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
De-anonymization: Potential Impact on Payment Data Collection
In an increasingly interconnected technological world, consumers around the globe are either consciously or inadvertently handing over private data. Payment transaction data collected has great marketing potential, but it has a downside for cons...
2013 Online Banking and Bill-Payment Forecast: 29 Million Holdouts Primed for FI Bill Pay
Javelin’s 11th annual online banking and bill-pay forecasts reinforce that adoption will remain unacceptably flat through 2018 unless financial institutions take action to upgrade services, counter misperceptions about paying bills at FIs, and s...
Tenth Annual U.S. Closed-Loop Prepaid Market Assessment
Closed-Loop Load Growth Slows, but the Market Continues Forward
Virtual Currency: Digital Swords to Physical Goods
Virtual currency has evolved far past its humble beginnings of buying digital cows and swords. More than 47 million US adults were virtual currency users in 2012.
Durbin Year Two Survey
Regulation II requires covered debit issuers and payment networks to respond to a biannual survey designed to gather data pertaining to interchange fee revenue, issuer costs, and fraud losses. Even though the latest survey report shows that debi...
International Remittance Transfers: How to Tap $2.1B in Cross-Border Revenue
The United States is home to more immigrants than any other country in the world, and Javelin estimates that remittance providers could potentially collect upwards of $2.12 billion in fees from outbound cross-border transfers. But increasing glo...
Multicurrency Prepaid Cards Likely to Remain at Fringes of U.S. Payments Mix for Now
Around the world, financial institutions and other prepaid card providers are selling multicurrency prepaid cards for travel abroad. However, in the U.S., multicurrency prepaid cards are few and far between. This Mercator Advisory Group Viewpoin...
Tenth Annual U.S. Open-Loop Prepaid Cards Market Assessment and Prepaid Market Overview
Mercator Advisory Group’s
International ATM Partnerships: Market Differentiators for Participating Banks?
As travelers set out on their journeys, many take for granted the various international fees that accompany their payment cards. While some fees are unavoidable, utilizing ATMs that belong to international ATM partnerships can potentially elimi...