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
Real World Prepaid Cards Drive Virtual Goods Sales
The sale of plastic prepaid cards in brick and mortar stores has driven the growth of digital content sales. While companies are secretive about how much they sell, the evidence shows that business in cyberspace still depends on supplies from Ea...
The New Distinction: Mobile Commerce v. Mobile Payments
Mobile payments are generating more than their fair share of buzz in the payments and wireless industries. For those in the payments industry, the mobile discussion has been hard focused on the payment itself as the sole vehicle of value deliver...
Chase and U.S. EMV Cards: EMV finally gets an American accent
Suddenly, major U.S. issuers are announcing near-term plans for traveler-oriented EMV cards for their U.S. cardholders. A recent conversation with David Porter, General Manager, Chase Card Services, revealed more detail about this leading issuer...
The Tax Refund Market is Bigger Than Prepaid Providers Think: But prepaid suppliers need to adopt new strategies to help refund recipients save.
Multiple companies have tried to build a business on helping unbanked and underserved consumers receive their tax refunds. The tax refund market is actually much bigger, and retailers and program managers should look for new opportunities to tak...
US Versus China Prepaid Cards: A comparison of the world's two largest prepaid markets
China has not caught a lot of attention from the global prepaid industry. But in 2009, the country recorded more than US$207 billion in sales of different types of prepaid products, making it the world's second largest prepaid market. This resea...
Authentication at the Edge: NFC, Smartphones, and a New Model for Payments Confidence
Authentication at the Edge
A New Closed-Loop Map: How Groupon, LivingSocial, and Other Social Buying Sites Have Added New Landmarks to the Closed-Loop Landscape
The rise of social buying sites shows how technology can help manufacturers and merchants combine existing closed-loop devices in ways that can open up new channels and opportunities to win or reward customers.
Payment Technology 2011: Mostly Mobile, Platforms, EMV and What to do About Debit?
Payment technology options are growing. They're driven mostly by mobile. Now add NFC. Stir in a huge dollop of payment platforms that further shift power to merchants. Stumbling to cross this chasm, card networks and payments incumbents will bri...
Prepaid Card Market in China 2010
Prepaid Card Market in China 2010
Coming to a Phone Near You
With the blare of press releases and product demos, Mobile World Conference heralded the NFC handset's change in status from pilot test curiosity to fully commercial, ubiquitous capability. Now, we're entering a chaotic period of experimentation...