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
Cash Based Alternative Online and Mobile Payment Services Around the World
Around the world, cash remains a significant consumer payment instrument, but as the 21st century shopping experience evolves, consumers who use cash exclusively or almost exclusively will be disadvantaged as goods and services increasingly move...
Contactless Cards: Listening for a Heartbeat
Contactless cards have been teetering on the edge of the debit card market for the past decade. Merchant acceptance is far from ubiquitous. Issuers "attempts to quell consumers" fear of account data being stolen appear to be ineffective. Mobile ...
Emerging Technologies: An Outlook from Q1 2013
U.S. issuers and acquirers continue to address impending fraud-liability deadlines for EMV migration. But on another technology front, are we closer to knowing whether a clear direction for mobile payments will emerge?
A First Look into the Canadian Prepaid Market
Canada, the eleventh largest global economy, has a population of 34.5 million along with one of the world's most developed banking markets featuring significant penetration of banking services and high consumer satisfaction. Debit cards are used...
EMV Cards: Instructions Required
U.S. cardholders are confused about those new chip cards they got in the mail. A modest stream of EMV cards is making its way into U.S. cardholders' wallets. Cardholders may think that's great, but for all the wrong reasons. Issuers who are putt...
Trends in Credit Scoring and Model Development
New Mercator Advisory Service report explores scoring products and emerging modeling techniques. This report by Mercator Advisory Group presents research that will help payments industry participants understand the basics of credit scoring and s...
Introduction to the Russian Payment Market
New research from Mercator Advisory Group examines past, present, and potential future developments in Russian payments.
2013 Retail Point of Sale (POS) Update and Forecast: Mobile and Prepaid Opens New POSsibilities
At 92.6% of total U.S. retail dollar volume, the point of sale (POS) retail market towers above the online market and will continue to do so for years to come. But the growing popularity of the digital realm has fundamentally altered the nature ...
Mobile Wallets: The U.S. Landscape
New Mercator Advisory Group research identifies U.S. mobile wallets by category and technology. The physical wallet might someday go the way of the checkbook, used by few and no longer a necessity. Growing consumer use of smartphones is creating...
Revisiting Biometrics Around the World, 2013
Biometric technologies always have appeal in security-crucial environments. But applications in banking and payments have been limited. Can that be changed?