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
Global Regulatory Trends: Interchange Regulation
New research from Mercator Advisory Group examines the international state of interchange regulation.
Wholesale Lockbox Use Resurging Thanks to Electronic Invoicing
New research from Mercator Advisory Group examines the way technology is facilitating payments discounting and supply chain financing.
Account Activation: Awakening Zombie Accounts
With an estimated 159 million inactive general purpose credit card accounts at any time in the U.S., inactive accounts represent a massive drag on the credit card industry. Inactive accounts are to some extent an unavoidable cost of doing busine...
Prepaid Card Fraud and Risk Controls in the United States
New research from Mercator Advisory Group examines fraud risk and best practice
Mobile Wallet Game Changers: Strategies for Success in 2014
Mobile wallets are creating an enormous opportunity and an attractive target for investment, and consumer willingness to use mobile wallets is rising.
Bird-watching Reveals Only Part of the Sophisticated American Express Prepaid Plan
American Express realizes that prepaid cards are not solely for people without bank accounts, and has designed its prepaid strategy to engage multiple customer segments, including people who prefer debit cards.
The Three Stages of EMV Issuance: Entering Stage 2
EMV is becoming a standard feature for many of the credit products that support it. Will 2014 be the year when U.S. issuers finally ramp up reissuance?
Tenth Annual U.S. Prepaid Cards Market Forecasts, 2013–2016
Boston, MA – October 24, 2013 - The report titled Tenth Annual U.S. Prepaid Cards Market Forecasts, 2013–2016 is the third report in Mercator Advisory Group's annual trilogy of closely followed U.S. prepaid benchmark reports
International Contactless Payment Developments
Contactless payment technology is gaining traction in markets outside the United States with consumers who are increasingly using the payment form and merchants who are progressively providing more contactless-enabled terminals. Although it may...
How Mobile Can Open the Door to $2.1 Trillion in Bill Payments
Paying bills is an inescapable necessity for consumers, with $2.1 trillion in payments annually for just seven common types of bills in 2013, according to Javelin estimates. The mobile bill-payment industry is in its infancy — accounting for $36...