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
Dealing With Soaring Bad Card Debt Around the World
As the global economic downturn continues, rising unemployment rates and dwindling personal income around the world are driving bad card debt levels at an un-precedent pace. This environment may push developing credit markets into new territory ...
Remote Payments on the iPhone: Account Access, Card Not Present and a Seamless Payment Experience
While card brands, issuers and behemoths in the mobile ecosystem struggle to make NFC a reality, opportunistic payment service providers are capitalizing on smartphones to grow transaction volume through information-rich interfaces, account acce...
The Traveler's Dilemma: U.S. Cards Just Don't Have the 'Thing'
The vision for payment cards has long been to become the practical equivalent of a global currency. Cross-border operability made credit cards indispensable for travelers. But when U.S. cardholders travel in EMV (chip-and PIN) countries, the vis...
Central and Eastern European Payment Card Markets: 2009
Central and Eastern EuropeanPayment Card Markets: 2009
Chip Cards and the U.S. Market: Global Payments Go Local
In a recent article on chip cards, the following statement appeared: "Experts predict that American credit card issuers might develop a chip-and-PIN card that's designed specifically for European travel. The banking industry agrees that this is ...
Sixth Annual Closed Loop Prepaid Market Assessment
Sixth Annual Closed Loop Prepaid Market Assessment
The Credit Card Fair Fee Act of 2009 and the Acquiring Space: Doom or Boon?
While the healthcare reform debate continues in Washington as Congress reconvenes for the fall session, two very different legislative bills with the same title, The Credit Card Fair Fee Act of 2009 (H.R. 2695 and S. 1212), wait in the queue to ...
Expedited Bill Pay: Convenience and a Whole Lot More
New Research Explores the Market Dynamics Around Expedited Bill Pay
Get Ready to Duck Swinging at Overdraft Fees
HR 946 or The Consumer Overdraft Fair Practices Protection Act is teed up as the next act in Congress' playbook designed to assist financial institutions in completely overhauling their retail business models. In the case of overdraft fees, the ...
Sixth Annual Network Branded Prepaid Market Assessment
Sixth Annual Network Branded Prepaid Market Assessment