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
NFC 3.0, Identity, and Security as a Service
The founding vision of NFC payments was simply "tap and pay" at a contactless payment terminal. The world's gotten a lot more complex since then. As a flexible platform enabling multiple use cases, it's time to re-envision NFC's role in the new ...
Solving the Micropayments Problem
Solving the Micropayments Problem
Eighth Annual Closed Loop Prepaid Market Assessment
Eighth Annual Closed Loop Prepaid Market Assessment
Durbin Amendment Is Not The End Of Prepaid, But Providers Have Work To Do
While prepaid cards can gain exemption from the interchange caps of the Durbin Amendment to the Dodd-Frank Act, program managers still have their work cut out for them and decisions to make, when running a compliant program in the new environmen...
Fighting for Position: The Mobile Wallet Wars
Fighting for Position: The Mobile Wallet Wars
What is Happening in Remittance
The global remittance market is slowly recovering from the economic downturn. But the trend differs across regions as the pace of recovery in sender nations varies. As the remittance market recovers, new distribution channels and settlement appr...
The Future of BIN Sponsorship: Internal Audit Goes Outside Based on OTS Cease & Desist Order to Metabank
A cease and desist order from the Office of Thrift Supervision against Meta Bank may set the floor of regulatory expectations for issuers of prepaid cards.
EMV in the USA
EMV is, at last, coming to the USA. The sitting duck in the global payments pond will become the more swan-like global security framework that will make counterfeit cards much harder to create. Visa's active encouragement of EMV contact and cont...
Borders Gives A Gift To The Prepaid Industry In Chapter 11
As bookseller Borders Group, Inc. begins liquidating all of its assets, gift card holders will still be able to redeem their cards, but this will raise concerns in the minds of consumers and regulators alike about the safety of gift cards.
Debit - College Students And Teens
While the overall percentage of the American population under the age of 21 has dropped between 2010 and 2000, the gross spending of this age group has continued to rise annually. In this Note we'll examine these demographics' shopping habits an...