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
International Faster Payments: A Growing Real-Time Presence
New Mercator Advisory Group research report reviews developments in global real-time payments.
Payment Hubs Give Way to Modular Delivery Model
The modular delivery of services in the payments allows rapid deployment of new wrinkles that offer consumers tailored, highly engaging experiences. This report looks at that modular delivery model and explores strategies to help payments compan...
Real-Time Payments: An Urgent Priority for Financial institutions
Real-time payments, which transfer funds almost instantaneously, are opening new opportunities for FIs to provide consumers with greater financial control and confidence. These are pivotal times, and FIs are squandering their advantages over no...
2022 Outlook: Commercial and Enterprise Payments
Mercator Advisory Group provides an early view into the success metrics that will drive commercial and enterprise payments as we move into 2022 and beyond.
2022 Outlook: Credit
Results in 2021 were stronger than expected for the U.S. credit card industry. Revolving debt rebounded, delinquencies and losses stayed at record low levels, and new accounts grew by 40 million as both consumers and issuers gained confidence in...
2022 Outlook: Debit and Alternative Products
Debit cards retain their “King of Payments” title for another year, but the decline in savings rates and fewer government benefit disbursements signal slower payment growth for debit cards for the remainder of 2021 and 2022. The market for ‘pay ...
2022 Outlook: Emerging Technologies
Payments, and the payments landscape, are changing fast. Financial institutions, issuing processors, the global card networks, acquirers, acquiring processors, and merchants are all upgrading their infrastructure. It is no longer possible to ign...
2022 Outlook: Merchant Services
Mercator looks back to 2020 and ahead to 2022 to provide our perspective on the merchant services and transaction processing ecosystems. Our forecast for this year was very accurate, COVID-19 notwithstanding, and we are confident that our roadma...
2022 Outlook: Prepaid
In this viewpoint, Mercator examines the prepaid card market, revisiting the forecasts we made last year, identifying current trends, and offering predictions for the future. On the whole, the market is one of the fastest growing segments of the...
2022 Payments Trends & Predictions
The COVID-19 pandemic brought sweeping changes to the ways consumers make payments. If anything, 2022 could see even more dramatic shifts in payment trends, particularly in terms of regulation, how card networks position themselves technological...