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

Small Business Credit Card 2008 Update: Issuers and Customers Seek Order amid Chaos

  • Javelin Report
  • Date: December 30, 2008
  • Author(s): Mercator
  • Research Topic(s): Credit
Boston, MADecember 2008

Virtual Point-of-Sale: Diving in and Disappearing into the Line of Business Application

  • Javelin Report
  • Date: December 30, 2008
  • Author(s): Mercator
  • Research Topic(s): Emerging, Global
Boston, MAJanuary 2009

Mobile Commerce and Remote Payments: Consumers and Merchants are getting it, but will they really Use It?

  • Javelin Report
  • Date: December 21, 2008
  • Author(s): Mercator
  • Research Topic(s): Emerging
Boston, MADecember 2008

The Federal Reserve Moves on Card Practices: One Big Shoe Drops

  • Impact Note
  • Date: December 21, 2008
  • Author(s): Mercator
  • Research Topic(s): Credit
The Fed's new rules present major changes that must be accommodated in issuer business practices. Issuers are not powerless, but disclosures have been strengthened. Will consumers use this added information? Will compliance become a high-visibil...

The Local ISO: Strategies for Hometown Merchant Services

  • Impact Note
  • Date: December 21, 2008
  • Author(s): Mercator
  • Research Topic(s): Credit, Prepaid
While many larger providers have broadened their geographical focus as they have grown, smaller ISOs and Merchant Level Sales (MLS) agents are often limited by their local geographies. But this "limitation" is mostly just a perception of the hom...

Innovation Loves a Crisis - Economic Uncertainty Drives Gift Cards of all Shapes, Sizes, and Values

  • Impact Note
  • Date: December 9, 2008
  • Author(s): Mercator
  • Research Topic(s): Prepaid
In a challenging economic climate, consumers are shopping with tighter budges and are aggressively seeking the best deals during these holidays. It is anticipated that this will be one of the slowest shopping seasons in decades, with declines in...

Open-Loop Retail Reload Networks: Drivers of Increased Retention or Agents of Churn?

  • Javelin Report
  • Date: December 9, 2008
  • Author(s): Mercator
  • Research Topic(s): Prepaid
NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP

Observations from Abroad: An Infamous Sample of One

  • Impact Note
  • Date: December 8, 2008
  • Author(s): Mercator
  • Research Topic(s): Credit
When a payments analyst (Ken Paterson) goes abroad, he sees the world in terms of... payments. Despite this limited "sample of one," implications are apparent for U.S. stakeholders to see: can chip & PIN be avoided, surcharging is OK (when you h...

The Japanese Payment Card Market 2008

  • Javelin Report
  • Date: December 8, 2008
  • Author(s): Mercator
  • Research Topic(s): Global
Boston, MADecember 2008

IP, Broadband and Dial-up Access: Will Cost Savings Close the IP Deal?

  • Javelin Report
  • Date: December 3, 2008
  • Author(s): Mercator
  • Research Topic(s): Emerging
NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP

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