Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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

A Glimpse of Prepaid Regulations in International Markets

Javelin Report
Date: May 28, 2012
Author(s): Terry Xie
Research Topic(s): Global

The regulation for prepaid payments varies significantly across countries from nearly nonexistent to strict and broad, posing a challenge for companies expanding into international markets. This research note provides some high-level overviews a...

Brazil Payments Card Market Update

Javelin Report
Date: May 22, 2012
Author(s): Terry Xie
Research Topic(s): Global

Brazil Payment Card Market Update

The Social Cost of Fraud

Impact Note
Date: May 20, 2012
Author(s): David Fish
Research Topic(s): Credit

Conventional wisdom in the card payments space is that fraud hurts us all -- banks, processors, merchants, and consumers. This virtual axiom is often invoked by pundits and experts in the immediate aftermath of card data breaches, such as the re...

Micropayments and the Durbin Amendment

Impact Note
Date: May 16, 2012
Author(s): David Kaminsky
Research Topic(s): Emerging

For all transactions under $12, the Durbin Amendment resulted in raised debit card interchange fees. Merchants who specialize in these low-value transactions are now looking for ways to minimize the impact on their profitability.

U.S. E-commerce: Mobile Devices and Alternative Payments Bring Retail Online

Javelin Report
Date: May 14, 2012
Author(s): Michael Misasi
Research Topic(s): Credit

New research from Mercator Advisory Group highlights e-commerce developments and trends

Procure to Pay: Moving from Paper to Electronic Formats Is a Confusing Process

Impact Note
Date: May 13, 2012
Author(s): Patricia McGinnis
Research Topic(s): Commercial & Enterprise

Market participants including banks, vendors, and finance professionals are apparently having a difficult time achieving consensus about the vocabulary to use to describe changes in corporate accounts payable practices. Part of the confusion ari...

A Moment in Time

Impact Note
Date: May 8, 2012
Author(s): George Peabody
Research Topic(s): Emerging

Somewhere between rumor and fact is a new merchant initiative to build, from the ground up, a new payment system. Led by Walmart and Target, the effort is attracting large and medium-sized merchants dissatisfied with the cost and security of the...