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

What Mobile Wallets Are Doing to Defend Against Competitive Threats

OS-based mobile wallets, particularly Apple’s, maintain the dominant share of the market. But challengers are coming in various alternative payment forms (such as account-to-account transactions) and in-app payments favored by merchants wishing ...

Walmart Pay-by-Bank: How the World’s Largest Retailer Could Transform Real-time A2A Payments

Walmart’s announcement that it will offer shoppers the option to check out with instant pay-by-bank payments beginning in 2025 is a major development for real-time payments, pay-by-bank, and the retail industry in the United States. As the world...

Stablecoins and the Path to Innovative Money Movement

Cryptocurrencies are making inconsistent progress in the United States. The regulatory environment, at best, sends mixed signals. Consumer attitudes are wary. Even as bitcoin values surge, viewpoints range from outright distrust sowed by scandal...

Making the Most of Tap-to-Phone Technology

  • Javelin Report
  • Date: September 30, 2024
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Digital wallets are made possible by a chip in smartphones that enables the phones to function like payment cards when they’re tapped on an accepting terminal device. Now those same chips, utilizing near-field communication technology, have been...

Have You Been on a Digital-Only Magic Carpet Ride?

The digital-only payer—one who has left behind the physical wallet and its tangible payment forms—is a popular creature in the media, one who fronts declarations that all-digital payments have taken over. But the data points paint a more complic...

A Sneak Peek into Money 20/20 USA with Javelin's Experts!

Javelin analysts recently sat down to discuss the hottest issues in the payments industry ahead of the upcoming Money 20/20 USA in Las Vegas.

Market-Driven, Risk-Based Credit Card Pricing Works: Price Controls Would Disrupt Borrowing and Lending

  • Impact Note
  • Date: September 26, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
A 10% cap on credit card interest rates—an idea floated in the presidential race—would have profound effects on the credit card market, cutting deeply into how credit cards are priced and provisioned against losses and necessitating moves by the...

Demystifying Payment Orchestration for Banks

Payment orchestration for banks is fundamentally about lowering costs, increasing efficiency, and creating better customer journeys. The process of building orchestration architecture, however, is more complicated for banks than it is for mercha...

2024 Prepaid Regulatory Update: Playing by the Rules

Javelin’s annual update covers how economic and regulatory issues are affecting the prepaid card market. This report covers direct and broad-scale regulatory changes occurring in 2024, putting a particular lens on their effects on various prepai...

Global AR/AP Automation: Improving Cash Visibility and Reducing Risk

In an increasingly complex and competitive world of commercial payments, automation of the accounts receivable and accounts payables processes allows companies to maintain tighter control of spending, take better advantage of price breaks, and e...

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