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
Testing Merchant Acceptance of Prepaid Online: Have Gift Card, Will Lift
Boston, MAApril 2008
Restricted Authorization Networks: Winner Takes All
Boston, MAMarch 2008
Network Exclusivity: The Changing Direction of the Industry
A trend within the leading EFT networks indicates that they are redefining their PIN debit strategy. The Interlink, STAR, PULSE and NYCE networks have all announced sole provider or exclusive processing agreements for PIN Debit POS transactions ...
US Wireless POS: Gets Up from the Table and Runs Out the Door
NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP
The Evolving Landscape for Prepaid Cards in Latin America and Europe
Boston, MAMarch 2008
A Seamless POS Future: Moving Order Entry and Payments into an iPod
At the end of 2007, a patent for ordering frequent purchases like your morning coffee was awarded to Apple. The design allows the consumer to make an order using any wireless portable device -- a WiFi-enabled iPod, a PDA or a mobile phone -- whe...
Mobile Banking: Just Getting Off the Ground
Mercator Advisory Group took a look at the top commercial banks, credit unions and community banks to see who has, and has not, deployed mobile banking. While many of the FIs of all sizes say they are planning to deploy, as of the end of Decembe...
Mobile Payment Case Studies: UMPay and China's Mobile Payment Market
Beijing Union Mobile Pay (UMPay) is the largest mobile payment service provider in China, the largest single mobile phone market in the world. Since established in 2003, UMPay has been making steady progresses in rolling out various mobile payme...
Merchant Cash Advance: Industry Primer and 2008 Outlook
The Merchant Cash Advance (MCA) market will likely face increased M&A and start-up activity and formations of new alliances in 2008 as existing players consolidate and speculators who were singed by the subprime mortgage crisis seek new revenue ...