What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
The Rise of New Consumer and Small Business Lending Models: Peer-to-Peer and More
Peer-to-peer lending and other new lending models are gaining popularity with consumers and small businesses. This market space is interesting and complex. It is filled with emerging technology that applies new credit underwriting criteria and s...
Gift Cards Remain at the Top of Holiday Shopping Lists
Amounts spent on prepaid gift cards in the U.S. will grow in the 2013 holiday season. Mercator Advisory Group’s holiday forecast of loads in the In-Store Gift Card segment of closed-loop prepaid cards predicts that the business will continue to ...
Online Cash Payments: Threat or Opportunity?
Over the last several years, as online sales and bill pay have gained momentum, merchants and financial services executives have explored ways to expand their role in online purchasing and payments by attracting the potential “buyers/payers” seg...
2014 Commercial and Enterprise Payments Outlook: The Year of Integration
Electronic invoice and payment solutions will be paired to enable fuller order-to-pay services
2014 Emerging Technologies Outlook
The continuing payments transformation
2014 International Payments Market Outlook
Card payments and e-commerce are growing in virtually every international market.
2014 U.S. Credit Card Outlook
The paradox continues: After a surprisingly strong year in 2012, the credit card industry has delivered mixed results in 2013. Purchase volumes continue to grow, but new accounts and increases in card balances remain elusive.
2014 U.S. Prepaid Outlook: It’s All Political
The courts, Congress, and regulatory agencies will continue to shape the industry.
2014 Debit Cards Outlook
A perspective on the U.S. debit issuing industry for the year ahead.
Payment Card Data Security Report: Combating Breaches, Perfecting EMV, and Safeguarding Mobile Payments
Data breaches, EMV, and mobile payments are key issues affecting the security of payment card data, and managing each will require overcoming formidable challenges. Criminals are seizing on lax data security to compromise card data at an a...