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
Procure-to-Pay Automation: Corporate Payment Solutions Explained
The potential cost savings of business process automation is catching the attention of treasury executives. This research note outlines the value proposition for procure-to-pay automation and the current positioning of selected industry solution...
The Dangers of Public Wi-Fi: Fraud Implications of Sniffer-Based Attacks
Hackers are able to develop tools known as sniffers that allow them to access certain website accounts of users sharing a Wi-Fi network. This research note describes this process, identifies certain websites that are particularly vulnerable, and...
Premium Debit: Not So Heavy Metals
Premium credit cards have evolved from gold to platinum to black as a means of maintaining elite card relevance and appeal to high-net-worth account holders. Premium debit cards, in contrast, haven't found a similar market, at least in the Unite...
Defining GPR in Response to the Consumer Financial Protection Bureau's Proposed Rulemaking on Prepaid
The CFPB has asked the industry to define GPR, creating an inflection point for the industry as all regulations run the risk of unintended consequences and once the government creates a definition it rarely looks back. The problem is that prepai...
Third-Party Walk-In-Bill Payments in the United States
Third-Party Walk-In-Bill Payments in the United States
The Final Repeal of Regulation Q: One Year Later, Much Ado About Nothing
One of the less earth-shattering elements of the Dodd-Frank legislation was the repeal of the last remnants of Regulation Q, which had existed in one form or another since the 1930s. Does it matter anymore? To date, apparently not to most banker...
State of U.S. Network-Branded Credit Cards
High-level industry data continue to show two faces of the U.S. credit card industry: growing spending but lower lending. Meanwhile, the underlying account base has yet to arise from its postrecession lows. Consumers (as opposed to commercial ca...
Can Banks Facilitate Multichannel Corporate Cash Flows?
Corporations in the U.S. are steadily shifting the way they make business-to-business payments, reducing check usage and choosing from multiple electronic methods. Payment method migration will trigger changes in check-related bank revenue strea...
The Interchange Antitrust Settlement: An Initial Assessment
The proposed settlement of the long-festering case In Re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation holds the potential to help participants get back to business. But in setting new rules, it puts unpredictable marke...
Banking 2.0: Innovation, Disruption, and the Better Idea
Banking 2.0: Innovation, Disruption, and the Better Idea