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
Changing Places: Prepaid Open Loop Cards Poised to Pass Closed Loop Dollar Loads in 2012
The dollar loads on closed loop prepaid cards historically has topped that of open loop products by a significant amount. As open loop cards continue to become a viable replacement for check and cash-based payments and innovation continues to ev...
Gateway Providers Look Toward the Cloud: There'll Be a Lot of Company Up There
Gateway Providers Look Toward the Cloud: There'll Be a Lot of Company Up There
How Close Is Proximity? Part I: NFC Proximity Mobile Payments in 2009
How Close Is Proximity? Part I: NFC Proximity Mobile Payments in 2009
How Close Is Proximity? Part II: Alternative Proximity Mobile Payments in 2009
How Close Is Proximity? Part II: Alternative Proximity Mobile Payments in 2009
Mobile Payment Systems: With or Without Banks
The power struggle between mobile network operators and banks has long been considered the main reason preventing mobile proximity payments from becoming a world-wide phenomenon. This Mercator Research Note looks at how the issue can be solved i...
EMV Migration in Asia-Pacific
Asia-Pacific is the second largest market for EMV products and services after Europe. However, the lack of regional regulators or co-ordinated migration plans make things more complicated. And payments industries in Asia-Pac countries vary drama...
Consumer Prepaid Distribution Strategies, And The 'Malling' Of Prepaid
Consumer Prepaid Distribution Strategies,And The "Malling" Of Prepaid
Electronic Bill Pay and Presentment: Take a Number; a Consumer Will Be Right with You (Maybe)
Electronic Bill Pay and Presentment: Take a Number;a Consumer Will Be Right with You (Maybe)
2010 Credit Card Outlook: A Glass Of Flat Champagne
While credit cards are no longer in freefall, the U.S. card market has not yet bottomed out. 2010 is likely to be a year of stabilization and likely flat. The card industry must begin to grapple with long-term threats stemming from the recession...
How Developing World FIs Will Miss the Biggest Consumer Financial Services Market of All Time
Retail banks in developing economies face a tough choice. They can remain in their current niches of serving their handful of well-to-do customers or they can take a page out of the mobile industry's book, update their retailing knowledge, and m...