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
2024 Mass-Market Credit Cards Scorecard
Mass-market credit cards must balance features and rates to attract average U.S. consumers. This Javelin Strategy & Research report benchmarks general-purpose credit cards by 10 major issuers with an eye toward the most appealing pitches across ...
21st Annual U.S. Closed-Loop Prepaid Card Market Forecast, 2024-2028
Closed-loop prepaid programs continue enjoying strong growth across the breadth of the industry. In this annual report, Javelin Strategy & Research takes a look at the market for closed-loop prepaid programs across a range of categories and iden...
2024 Commercial ePayables Scorecard
ePayables providers were assessed quantitatively and qualitatively across four categories: Supplier Enablement, Cross-Border, Ledger and Back-Office Integration, and Infrastructure and Architecture. This broad-based and robust evaluation allowed...
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
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
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...