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
Commercial Card Technology and Working Capital Optimization
Corporations are discovering new methods of executing payments though card networks, contributing to the steady decline in check volume. B2B payments will undergo changes in cost structures, and the analysis of spending and payments data suggest...
Small Credit Card Issuers 2012: Waiting for a Renaissance
Small Credit Card Issuers 2012: Waiting for a Renaissance
What's In Store for Merchant Acquirers? Three Trends to Track in 2012
This year promises to be one of expansion for the merchant acquiring industry. Three of the most important trends in payments and commerce impacting acquirers in 2012 are mobility, multi-channel merchant services, and risk management. This Viewp...
Mobile Incentives: The Next Step in Device Based Transactions
Mobile Incentives: The Next Step in Device Based Transactions
PIN vs. Signature Debit
The impact of flattened debit interchange rates for PIN and signature transactions among the largest issuers, the elimination of issuer routing control and network exclusivity, along with the emerging network mandates pertaining to EMV in the Un...
Retail Judo: Using Prepaid and Mobile to Compete Against the Internet
Internet retailer Amazon.com may have given brick-and-mortar competitors a lesson that could help them compete on convenience by using prepaid and mobile technology, and their retail presence.
The 2012 Prepaid Industry Outlook
The prepaid industry will continue to grow this year, but regulatory changes, new competitors, and the continuing fluctuations in the economy mean the business will become more complicated than in years past.
A Halt to the Decline in Credit Card Borrowing?
For the better part of 2011, credit card borrowing in the United States showed little direction. At least it was not down. The optimists among us might see the start of an upward trend in card usage and borrowing, but have consumers directed the...
China Payment Card Market Update
China Payment Card Market Update
Card-Not-Present Risk Management Across the Value Chain
Card-Not-Present Risk Management Across the Value Chain