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
When The Regulatory Dust Settles, What Do We See?
The CARD Act will change the shape of the gift card business, but the industry may benefit. When President Obama signed the Credit Card Accountability Responsibility and Disclosure Act of 2009 into law last May, he kicked up a dust storm in the ...
Merchant-level Sales Shake-up Ahead
The headlong dive to the pricing bottom by ISOs selling card acceptance services over the last few years has cheapened the service (in all senses), clobbered portfolio values and left sales reps with a single point of differentiation. The collis...
The CARD Act of 2009: The Regulation That Keeps On Giving
The credit card industry might have breathed a collective sigh of relief when the main implementation deadline of February 22, 2010 was in the rear view mirror. The operative word is "might." The third installment of Fed revisions to Reg Z take ...
The Under-Billed Market: It's The Little Payments That Mean A Lot
An opportunity market for migrating small value, service-related consumer-to-business payments from checks and cash to electronic payment forms is quickly emerging in the United States, spurred on by technology that supports inexpensive, conveni...
Global Prepaid Card Market Potential Ranking 2010
Global Prepaid Card Market Potential Ranking 2010
Merchant Cash Advance: The Pros and Cons of Outsourcing
The few merchant acquirers who have implemented in-house cash advance and business finance operations have had some success with this important value-added service through the recession, but many more, including the largest players in the mercha...
The Payments Land Grab: How Mobile Devices and the PCI Hammer are Shattering Old Models and Forcing Hardware Vendors into the Clouds
Incumbents in the payments industry are nervous. The combination of new technologies, particularly rich apps and mobile communication, coupled with the PCI mandate suggests tectonic shift is coming to the traditional payments value chain. No one...
Vertical Integration and the Payments Value Chain
Lower transaction volumes, tighter transaction processing margins, offshore hardware competitors, PCI compliance mandates, and the economics of payments processing are pushing key players in the payments industry to rethink their business models...
Credit Account Origination Systems Vendor Review: Beyond Cards
Research Explores New Developments in Credit Card Account Origination
Going Global: Taking Prepaid Processing Abroad
Research Provides Guidance for DevelopingInternational Prepaid Card Processing Strategy