Payments Research

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


Real-Time Payments 2013: Struggling Toward Revolutionary Change

  • Whitepaper
  • Date: March 15, 2013
  • Research Topics(s): Payments
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...

A New Model to Deepen Customer Loyalty Programs: AVENUE Model

Leading rewards and loyalty programs deepen participant value enabling customers to use accumulated points toward purchases.

How to Build Better Online and Mobile Bill-Pay for the Underbanked

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...

Top Trends in 2013 Transforming Financial Services: Banking, Mobile, Payments and Security

Join us as we announce the Top Trends for 2013 for Financial Services, transforming banking, mobile, payments and security.

Mobile and Alternative Payments Are Changing Online Retail into 2017

  • Advisory Webinar: Client Login Required
  • Date: January 16, 2013
  • Research Topics(s): Payments
The U.S. online retail payments market grew to $318 billion in 2012. Mobile and alternative payments are fuelling online retail payments to reach an additional $140 billion in the next five years.

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