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

Reports

Payment Card Controls: Overcoming Impediments Through a Consumer Financial Enablement Strategy

  • Javelin Report
  • Date: January 24, 2019
  • Research Topics(s): Payments
Payment card controls are features of digital banking that consumers want but the financial services industry has failed to deliver effectively at scale. Despite adoption by card companies and some financial institutions, consumer adoption has b...

2019 Small Business Digital Banking & Payments Trends

Development in consumer digital banking accelerated during 2018, with several top banks rolling out engaging experiences incorporating advanced and engaging features like chatbots, personal finance tools, and more. Unfortunately, digital experie...

2019 Payments Trends

  • Javelin Report
  • Date: January 14, 2019
  • Research Topics(s): Payments
Payments have been slowly evolving for the past decade. However, the pace has accelerated over the past few years, forcing infrastructure and organizational changes to meet the demands of payment modernization. The move to improve efficiency, sp...

Using Small Business Credit Cards as a Relationship Builder

In today’s highly competitive acquisition arena, deposit growth has slowed and organizations are looking for strategies to attract and retain profitable relationships. Market indicators show that the benefit of key services, such as those offe...

The Battle for P2P: Should your FI be supporting Zelle, Venmo, both, or neither?

  • Advisory Webinar: Client Login Required
  • Date: December, 2018
  • Research Topics(s): Payments
Emerging devices and channels offer tremendous opportunities for payments innovation, but data security continues to be a limiting factor. Consumer devices are notorious for poorly-conceived data safeguards. Even when secure hardware is availabl...

Zelle vs. Venmo: Financial Institutions and Third-Party P2P Providers

  • Javelin Report
  • Date: November 8, 2018
  • Research Topics(s): Payments
This report evaluates the key areas payment professionals need to consider as P2P becomes a component of a payment mix strategy.

Payments, Blockchain, and Consumer Data Privacy: A Fork in the Road

  • Javelin Report
  • Date: October 25, 2018
  • Research Topics(s): Payments
This report takes a closer look at why consumer sentiment is a risk in deploying blockchain and provides guidance on how blockchain can meet consumer needs for data protection and privacy.

Small Business Mobile Banking: A Priority Map for Feature Leadership

In the two years since our 2016 report “Overhauling Mobile Banking for Small Business,” new Javelin research reveals a glaringly consistent finding: Business owners remain underwhelmed by the mobile capabilities offered for small business bankin...

South Dakota v. Wayfair Inc.

As digital commerce has developed over the past 30 years, the Supreme Court of the United States (SCOTUS) has twice ruled on the issue of taxation. Most recently, a June 21, 2018 ruling in South Dakota v. Wayfair Inc. now allows a state to colle...

New Small Business Neobanks Hit the Market

In May 2018, Javelin published an overview of the nascent market of small-business-focused neobanks — fintech companies that have built a branchless, mobile-first feature set for business owners while partnering with chartered banks to hold depo...

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