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

Data Protection and Privacy: Primer For A Challenging Issue

Javelin Report
Date: July 12, 2011
Author(s): Patricia McGinnis
Research Topic(s): Emerging

Data Protection and Privacy: Primer For A Challenging Issue

Regulatory Change's Impact on China's Emerging ePayments

Impact Note
Date: July 6, 2011
Author(s): Terry Xie
Research Topic(s): Global

As the first 27e-Payment licenses were issued at the end of May 2011, Mercator analyzes the impact of the latest development on the evolution and industry landscape in China's emerging e-payment market.

VC Investments in Payments 2010

Javelin Report
Date: June 29, 2011
Author(s): Terry Xie
Research Topic(s): Global

In 2010, the global payments industry saw a significant increase in the number of investing companies and the amount of money they received.

Durbin and Payments Innovation

Javelin Report
Date: June 28, 2011
Author(s): George Peabody
Research Topic(s): Credit, Emerging

It's certain that the Durbin Amendment will go into effect. While the rule's exact parameters may not be known until July 21, the regulation's impact on debit issuer strategies, and those attempting to compete with them, is already visible. The ...

Non Prime Credit Card Segments 2011: An Opportunity Waiting To Happen

Javelin Report
Date: June 27, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Boston, MA -- This report highlights opportunities in three heterogeneous credit card prospect segments which exist outside prime territory: subprime, consumers with an established credit track record indicating a higher risk of credit default, ...

Smart Ticketing: The Move to Open-Loop Transit

Javelin Report
Date: June 27, 2011
Author(s): George Peabody
Research Topic(s): Emerging, Prepaid

Smart Ticketing: The Move to Open-Loop Transit

The Case of Payoneer and Metabank May Change the Prepaid Value Chain

Impact Note
Date: June 19, 2011
Author(s): Ben Jackson
Research Topic(s): Prepaid

The connection of prepaid cards from the United States with an assassination in Dubai has already led to changes in the prepaid industry and may reshape the entire industry.

Credit Quality: (Almost) A Round Trip

Javelin Report
Date: June 16, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Since the official start of the recession, credit card delinquencies and charge-offs have nearly made a round trip back from the dark days of the recession. And while the economy continues to be weak, low origination volumes may ensure reasonabl...

EMV in the USA: Pushing the Peanut Down the Field

Impact Note
Date: June 16, 2011
Author(s): George Peabody
Research Topic(s): Emerging

EMV rollouts are, at last, beginning for a few lucky (or just really wealthy) U.S. card accountholders. Issuers care about them. For the rest of us, however, individual issuers discern no business case in replacing dumb magstripe cards with smar...

Multi-Channel Deposit Account Fraud And Vendor Solutions

Javelin Report
Date: June 16, 2011
Author(s): David Fish
Research Topic(s): Debit

Multi-Channel Deposit Account Fraud

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