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
Late Fees: A Regulatory Hot Button, Not a Junk Fee
The Biden administration has announced an effort to rid consumers of so-called “junk fees,” and in the context of credit cards, attention is focused on late fees assessed on delinquent accounts. But such fees are not “junk.” They are transparent...
What the Expansion of International Instant Payment Rails Could Mean
India has global ambitions for the Unified Payments Interface (UPI), its wildly popular and admired instant payments system. The way it has positioned the system—and similar moves elsewhere, such as Brazil (with Pix)—serves as a model for countr...
The Merchant Side of BNPL
Join Javelin’s Daniel Keyes and Christopher Miller as they discuss what the rise of Buy Now, Pay Later (BNPL) solutions means for merchants, and how merchant services providers can help their clients navigate this modernized version of layaway.
Tracking Emerging Payments Technologies: Adoption is Not Enough
Join Javelin's Christopher Miller and Daniel Keyes as they discuss the North American PaymentInsights (NAPI) Digital Transactions and Emerging Technologies Survey.
What We’ve Learned Four Years After the Acquirer Megadeal Spree
We are four years clear of three megadeals in the merchant acquiring space—Fiserv’s addition of First Data, FIS’s acquisition of Worldpay, and the Global Payments-TSYS partnership—and now is the time to assess how the acquiring landscape has cha...
How Financial Institutions Can Plot Their Instant Payment Strategy
With the recent launch of FedNow, as well as the continued presence of The Clearing House’s RTP network, instant payments are poised to transform money movement in the United States. This will require careful consideration and planning by financ...
Non-Fungible Tokens in Loyalty Programs: A Dress Rehearsal for Tokenized Payments?
Loyalty programs are a staple of companies’ attempts to connect with their customers, but only about half of them receive consumer engagement. A rising movement toward the use of non-fungible tokens—NFTs—as exclusive offerings and as a new payme...
Gambling and Lotteries Open New Prepaid Markets
The kickoff of a new football season brings on an increased opportunity to gamble for Americans. As more states pass legislation in the wake of the deregulation of mobile gambling and, by association, mobile lotteries, new opportunities for play...
Receivables Management Automation for Small Commercial Enterprises: Impediments to Adoption
Automation plays a significant role in receivables management, saving businesses time and money by automating such tasks as invoice generation, payment tracking, and collection. It also improves accuracy and efficiency. However, implementing a s...
Global A2A Retail Payment Systems: Lessons for the U.S.
The launch of FedNow—the Federal Reserve Bank’s instant payment service—lets financial institutions offer their customers 24/7/365 access to transactions that are initiated and settled in seconds. This will spur the development of new payment me...