Javelin Research

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...
Identity fraud incidence increased in 2012 for the second consecutive year, affecting 5.26% of U.S. adults. This increase was driven by dramatic jumps in the two most severe fraud types, new account fraud (NAF) and account takeover fraud (ATF)....
As the smartphone-toting population crosses the 50% barrier, there are new opportunities and challenges to rethink and re-engineer the consumer transaction experience using new imaging technologies. Typing in a credit card number in an online...
This report will explain the key differences between these two young age segments, including overall characteristics, use and desire for personal finance management (PFM), their banking relationship, and their mobile preferences.

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