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
Fintech Investment in a Changing Market: 5 Things to Know for 2023
With investment capital tighter in 2023, there’s less interest in untested, unproven fintech startups and more of an emphasis on coming out of the chute with products that are ready for the market and ready to drive profit. What’s more, fintechs...
Where Will the FIS Spin-Off Leave Worldpay?
Financial technology company FIS brought in merchant acquiring titan Worldpay in 2019 for $43 billion, including nearly $8 billion in debt. That move came during a spree of megadeals that included Fiserv’s acquisition of First Data for $22 billi...
2023 Annual U.S. Debit Card Market Data Review
The seventh annual review of the U.S. debit card market consolidates data and analyzes recent trends shaping the use of these cards. In addition, a near-term forecast for debit volume is provided so issuers, processors, merchants, and other rela...
2023 Prepaid Card Data Book: 11 Essential Metrics
The Prepaid Card Data Book ties together the most important metrics for the industry. Mercator Advisory Group’s assessment of the prepaid card market covers market estimates for the broad market and focuses on the major vertical markets. Consume...
The Credit Card Data Book Part Two: Internal Dynamics
The Credit Card Data Book is a two-part annual publication that covers the internal and external factors affecting the U.S. credit card market. The first part focuses on environmental factors such as macroeconomic indicators and consumer prefere...
The Credit Card Data Book Part One: Environmental Factors
The U.S. credit market continued its path toward stabilization in 2022 but faced several hurdles, including rising interest rates, strained household budgets, and a highly competitive market environment. As a result, we expect conditions in 2023...
Open Banking Pushes Interoperability to the Payments Forefront
Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...
Fintech Trends in Corporate Banking
This impact note reviews the developments and trending movement of fintech as it relates to the corporate transaction banking space, which in effect is regarded as business-to-business (B2B) and business-to-government (B2G) use cases with all th...
Gen Z is Reaching Adulthood and Merchant Service Providers Need a Plan
Gen Z, defined as those born in 1997 or after, must be a top priority for all merchants and their service providers. Merchants need to build relationships with Gen Zers now in order to rack up sales and have relationships with young consumers th...
U.S. Commercial Prepaid Card Market Forecast
This report covers Mercator Advisory Group research and expectations in the commercial prepaid market. Highlights include trends for both open-loop and closed-loop products.