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
Small Business Debit: How Small is Small?
Small Business Debit: How Small is Small?
The OTS Order Against MetaBank Touches NetSpend and the Prepaid Industry
On October 6, 2010, the Office of Thrift Supervision (OTS) issued a Supervisory Directive to MetaBank that requires MetaBank to get written approval from the OTS before entering into new business. The OTS has not yet made any information on this...
Co-Branded Consumer Credit Cards 2010: Mature Products Ripe For Change
Boston, MA - This report provides an analysis of a very mature product: the U.S. co-branded card. Defined as a network-branded (American Express, Discover, MasterCard, or Visa) credit card issued by or for a commercial firm (other than a bank) u...
De-Leveraging Becomes De-Carding
We might be seeing early indications of improved spending on credit cards. But the massive drop in the number of credit card accounts on file shows that some cardholders have given up their cards -- voluntarily or not. Mercator's CustomerMonitor...
MasterCard/Visa Antitrust Settlement: At Least It's Not Surcharging
First, The Facts The Department of Justice announced the outcome of its antitrust investigations of MasterCard, Visa and American Express on October 5, both filing a suit and announcing settlement with MasterCard and Visa. Litigation will contin...
Visa, DeviceFidelity and Having NFC Our Way
Visa is getting some traction with its DeviceFidelity-based NFC pilots, at least in terms of the banks willing to pilot the project with them. Wells Fargo has joined US Bank and Bank of America in the US, and Turkey's Akbank, in the trial progra...
License to Spend: Going Beyond Breakage and Getting the Maximum Benefits from Gift Cards
Retailer thinking about the gift card business model is broken. Nearly every large retailer in the United States sells gift cards with the thought that, one way or another, the card will be spent, and they will eventually collect the money assoc...
The World Terminal - Preparing the POS for the Multi-Form Factor Future
With the advent of EMV in a growing number of geographies and a multiplicity of payment form factors - chip, contactless, NFC, and the trusty old magstripe - proliferating globally, there appears to be a growing need for payment terminals capabl...
Seventh Annual Prepaid Card Forecast
Seventh Annual Prepaid Card Forecast
Developments in the U.K. Payment Market 2010
The credit card market in U.K. has not been doing well recently. Facing both the economic recession and the increasingly popular debit cards, among other challenges, the U.K. credit card industry is struggling to find ways to grow.