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

Disbanded Co-Brands: When Credit Card Joint Ventures Fail

The robust credit card co-brand market represents more than 300 million U.S. cards. However, the relationship requires partnership and cooperation between all parties, and successful examples of this harmony have flourished. However, friction be...

Credit Card Issuance by Small Issuers: Strategies, Risks, and Options

Community banks, credit unions, and banks of all sizes face an imperative of having a presence in payment cards. With almost 600 million credit cards in the United States and 230 million adults using them, these cards are the standard access veh...

Managing Cards as a Service

Companies that provide card-as-a-service (CaaS) offerings are flourishing under a range of descriptions. The overlaps among CaaS providers, banking-as-a-service (BaaS) providers, and payment processors can be considerable, as each acts as an int...

Shredding Inefficiency: A Blueprint for Eliminating Paper Checks

The use of paper checks in commercial payments doggedly persists, accounting for 33% of such transactions globally, with an overwhelming number of corporations still accepting checks and sending them out. It’s past time to make the switch to ful...

Eco-Focused Payment Cards: It Pays to Be Green

As financial institutions and card issuers increasingly embrace sustainable practices with their card programs, they’re also finding a way to engage their customers with innovative, recyclable materials for the physical cards and compelling opti...

How Recurring Payments Through Subscriptions Drive Business Growth

Subscriptions are flourishing, in line with rising generations of consumers who value accessibility to services over the ownership of things. With those subscriptions come recurring payments, which are popular with merchants and consumers alike....

Javelin Prepaid Consumer Sentiment: A Generational View

Looking at the usage of prepaid card products across generations reveals some interesting insights card companies can use in targeting their messaging. Consumers in the younger generations—Generation Z (born in 1997 and later) and Millennials (b...

US Instant Payments: A Catalyst for Growing Commercial Payments and Banking

This report, sponsored by Volante Technologies, reviews the challenges and benefits associated with financial institutions’ adoption of real-time payments in the United States given the increased options that are now available. This research rep...

B2B Offers Open the Door to a Digitally Connected Consumer

This report, sponsored by Fiserv, explores the impact of consumer-directed business-to-business prepaid card programs in engaging the transition to digital platforms for gift-giving and self-use.

Can Pay-by-App Compete With Pay-by-Phone?

The largest retailers are trying to get consumers to bypass the more popular digital wallets and make payments directly through mobile apps. Consumer preferences, regulatory agencies, emerging technologies, payment incumbents, and merchant inter...

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