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
De-Leveraging Becomes De-Carding
We might be seeing early indications of improved spending on credit cards. But the massive drop in the number of credit card accounts on file shows that some cardholders have given up their cards -- voluntarily or not. Mercator's CustomerMonitor...
MasterCard/Visa Antitrust Settlement: At Least It's Not Surcharging
First, The Facts The Department of Justice announced the outcome of its antitrust investigations of MasterCard, Visa and American Express on October 5, both filing a suit and announcing settlement with MasterCard and Visa. Litigation will contin...
Visa, DeviceFidelity and Having NFC Our Way
Visa is getting some traction with its DeviceFidelity-based NFC pilots, at least in terms of the banks willing to pilot the project with them. Wells Fargo has joined US Bank and Bank of America in the US, and Turkey's Akbank, in the trial progra...
License to Spend: Going Beyond Breakage and Getting the Maximum Benefits from Gift Cards
Retailer thinking about the gift card business model is broken. Nearly every large retailer in the United States sells gift cards with the thought that, one way or another, the card will be spent, and they will eventually collect the money assoc...
The World Terminal - Preparing the POS for the Multi-Form Factor Future
With the advent of EMV in a growing number of geographies and a multiplicity of payment form factors - chip, contactless, NFC, and the trusty old magstripe - proliferating globally, there appears to be a growing need for payment terminals capabl...
Seventh Annual Prepaid Card Forecast
Seventh Annual Prepaid Card Forecast
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