What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
Overcoming False Positives: Saving the Sale and the Customer Relationship
This whitepaper, sponsored by Riskified, analyzes the prevalence of false-positive declines in the U.S., explores key consumer segments disproportionately affected by incorrect declines, and presents best-practice solutions for merchants.
A Thought Experiment: Could Credit Cards Disappear?
Investigating a thoroughly disruptive possible future for the U.S. consumer credit card market
How Many Sidechains Can Bitcoin Economics Support?
Mercator Advisory Group Identifies How VC Investments Could Cripple Bitcoin Stocks, Titles, Software Distribution—New research shows how venture capital funding new solutions using the blockchain could cripple the Bitcoin economy
Executive Insight: Are the U.S. Chip Rules Enough
A longer term view of security and the payments landscape is needed.
Have The Alternative Payment Providers Won?
Banks and credit unions are finding innovation difficult in a heavily regulated marketplace.
Turning Off Paper Leads to "Digital Commitment Gap"
Digital banking is a way of life, yet only 2 of 5 bank statements are delivered digitally. Financial institutions and billers have tremendous opportunities to close this “digital commitment gap,” saving over $2.2 billion over the next five years...
Global Interchange Regulation: Pandora’s Box for Commercial Cards?
Regulation could affect the future of commercial card programs Mercator Advisory Group examines recent global regulations regarding payment card interchange and fees and their potential impact on commercial cards
Migrating to EMV: The (Not So) Final Countdown
U.S. migration to EMV slows as the October liability shift looms Updated Mercator Advisory Group projections indicate a slower than expected transition to EMV due to unanticipated complexities
European E-Commerce Alternative Payment Providers Gaining Momentum
Can Alternative Payment Methods Challenge Cards for E-Commerce Transactions? Mercator Advisory Group releases new research examining European landscape of e-commerce alternative payment solutions
Debit Transactions in an EMV World: A Practical Guide
Understanding Debit Transactions Can Reveal Opportunities Mercator Advisory Group research details processing flow of debit transactions and the impact of market changes on payment transaction routing