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
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...
Account-to-Account Transfers
Join Javelin's Elisa Tavilla and Sophia Gonzalez as they discuss the growing trend of Account-to-account transfers.
The State of the U.S. Credit Card Industry
Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, where charge-offs threaten bank profits and create marginal returns ...
Why Data Isn’t a Zero-Sum Game in Payments
The fragmentation of the U.S. financial markets has created open-banking standards that are quite different from those found in Europe. In the United States, companies that enable permissioned access to account-level data have emerged to fill th...
Consumer Debit Payment Options in a Faster Payments World
This Javelin Strategy & Research impact note looks at potential ways FedNow and the RTP network by The Clearing House can support new use cases for instant consumer debit payments. Real-time payments enable retailers to improve customer experien...