Javelin Research

In 2012, online retail payments reached 7.4% ($318 billion) of all retail transactions. The thriving online market is an increasing target for fraudsters, particularly with EMV, or “Chip and PIN,” expected to significantly curtail card fraud at the...
Mobile bankers are valuable customers: rich, young, and flush with profitable bank products and services. The products and services are saving financial institutions money — as the number of mobile bankers has grown, branch visitation has decreased...
Contemporary research on the financial impact of data breach events has focused on costs to businesses and institutions, but largely ignored their effect on the consumers whose personally identifiable information (PII) is compromised. This report...
The dynamics of the card-issuing business — and, in turn, those of the banking industry — have changed dramatically in recent years as an array of economic, regulatory, and governmental factors and initiatives have combined to drive expansion in the...
As smartphones and tablets become increasingly cost-effective and powerful, mobile POS (point of sale) acceptance is posing a growing threat to traditional terminal-based solutions and vendors. Mobile POS provides all the existing functionality of a...
At 92.6% of total U.S. retail dollar volume, the point of sale (POS) retail market towers above the online market and will continue to do so for years to come. But the growing popularity of the digital realm has fundamentally altered the nature of...
With the expansion of electronic and mobile commerce, consumers and businesses have broadened their expectation of “always on” immediacy to incorporate payments. No longer is two-day or even next-day payment or funds movement adequate when there are...
In 2012, account takeover and new-account fraud each rose by approximately 50% over the previous year. These two fraud types impact consumers most severely, and they are historically more difficult for FIs to prevent and detect than any other major...
When it comes to paying bills, too often the nation’s 37 million underbanked Americans do it using hard and costly ways: in cash, and in person, by mail, or by phoning call centers. This creates an opportunity for financial institutions, billers,...
In the six years since Apple launched its iPhone, smartphones have imbued consumers with always-on, always-with-me, real-time expectations that create an urgent need for the financial services industry to break free of 1980s thinking about personal...

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