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
Developments in the U.K. Payment Market 2010
The credit card market in U.K. has not been doing well recently. Facing both the economic recession and the increasingly popular debit cards, among other challenges, the U.K. credit card industry is struggling to find ways to grow.
Emerging SEPA Card Schemes
The demand from the European regulators for alternative local European card schemes other than Visa and MasterCard, as well as the ongoing scrutiny into Interchange rules and practices have been the central issues in the transition to SEPA for c...
Global Biometric Payments: More Than Security
The use of biometric technologies in the financial services and banking industry is not really a cutting-edge application any more thanks to security applications. However, today's new generation biometric payments and other applications might c...
Payment Card Market in China 2010
Payment Card Market in China 2010
Cash Access Should Hold a Place in Prepaid Companies' Strategies
Despite the stated goals of some companies to replace cash completely, recent trends in consumer behavior and the overall business environment show that cash access should be included in business plans for prepaid card providers.
FINCEN Proposes New Rules on Providers of Prepaid Access
The agency wants to make sure the non-bank players in prepaid are helping to prevent crime. The proposed rules would set out reporting requirements for non-bank companies that are involved in providing prepaid cards, redefine regulatory terms, a...
Savings Are Very Effective in Keeping Prepaid Card Customers Around
Churn is an ever-present problem for the prepaid card industry, but providing savings accounts is one way to keep customers around longer and link them to a product.
Mercator Advisory Group's Seventh Annual Closed-Loop Prepaid Assessment
Boston, MA -- The Closed-Loop prepaid market grew by 7% in 2009, totaling $205.39 billion in dollars loaded onto cards. This market now accounts for more than 62% of all prepaid purchases, while the Open-Loop market, had loads totaling only $124...
Retail Checking Account Fee Structures: Revenue Stream Model Comparisons and Theory
Much of the current U.S. population cannot recall a time when they actually paid to have a checking account, but a reminder is on the way. The enactment of the Dodd-Frank Bill containing the Durbin Amendment is poised to turn back the clock to a...
Spending Cash Online: Alternative Payment Channels for e-Commerce 2010
here are billions of consumers around the world who rely on cash to pay for goods and services in their daily lives. But in spite of growing consumer Internet access globally, the gap between consumers online payment needs and the tools availabl...