Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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

Borders Gives A Gift To The Prepaid Industry In Chapter 11

Impact Note
Date: August 2, 2011
Author(s): Ben Jackson
Research Topic(s): Prepaid

As bookseller Borders Group, Inc. begins liquidating all of its assets, gift card holders will still be able to redeem their cards, but this will raise concerns in the minds of consumers and regulators alike about the safety of gift cards.

Debit - College Students And Teens

Javelin Report
Date: August 2, 2011
Author(s): Patricia Hewitt
Research Topic(s): Debit

While the overall percentage of the American population under the age of 21 has dropped between 2010 and 2000, the gross spending of this age group has continued to rise annually. In this Note we'll examine these demographics' shopping habits an...

EMV - Does This Make My Portfolio Look Big?

Impact Note
Date: August 1, 2011
Author(s): Patricia Hewitt
Research Topic(s): Debit

The Durbin Amendment held out hope for pro-EMV product strategists in the U.S. that the Federal Reserve Bank would mandate this fraud-prevention standard in their final rules. In lieu of a requirement, U.S. issuers will have to settle for good o...

Premium Credit Cards 2011: Chasing The Affluent Consumer Post-Recession

Javelin Report
Date: July 28, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Boston, MA -- With more card issuer interest and focus on pursuing affluent and high net worth (HNW) consumers with excellent credit histories, the credit card industry has responded by expanding or enhancing the perks offered to wealthy cardhol...

European Card Market 2011 Update

Javelin Report
Date: July 27, 2011
Author(s): Terry Xie
Research Topic(s): Global

European Card Market 2011 Update

Marketing Card Products To A Cardless Customer Base

Impact Note
Date: July 21, 2011
Author(s): Michael Misasi
Research Topic(s): Credit

Mobile wallets are designed to streamline payments and reduce checkout time. The technology however, also has the potential to unnerve a small but valuable segment of payment card users -- super-premium credit cardholders. This viewpoint examine...