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
Coming to a Phone Near You
With the blare of press releases and product demos, Mobile World Conference heralded the NFC handset's change in status from pilot test curiosity to fully commercial, ubiquitous capability. Now, we're entering a chaotic period of experimentation...
Delaying Durbin
So far, all actions connected to the Durbin Amendment have happened in the blink of an eye. This is one piece of legislation that seems to have no patience - until now. Bills have been introduced in both the Senate and House to delay the rules-m...
The New Reg Z Rules and Household Income
The Federal Reserve's final Reg Z rules on individual ability to pay were meant to clarify card issuers' responsibilities under the CARD Act. The intent to balance the responsibilities of lenders with consumer access to credit may prove an uneas...
The Future of Prepaid Cards is Not Plastic
Electronic prepaid cards mean that retailers do not need to get hung up on J-hooks to distribute their gift cards or other types of prepaid cards. Also known as virtual cards, e-cards are a code, password, or other authorization process that giv...
Trends in Small-Dollar Credit: A Look at the Market and Future of Small Loans
New Mercator Advisory Group Report Shows Where Opportunities and Challenges May Lie in the Small-Dollar Credit Market
Alternative Payments Networks: A Matrix Model
Alternative Payments Networks: A Matrix Model
Card Borrowing's Decline Slowly Bottoms Out
The release of the Federal Reserve's preliminary December G19 reading on consumer revolving credit provided a modestly positive ending to an otherwise dismal 2010, and the press applauded. January's preliminary reading resumed the decline. For n...
BIN Sponsorship: New Revenue Opportunities for Financial Institutions in Prepaid
Special combined report and pre-recorded webinar provides guidance to financial institutions on managing prepaid card programs
Retail DDA Fee Structures
Retail checking accounts have been provided to US consumers at little or no cost for decades. In 2010, this service strategy began to change as the predictable non-interest income streams of payments-related fees were either clawed back or threa...
Debit Card Rewards in India
Debit cards are blossoming in India as consumers shun credit cards at difficult time. Rewards programs appear to significantly facilitate the progress, as the SBI Freedom Rewardz Program suggests.