will Shape the Future of Payments
The past few years have seen an increased role for U.S. regulators across financial services, with crackdowns against banking partnerships, crypto coin minters, credit card issuers, card network pricing, and a wide variety of lenders ranging fro...
High-Yield Savings Accounts: An Efficient Way to Fund Credit Card Loans
Credit card lending requires funding, and banks with credit card programs find themselves at an interesting point: The prime rate is at its highest level in decades, and in anticipation of decreasing rates in late 2024 and 2025, banks might want...
Identity as a Digital Asset: Tokenizing the Self
Decentralized technologies, including blockchain, provide a secure foundation for building identity solutions that are not only secure but also provide users with the ability to control access to their personal information. Additionally, these i...
Mitigating Risk in Prepaid Card Programs
Risk mitigation is crucial in gift card programs to provide positive customer experiences, protect against fraud and financial losses, and to secure organizational systems. Implementing measures such as employee training, usage tracking, and fra...
Surveying the Payments Consultants: The Services Overview
The next wave of payment modernization is rolling in. Technology has emerged to power more advanced payment solutions, including real-time payments rails and open banking. It follows previous iterations of technological transformations that laid...
A New Era of Chargeback Management
The chargeback—a forced refund to a cardholder’s account that is initiated by the issuing bank—turns 50 years old later this year. The maneuver, legislated into existence to foster trust in card payments at a time when few consumers were using t...
Get Out Your Wallet: Gen Z Debit Payment Preferences
Generation Z—those born from 1997 to 2012—is coming of age and moving steadily toward greater financial maturity. Members of this generation differ from their elders in significant ways, including a strong preference for debit and digital paymen...