Payments Research

Payments

The payments industry is evolving rapidly as new technologies, changing consumer behaviors, regulatory developments, and emerging business models reshape how money moves. Javelin’s payments research team provides data-driven insights and advisory services across nine practice areas: Commercial & Enterprise, Credit, Digital Assets & Crypto, Debit, Emerging, Global, Merchant, Prepaid, and Tech & Infrastructure.

What shapes consumer transactions and payment technologies, and where is it going?

Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.

Payments Research

Reports

Debit - College Students And Teens

Javelin Report
Date: August 2, 2011
Author(s): Patricia Hewitt
Research Topic(s): Debit

While the overall percentage of the American population under the age of 21 has dropped between 2010 and 2000, the gross spending of this age group has continued to rise annually. In this Note we'll examine these demographics' shopping habits an...

EMV - Does This Make My Portfolio Look Big?

Impact Note
Date: August 1, 2011
Author(s): Patricia Hewitt
Research Topic(s): Debit

The Durbin Amendment held out hope for pro-EMV product strategists in the U.S. that the Federal Reserve Bank would mandate this fraud-prevention standard in their final rules. In lieu of a requirement, U.S. issuers will have to settle for good o...

Premium Credit Cards 2011: Chasing The Affluent Consumer Post-Recession

Javelin Report
Date: July 28, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Boston, MA -- With more card issuer interest and focus on pursuing affluent and high net worth (HNW) consumers with excellent credit histories, the credit card industry has responded by expanding or enhancing the perks offered to wealthy cardhol...

European Card Market 2011 Update

Javelin Report
Date: July 27, 2011
Author(s): Terry Xie
Research Topic(s): Global

European Card Market 2011 Update

Marketing Card Products To A Cardless Customer Base

Impact Note
Date: July 21, 2011
Author(s): Michael Misasi
Research Topic(s): Credit

Mobile wallets are designed to streamline payments and reduce checkout time. The technology however, also has the potential to unnerve a small but valuable segment of payment card users -- super-premium credit cardholders. This viewpoint examine...