What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
Prepaid Outlook 2013: Rethinking the Meaning of the Card
The coming year may be a watershed for changes in the way customers access prepaid value. The growth of multiplatform "cards" mean that prepaid programs are no longer on plastic cards.
Commercial and Enterprise Advisory Service 2013 Outlook: Eliminating Paper
Businesses and governments began to learn in the recession that they could, in fact, do more with less. Many have made great progress achieving efficiencies through internal process changes but then encountered resistance from trading partners. ...
Mobile Banking for U.S. Corporate Customers: Catching On Slowly
Mobile banking among consumers is a "done deal" with wide acceptance. However, Mercator Advisory Group's new report, Mobile Banking for U.S. Corporate Customers: Catching On Slowly, finds both banks and commercial enterprises a bit cautious abou...
Single-Merchant Wallets: Mobile Payments for the Immediate Future
New research from Mercator Advisory Service profiles multiple solutions and forecasts growth for single-merchant wallets
Layaway: The New Frugality Meets an Old Idea
As consumers continue to adjust their payment patterns in the wake of the Great Recession, major retailers' layaway programs appear to be gaining new traction during the 2012 holiday shopping season. Programs are attracting consumer interest bey...
ISOs and Innovation: The Evolution of Independent Sales Organizations in the U.S.
Nonbanks have long been active in enabling card acceptance for merchants, whether through sales and service, processing, or equipment. The rapidly aging new millennium has seen many ISOs decline in prominence or become absorbed by competing firm...
Motivating Consumer Adoption of Mobile Payments
Mobile payment solutions providers are struggling to convince consumers of the benefits mobile provides over plastic cards. A day of discussion with active mobile payments users sheds some light on what consumers are looking for in a mobile paym...
Proactive Consumer Fraud Communications: Don't Call Me, I'll Call You
Contemporary consumers want to have more control over their money. They are demanding more information faster and access to updates on activity taking place on their accounts. They are also becoming increasingly aware of the threat inherent in o...
2013 U.S. Credit Card Outlook
Like 2011, 2012 has turned out to be a stronger year than expected for credit card spending. Next year may be the year the account origination logjam break - if other things don't break first.
Checks Become More Liquid as Visa and Chexar Deploy a Check Cashing Network
The LMI community benefits and the prepaid financial services market continues its rapid growth. Soon anyone will be able to deposit a check for cash at a cost that varies with risk (including free). This will be a huge benefit to those who are ...