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 Advisory Service: 2011 Outlook
It is very tempting to look at 2011 as the Durbin Amendment and simply leave it at that. The fact that debit card interchange is going to be regulated provides enough subject matter for this brief and many more like it. But that event, no matter...
The 2011 Prepaid Industry Outlook: Growth Will be Channeled By The Economy
The prepaid industry will continue to grow in the year to come, but the economy will determine which segments take the lion's share. Program managers and issuers should be prepared to adapt to changing conditions to take advantage of the opportu...
A New Credit Cardholder Landscape or Our Scariest Credit Card Chart Of 2010
We have written recently on the "de-carding" of U.S. credit cardholders. New data from Mercator's CustomerMonitor Survey Series speaks to this drastically changed landscape at the cardholder level, and the speed with which this ch...
Global Contactless Card Market Update 2010: On the Verge of a Breakthrough?
Contactless cards so far appear to have failed to deliver what they promise, at least not to their full capability. However, things appear to be changing in 2010 and consumers and merchants might finally start to adopt contactless card payments ...
The ISIS Mobile Payments JV: NFC's Breakout Opportunity May Be Balkan Gardens
The Isis mobile payments joint venture could drive broad NFC deployment. But, if mobile operators run true to form with sacrifices to their great god ARPU (average revenue per user) as their only strategy, then NFC access will be expensive and s...
Visa DPS and Mastercard IPS: A Discussion with the Networks' Debit Processing Solution Business Leaders
As an industry leading solution, Visa DPS has spent the past 14 years successfully delivering account management and processing solutions to their debit card issuers. As MasterCard throws down the competitive gauntlet in the U.S. debit market, t...
Mobile Resilience: How the Mobile Supply Chain Could Screw up Mobile Payments
We all know that if we lose a credit or debit card, we can have it replaced within 24 hours. Sometimes sooner. But what happens when the device that promises to revolutionize mobile commerce and payments breaks down? How ready is today's mobile ...
Planning for Growth in a Life after Spend: A View of Future Expansion in the Electronic Payments Market
The growth of the electronic payments industry has taken place in a market built on a foundation of escalating spend. Now that the consumption era is over, it's time to get down to business and expand the reach of electronic payments. Solutions ...
Verifone Acquired Hypercom: Consolidation and Anticipation in the POS Terminal Market
Over the past ten years, second tier POS terminal makers have been common acquisition targets by the three top tier POS terminal vendors. And now there are two as Hypercom will now be a part of VeriFone. VeriFone has been on a tear the last coup...
New Market Opportunities for Closed-Loop Gift Cards
New Market Opportunities for Closed-Loop Gift Cards