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

Open Banking Pushes Interoperability to the Payments Forefront

Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...

Fintech Trends in Corporate Banking

This impact note reviews the developments and trending movement of fintech as it relates to the corporate transaction banking space, which in effect is regarded as business-to-business (B2B) and business-to-government (B2G) use cases with all th...

Gen Z is Reaching Adulthood and Merchant Service Providers Need a Plan

  • Javelin Report
  • Date: January 24, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
Gen Z, defined as those born in 1997 or after, must be a top priority for all merchants and their service providers. Merchants need to build relationships with Gen Zers now in order to rack up sales and have relationships with young consumers th...

U.S. Commercial Prepaid Card Market Forecast

This report covers Mercator Advisory Group research and expectations in the commercial prepaid market. Highlights include trends for both open-loop and closed-loop products.

Prepaid Mobile Expanding Its Use Case in a 5G World

Prepaid mobile subscriptions provide simple and low-commitment options to connect to connected systems easily. With expanding technology, prepaid mobile will connect people through smartphones and serve as their primary connection to high-speed ...

Outside Regulatory Forces Impact Prepaid Market

This report covers Mercator Advisory Group research and expectations on how economic and regulatory issues are affecting the prepaid card market.

2023: The Year Digital ID Reaches Your Wallet (and Changes How You Pay)

Wallet-based digital ID will create a wedge between universal wallets and payment apps, as embedded finance product offerings converge on feature parity over time.

Business-to-Business Faster Payments on the Rise

Readers interested in faster payments systems, including real-time, near-real-time, and same-day settlement, will want to review this paper, particularly if their interest is in business-to-business (B2B) uses. The paper covers recent developmen...

Merchant Service Providers’ Most Important Work Starts After the Holidays

  • Impact Note
  • Date: December 12, 2022
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
The 2022 holiday sales season looks to be a strong one for merchants, but they’ll need help from service providers to survive and thrive into 2023 and beyond. 

Secured Card Market in 2022

  • Javelin Report
  • Date: December 9, 2022
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Despite its long history of ups and downs, the secured card market is ripe for opportunity. The product excels as a credit-building tool used to enable credit access. We track exciting new programs in the field and analyze the current marketplac...

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