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
The Under-Billed Market: It's The Little Payments That Mean A Lot
An opportunity market for migrating small value, service-related consumer-to-business payments from checks and cash to electronic payment forms is quickly emerging in the United States, spurred on by technology that supports inexpensive, conveni...
Global Prepaid Card Market Potential Ranking 2010
Global Prepaid Card Market Potential Ranking 2010
Merchant Cash Advance: The Pros and Cons of Outsourcing
The few merchant acquirers who have implemented in-house cash advance and business finance operations have had some success with this important value-added service through the recession, but many more, including the largest players in the mercha...
The Payments Land Grab: How Mobile Devices and the PCI Hammer are Shattering Old Models and Forcing Hardware Vendors into the Clouds
Incumbents in the payments industry are nervous. The combination of new technologies, particularly rich apps and mobile communication, coupled with the PCI mandate suggests tectonic shift is coming to the traditional payments value chain. No one...
Vertical Integration and the Payments Value Chain
Lower transaction volumes, tighter transaction processing margins, offshore hardware competitors, PCI compliance mandates, and the economics of payments processing are pushing key players in the payments industry to rethink their business models...
Credit Account Origination Systems Vendor Review: Beyond Cards
Research Explores New Developments in Credit Card Account Origination
Going Global: Taking Prepaid Processing Abroad
Research Provides Guidance for DevelopingInternational Prepaid Card Processing Strategy
Retailer Credit: New Visions for a Troubled Segment
Retailer Credit: New Visions for a Troubled Segment
Cloud Computing and Innovation at the Point-of-Sale: Toward the Cloud-Based vECR
New Report Explores Cloud Computing and Innovation at the Point-of-Sale
Money Cards: When Is a Prepaid Card Not?
While debit cards have taken on a whole new value in today's economy, that doesn't necessarily translate into new consumers flocking to open checking accounts. The evolution of general purpose prepaid cards, from budgeting and remittance tools t...