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
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
A Big Data Primer for Payments Risk Professionals
While no longer considered a new phenomenon, big data is a computing trend that should not be ignored by banks and payments services firms. Exploration of the potential applications of big data frameworks and processes in managing payments produ...
First-Party Credit Card Fraud: Trends, Analytics, and Prevention Strategies
New Research Sizes the Problem of First-Party Fraud in the United States and Examines Countermeasures
Maximizing the Value of Social Media
Social networks provide a direct connection between consumers and organizations like no other medium before. This Mercator Advisory Group research note analyzes the social presence of the 15 largest U.S. financial institutions on Twitter, highli...
Special Purpose Banks
Georgia state legislators quietly passed a law that allows merchant acquirer limited purpose bank charters, another important win for the acquiring side of the payments market. This viewpoint addresses two questions: Now that some acquirers are ...