Payments Research

Payments

The payments industry is evolving rapidly as new technologies, changing consumer behaviors, regulatory developments, and emerging business models reshape how money moves. Javelin’s payments research team provides data-driven insights and advisory services across nine practice areas: Commercial & Enterprise, Credit, Digital Assets & Crypto, Debit, Emerging, Global, Merchant, Prepaid, and Tech & Infrastructure.

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

End-to-End Encryption: The Acquiring Side Responds to Data Loss and PCI Compliance

Javelin Report
Date: June 23, 2009
Author(s): Mercator
Research Topic(s): Emerging

End-to-End Encryption: The Acquiring Side Responds to Data Loss and PCI Compliance

Global EMV Migration and the European Market: 2009

Javelin Report
Date: June 9, 2009
Author(s): Mercator
Research Topic(s): Global

Global EMV Migration and theEuropean Market: 2009

Pay Now, Pay How? National Selection and the Alternative Debit Payment

Javelin Report
Date: June 9, 2009
Author(s): Mercator
Research Topic(s): Debit

Pay Now, Pay How? National Selection and theAlternative Debit Payment

Credit Card Reform Signed; What Next?

Impact Note
Date: June 1, 2009
Author(s): Mercator
Research Topic(s): Credit

With the CARD Act of 2009 (H.R. 627) now law, the industry can turn to the forgotten question of "what next" And by "next," we do not mean just the next nine months. We won't really know consumer and issuer outcomes for 2 to 3 years.

Text Messaging and Collections: Driving Response Rates 160 Bytes at a Time

Javelin Report
Date: May 25, 2009
Author(s): Mercator
Research Topic(s): Emerging

NEW RESEARCH PROVIDES GUIDANCE ON ENTERPRISE TEXT MESSAGING IN COLLECTIONS

Time to Flee China, or Not

Impact Note
Date: May 14, 2009
Author(s): Mercator
Research Topic(s): Global

The struggling of U.S. banks in the domestic market is now starting to directly affect their global strategies. Major U.S. financial institutions might be forced to sell off their overseas investments for cash for survival. Mercator Advisory Gro...

Barbarians At The Gate: Canadian Card Market Gets Ready To Rumble

Impact Note
Date: April 13, 2009
Author(s): Mercator
Research Topic(s): Debit

The Canadian payments card market is under siege from all sides. Merchants are gearing up for a fight on two fronts - debit and credit. Interac wants to open it's doors to outsiders, and legislators have entered the ring. The future path of the ...

Building a Business Ecosystem Around the Underserved - The Case of Venezulea

Javelin Report
Date: April 13, 2009
Author(s): Mercator
Research Topic(s): Global, Prepaid

Going after the un- and under-banked consumers remains a hot topic for prepaid cards. However, how to offer the right products, in the right channel, and at the right price are the big questions that need to be answered before the market potenti...

It's Time for Great Design to Drive Self-Service Financial Services Kiosk Deployment

Impact Note
Date: April 13, 2009
Author(s): Mercator
Research Topic(s): Emerging

Payment system hardware has needed a human factors makeover for some time. Almost every financial services kiosk or ATM draws its design inspiration more from a Lego-like building block approach than up-to-date conceptions of an integrated user ...