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
Checks Become More Liquid as Visa and Chexar Deploy a Check Cashing Network
The LMI community benefits and the prepaid financial services market continues its rapid growth. Soon anyone will be able to deposit a check for cash at a cost that varies with risk (including free). This will be a huge benefit to those who are ...
Merchant-Funded Networks: Bolstering Credit Card Rewards
Mercator Advisory Group's newest report, Merchant-Funded Networks: Bolstering Credit Card Rewards, describes how U.S. credit issuers are implementing merchant-funded programs alongside proprietary reward schemes, and presents several ways for is...
Debit Advisory Service: 2013 Outlook
In 2012, the debit industry in the U.S. began to recover from the turmoil resulting from the Durbin Amendment, but that doesn't mean smooth sailing by any means. 2013 may be the year of living dangerously as issuers begin to move into new produc...
Point-to-Point Encryption in Payments: The Stage is Set for Mass Adoption
With the majority of major U.S. merchant acquirers offering point-to-point encryption (P2PE) solutions for securing payment card data either in flight or at rest, the stage is set for broader adoption in the merchant marketplace. In one sense, d...
Contactless Cards: The Gateway for Mobile NFC Payments?
Contactless cards could help customers get used to making payments without the traditional swipe and encourage them to connect payments to NFC chips in their mobile devices.
Prepaid Cards: A Survey of Bank Attitudes, Adoption Rates, and Deployment Plans
Prepaid Cards: A Survey of Bank Attitudes, Adoption Rates, and Deployment Plans
China's E-Payment Market 2012
China's E-Payment Market 2012
Interchange War Continues
The increasing scrutiny in many countries on interchange will cost the global payments industry between $30 billion and $50 billion (USD) in interchange revenues a year. The impacts go beyond top international card networks and major global bank...
Prepaid Distribution in the United States
Boston, MA November 2, 2012 For prepaid card program managers, distribution is top priority. New research from Mercator Advisory Group, Prepaid Distribution Strategies in the United States, examines the methods available to prepaid card program ...
There's No Gift Like Plastic for the Holidays
Mercator Advisory Group's holiday forecast of loads in the In-Store Gift Card segment of closed-loop prepaid cards predicts that the business will grow and again most of the cards will be plastic.