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
New Strategies for Prepaid Profitability: A Pro Forma Analysis
Mercator Advisory Group creates a base-level prepaid portfolio pro forma utilizing data from study by Federal Reserve Bank of Philadelphia's Payment Cards Center and the Center for Financial Services Innovation
Payments Privacy Is Not Always Sinister
Many shoppers prefer making payments off the radar. Shoppers may have a variety of reasons for wanting their payments to go unrecorded, and not all of them are because of illicit or illegal activity.
Real-Time Payments 2013: Struggling Toward Revolutionary Change
With the expansion of electronic and mobile commerce, consumers and businesses have broadened their expectation of “always on” immediacy to incorporate payments. No longer is two-day or even next-day payment or funds movement adequate when there...
A New Model to Deepen Customer Loyalty Programs: AVENUE Model
Leading rewards and loyalty programs deepen participant value enabling customers to use accumulated points toward purchases.
Self-Checkout Retail Terminals: Benefits, Detriments, and Opportunities
New Mercator Advisory Group research examines the market for self-checkout terminals. The customer checkout process is a high priority for merchants in part because it affects the customer's shopping experience. The merchant does not want the cu...
Carrier Billing: Teeny Tiny Gets Bigger
New research from Mercator Advisory Group examines the potential market opportunities for carrier billing solutions
Core Financial Relationships After Free Checking
The loss of overdraft fees and reduction of debit interchange have put free checking on the endangered species list as financial institutions struggle to redefine the hub of their customers' financial lives.
How to Build Better Online and Mobile Bill-Pay for the Underbanked
When it comes to paying bills, too often the nation’s 37 million underbanked Americans do it using hard and costly ways: in cash, and in person, by mail, or by phoning call centers. This creates an opportunity for financial institutions, billers...
The Cost of EMV and the Credit Card Issuer Investment Decision
The EMV standard derives much of its value from its ability to prevent fraud, and European issuers have testified to the technology's effectiveness in this area. But U.S. banks are wondering, "Is the reduction in counterfeit fraud sufficient to ...
American Express and Walmart's Bluebird
The U.S. card industry sat up and took notice when American Express launched its Bluebird general purpose reloadable (GPR) prepaid card product in October 2012 with Wal-Mart Inc. as its strategic partner. This action signaled the card network's ...