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
Mobile Wallet Game Changers: A Glimpse into 2014's Projected Winners and Losers
Market forces are generating increased interest in mobile wallet use, creating an enormous opportunity and an attractive target for investment. The percentage of consumers who use smartphones and tablets is growing rapidly, and consumers’ willin...
U.S. Mobile POS Payment Volume: Estimates and Projections
Mobile payments haven't lost their appeal even though usage remains limited to a few niche applications. Will the expected national rollouts from Isis and MCX finally make mobile payments ubiquitous? This Mercator Advisory Group Resear...
Navigating the Rising Tide of Ecommerce Fraud with Consumer-Approved Authentication Solutions
The gradual proliferation of EMV over the coming years is expected to greatly reduce card fraud at the point of sale.
De-anonymization: Potential Impact on Payment Data Collection
In an increasingly interconnected technological world, consumers around the globe are either consciously or inadvertently handing over private data. Payment transaction data collected has great marketing potential, but it has a downside for cons...
2013 Online Banking and Bill-Payment Forecast: 29 Million Holdouts Primed for FI Bill Pay
Javelin’s 11th annual online banking and bill-pay forecasts reinforce that adoption will remain unacceptably flat through 2018 unless financial institutions take action to upgrade services, counter misperceptions about paying bills at FIs, ...
Tenth Annual U.S. Closed-Loop Prepaid Market Assessment
Closed-Loop Load Growth Slows, but the Market Continues Forward
Virtual Currency: Digital Swords to Physical Goods
Virtual currency has evolved far past its humble beginnings of buying digital cows and swords. More than 47 million US adults were virtual currency users in 2012.
Durbin Year Two Survey
Regulation II requires covered debit issuers and payment networks to respond to a biannual survey designed to gather data pertaining to interchange fee revenue, issuer costs, and fraud losses. Even though the latest survey report shows that debi...
International Remittance Transfers: How to Tap $2.1B in Cross-Border Revenue
The United States is home to more immigrants than any other country in the world, and Javelin estimates that remittance providers could potentially collect upwards of $2.12 billion in fees from outbound cross-border transfers. But increasing glo...