Payments Research

Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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

Understanding Bitcoin: Blockchain Applications Beyond Payments

Javelin Report
Date: June 3, 2015
Author(s): Nikhil Joseph
Research Topic(s): Emerging

Everything You Wanted to Know About Bitcoin’s Blockchain but Were Afraid to Ask This Mercator Advisory Group report takes a deep dive into the technology behind Bitcoin and analyzes its potential to disrupt services beyond just payments.

A Glimpse of Mobile Shopping at Point-of-Sale in 2019

Advisory Webinar: Client Login Required
Date: June 2, 2015
Author(s): Mary Monahan, Daniel Van Dyke
Research Topic(s): Mobile & Online Banking, Tech & Infrastructure

By 2019, Javelin projects that mobile proximity payments will total $54 billion. To reach that revenue target, mobile proximity payments---payments made by consumers at the physical point of sale using a mobile device—will grow at a tremendous ...

Predictions for the U.S. Migration to EMV Debit Cards

Javelin Report
Date: June 2, 2015
Author(s): Sarah Grotta
Research Topic(s): Debit

EMV Debit Cards Are Finally Getting into the Hands of U.S. ConsumersIssuers’ deployment timing and tactics vary, so U.S. market saturation of EMV debit chip cards will take years.

Turning Digital Banking into a Financial Journey Starts with the First Paycheck

Javelin Report
Date: May 28, 2015
Author(s): Mark Schwanhausser
Research Topic(s): Mobile & Online Banking, Digital Strategy & Experience, Tech & Infrastructure, Digital Banking

This report details how to build digital banking on a foundation of time-tested personal finance principles and integrate tools, insight, and advice that will enable customers to develop healthy, lifelong financial habits with every login, in th...

Defining a Strategic Path for Banks Regarding EMV, Tokens, Apple Pay, and Mobile Apps

Javelin Report
Date: May 21, 2015
Author(s): Tim Sloane
Research Topic(s): Emerging

Research Forecasts Mobile Commerce Volume and Identifies Strategies for Filling the Gaps of Current Token-Based Payment MechanismsMercator Advisory Group research identifies mobile payment partners that can deliver ATM access, P2P services, and ...