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
The Tax Refund Market is Bigger Than Prepaid Providers Think: But prepaid suppliers need to adopt new strategies to help refund recipients save.
Multiple companies have tried to build a business on helping unbanked and underserved consumers receive their tax refunds. The tax refund market is actually much bigger, and retailers and program managers should look for new opportunities to tak...
US Versus China Prepaid Cards: A comparison of the world's two largest prepaid markets
China has not caught a lot of attention from the global prepaid industry. But in 2009, the country recorded more than US$207 billion in sales of different types of prepaid products, making it the world's second largest prepaid market. This resea...
Authentication at the Edge: NFC, Smartphones, and a New Model for Payments Confidence
Authentication at the Edge
A New Closed-Loop Map: How Groupon, LivingSocial, and Other Social Buying Sites Have Added New Landmarks to the Closed-Loop Landscape
The rise of social buying sites shows how technology can help manufacturers and merchants combine existing closed-loop devices in ways that can open up new channels and opportunities to win or reward customers.
Payment Technology 2011: Mostly Mobile, Platforms, EMV and What to do About Debit?
Payment technology options are growing. They're driven mostly by mobile. Now add NFC. Stir in a huge dollop of payment platforms that further shift power to merchants. Stumbling to cross this chasm, card networks and payments incumbents will bri...
Prepaid Card Market in China 2010
Prepaid Card Market in China 2010
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...