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
Solving Tax Refund Identity Fraud
Identity thieves have been going after the big bucks by submitting fraudulent tax returns and then claiming refunds that are deposited to bank accounts and prepaid card accounts that bear no relation to the identity used on the return. The good ...
Commercial Bank Account Management: The Promise of eBAM
New research from Mercator Advisory Group describes the growing interest in electronic bank account management.
PayPal: Less than a Friend?
Over the course of the past 15 years, PayPal has undergone a series of successful transformations that have resulted in the online giant expanding beyond its traditional e-commerce payment services to provide its ever growing consumer base many ...
Best Practices for Converting U.S. Travel & Entertainment Card Portfolios to EMV
Many of the largest issuers in the U.S. have realized the logical connection between T&E cardholders and EMV, in that these customers are more likely than most to spend significant amounts of time in EMV environments abroad. This Viewpoint addre...
Enhancing T&E Card Programs: Analysis of Commercial Cards User Survey 2012
New research from Mercator Advisory Group examines the features business travelers value in travel and entertainment cards.
The Benefits, and Dangers, of Two-Factor Authentication
Use of user names and passwords for years has been the most common authentication method for accessing online and mobile commerce channels, but their misuse makes them highly vulnerable to fraud via identity theft. Two-factor authentication is a...
M-Commerce: Opportunities, Challenges, and Inevitability
New research from Mercator Advisory Group examines the current and potential market for mobile e-commerce transactions.
Mobile and Prepaid Opens New ‘POS-sibilities’ for In-Store Retail
The growing popularity of the digital realm has fundamentally altered the nature of the POS, as brick-and-mortar retailers have had to embrace elements of mobile and online channels in order to remain competitive.
Checking vs. Prepaid: Threat or Opportunity?
The dynamics of the card-issuing business — and, in turn, those of the banking industry — have changed dramatically in recent years as an array of economic, regulatory, and governmental factors and initiatives have combined to drive expansion in...
Global Mobile Retail Payment Initiatives 2013
Mobile retail payments based on Near Field Communication (NFC) technology are probably this year's most talked about topic in both the payments industry and the mobile telecommunications industry. NFC is rapidly becoming a standard feature in mo...