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

The Evolving Landscape for Prepaid Cards in Latin America and Europe

Javelin Report
Date: March 4, 2008
Author(s): Mercator
Research Topic(s): Global

Boston, MAMarch 2008

A Seamless POS Future: Moving Order Entry and Payments into an iPod

Impact Note
Date: February 26, 2008
Author(s): Mercator
Research Topic(s): Emerging

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

Impact Note
Date: February 26, 2008
Author(s): Mercator
Research Topic(s): Emerging

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

Javelin Report
Date: February 26, 2008
Author(s): Mercator
Research Topic(s): Global

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

Javelin Report
Date: February 21, 2008
Author(s): Mercator
Research Topic(s): Credit

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 ...