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

Merchant Security, Tokenization and the Fairy Tale of Outsourcing PCI

Javelin Report
Date: March 17, 2009
Author(s): Mercator
Research Topic(s): Emerging

NEW RESEARCH BY MERCATOR ADVISORY GROUP IDENTIFES CHALLENGES OF NEW PCI COMPLIANCE MITIGATION STRATEGY

Credit Card Issuer Processing: State of the Industry

Javelin Report
Date: February 5, 2009
Author(s): Mercator
Research Topic(s): Credit

NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP

A Guide to Achieving Greater Prepaid Volume: Six Channels That Drive Prepaid Success

Javelin Report
Date: February 2, 2009
Author(s): Mercator
Research Topic(s): Prepaid

January 2009Boston, MA

Merchant Acquiring Business Model Taxonomy

Javelin Report
Date: January 26, 2009
Author(s): Mercator
Research Topic(s): Credit

In this research note, Mercator examines the various roles performed by companies involved in merchant payment acquiring and categorizes acquirers within seven basic business models. We discuss the traditional notion of "acquirer," and offer a b...

Prepaid Cards & the Incentives Market: Challenges of Bringing a High Value Feature Rich Product into an Already Complex Market

Javelin Report
Date: January 20, 2009
Author(s): Mercator
Research Topic(s): Prepaid

Boston, MAJanuary 2009

Credit Crunch 2009: January Update

Javelin Report
Date: January 13, 2009
Author(s): Mercator
Research Topic(s): Credit

This is the first in a series of updates that will be published in 2009 as the global credit crunch hits home in the United States credit card marketplace. Building on our analysis published in November 2008 (Declining Credit Card Growth 2008: A...