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
The Durbin Amendment: No Looking Back
The Durbin Amendment: No Looking Back
EMV Debit: Starting Slowly
By remaining one of last countries to embrace EMV technology, the United States has a better understanding of the challenges and benefits that EMV debit cards can offer. To date, EMV debit strategies in the U.S. market have caused only ripples i...
The NFC Revolution: Anticipating Changes in the U.S. Payments Landscape
Boston, MA - Many people in the payments industry have become frustrated with the slow pace with which NFC-based payments technology has been developing in the U.S.--Google Wallet's initial launch left minimal impact, Isis keeps postponing its o...
The Ninth Annual U.S. Prepaid Cards Markets Forecast (2012-2015)
The Ninth Annual U.S. Prepaid Cards Markets Forecast (2012-2015)
Consumer Credit Card Mobile Apps: Waiting for Prime Time?
Consumer Credit Card Mobile Apps: Waiting for Prime Time
Mobile Point-of-Sale Solutions: A Comparative Analysis
Mobile Point-of-Sale Solutions: A Comparative Analysis
New Opportunities in Merchant Aggregation
Merchant aggregation is gaining prominence in the payments industry in a growing number of implementations, but only last year did Visa finally expand its aggregation rules beyond e-commerce to cover all merchant types. Though the aggregator mod...
Mobile Deposit Capture Will Significantly Expand the Prepaid Market
The major payment networks are working with technology companies to capture check images for deposit into prepaid card accounts. This capability will expand the market for prepaid financial services products by directly challenging existing alte...
Small Business Debit Issuers Should Embrace Relationship-Based Rewards
Many small business debit issues discontinued rewards programs in response to Regulation II, but this isn't the only option. Debit issuers still looking for new ways to differentiate small business offerings should consider rewards based on a ho...
The U.S. Merchant Acquiring Industry in 2012: Embracing Disruption
Boston, MA -- Now in its sixth iteration, Mercator Advisory Group's annual report on the U.S. merchant acquiring market, The U.S. Merchant Acquiring Industry in 2012: Embracing Disruption, discusses market performance of the largest U.S. acquire...