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
Best Practices for Converting U.S. Travel & Entertainment Card Portfolios to EMV
Many of the largest issuers in the U.S. have realized the logical connection between T&E cardholders and EMV, in that these customers are more likely than most to spend significant amounts of time in EMV environments abroad. This Viewpoint addre...
Enhancing T&E Card Programs: Analysis of Commercial Cards User Survey 2012
New research from Mercator Advisory Group examines the features business travelers value in travel and entertainment cards.
The Benefits, and Dangers, of Two-Factor Authentication
Use of user names and passwords for years has been the most common authentication method for accessing online and mobile commerce channels, but their misuse makes them highly vulnerable to fraud via identity theft. Two-factor authentication is a...
M-Commerce: Opportunities, Challenges, and Inevitability
New research from Mercator Advisory Group examines the current and potential market for mobile e-commerce transactions.
Mobile and Prepaid Opens New ‘POS-sibilities’ for In-Store Retail
The growing popularity of the digital realm has fundamentally altered the nature of the POS, as brick-and-mortar retailers have had to embrace elements of mobile and online channels in order to remain competitive.
Checking vs. Prepaid: Threat or Opportunity?
The dynamics of the card-issuing business — and, in turn, those of the banking industry — have changed dramatically in recent years as an array of economic, regulatory, and governmental factors and initiatives have combined to drive expansion in...
Global Mobile Retail Payment Initiatives 2013
Mobile retail payments based on Near Field Communication (NFC) technology are probably this year's most talked about topic in both the payments industry and the mobile telecommunications industry. NFC is rapidly becoming a standard feature in mo...
Tween Cards
When teen heartthrob Justin Bieber signed on to promote a prepaid debit card created by BillMyParent, the profile of "tween Cards" got a big boost. Cards and accounts targeting underage consumers and their parents have had a slow start in the ma...
Payment Acquiring and Merchant Services in Canada 2013 Update
Over the past five decades, the Canadian payments market has evolved into one of the premier international markets for foreign expansion. Not only do Canada's proximity and cultural similarities to U.S.-based firms assist in transnational expans...
Global Citizen ID Initiatives
Around the world, governments are looking to modernize national identification cards, which historically have provided only basic physical and geographic information about individual civilians. With the improved technology available in chip-base...