Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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

Credit Card Reform Signed; What Next?

Impact Note
Date: June 1, 2009
Author(s): Mercator
Research Topic(s): Credit

With the CARD Act of 2009 (H.R. 627) now law, the industry can turn to the forgotten question of "what next" And by "next," we do not mean just the next nine months. We won't really know consumer and issuer outcomes for 2 to 3 years.

Text Messaging and Collections: Driving Response Rates 160 Bytes at a Time

Javelin Report
Date: May 25, 2009
Author(s): Mercator
Research Topic(s): Emerging

NEW RESEARCH PROVIDES GUIDANCE ON ENTERPRISE TEXT MESSAGING IN COLLECTIONS

Time to Flee China, or Not

Impact Note
Date: May 14, 2009
Author(s): Mercator
Research Topic(s): Global

The struggling of U.S. banks in the domestic market is now starting to directly affect their global strategies. Major U.S. financial institutions might be forced to sell off their overseas investments for cash for survival. Mercator Advisory Gro...

Barbarians At The Gate: Canadian Card Market Gets Ready To Rumble

Impact Note
Date: April 13, 2009
Author(s): Mercator
Research Topic(s): Debit

The Canadian payments card market is under siege from all sides. Merchants are gearing up for a fight on two fronts - debit and credit. Interac wants to open it's doors to outsiders, and legislators have entered the ring. The future path of the ...

Building a Business Ecosystem Around the Underserved - The Case of Venezulea

Javelin Report
Date: April 13, 2009
Author(s): Mercator
Research Topic(s): Global, Prepaid

Going after the un- and under-banked consumers remains a hot topic for prepaid cards. However, how to offer the right products, in the right channel, and at the right price are the big questions that need to be answered before the market potenti...

It's Time for Great Design to Drive Self-Service Financial Services Kiosk Deployment

Impact Note
Date: April 13, 2009
Author(s): Mercator
Research Topic(s): Emerging

Payment system hardware has needed a human factors makeover for some time. Almost every financial services kiosk or ATM draws its design inspiration more from a Lego-like building block approach than up-to-date conceptions of an integrated user ...