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
Can Banks Facilitate Multichannel Corporate Cash Flows?
Corporations in the U.S. are steadily shifting the way they make business-to-business payments, reducing check usage and choosing from multiple electronic methods. Payment method migration will trigger changes in check-related bank revenue strea...
The Interchange Antitrust Settlement: An Initial Assessment
The proposed settlement of the long-festering case In Re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation holds the potential to help participants get back to business. But in setting new rules, it puts unpredictable marke...
Banking 2.0: Innovation, Disruption, and the Better Idea
Banking 2.0: Innovation, Disruption, and the Better Idea
A Big Data Primer for Payments Risk Professionals
While no longer considered a new phenomenon, big data is a computing trend that should not be ignored by banks and payments services firms. Exploration of the potential applications of big data frameworks and processes in managing payments produ...
First-Party Credit Card Fraud: Trends, Analytics, and Prevention Strategies
New Research Sizes the Problem of First-Party Fraud in the United States and Examines Countermeasures
Maximizing the Value of Social Media
Social networks provide a direct connection between consumers and organizations like no other medium before. This Mercator Advisory Group research note analyzes the social presence of the 15 largest U.S. financial institutions on Twitter, highli...
Special Purpose Banks
Georgia state legislators quietly passed a law that allows merchant acquirer limited purpose bank charters, another important win for the acquiring side of the payments market. This viewpoint addresses two questions: Now that some acquirers are ...
A Glimpse of Prepaid Regulations in International Markets
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
Brazil Payment Card Market Update
The Social Cost of Fraud
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...