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

The Rise of Hybrid Credit/ Prepaid Cards

Javelin Report
Date: April 6, 2009
Author(s): Mercator
Research Topic(s): Credit, Prepaid

USE OF CREDIT TO EXTEND PREPAID (GPR) INTO FINANCIAL SERVICES TERRITORY

Debit Processing in the United States: A Focus on Issuer Solutions

Javelin Report
Date: March 30, 2009
Author(s): Mercator
Research Topic(s): Debit

Debit Processing in the United States: A Focus on Issuer Solutions

Prepaid Fraud and Risk: Between Cash and a Hard Place

Javelin Report
Date: March 24, 2009
Author(s): Mercator
Research Topic(s): Prepaid

Merchant Security, Tokenization and the Fairy Tale of Outsourcing PCI

Javelin Report
Date: March 17, 2009
Author(s): Mercator
Research Topic(s): Emerging

NEW RESEARCH BY MERCATOR ADVISORY GROUP IDENTIFES CHALLENGES OF NEW PCI COMPLIANCE MITIGATION STRATEGY

Credit Card Issuer Processing: State of the Industry

Javelin Report
Date: February 5, 2009
Author(s): Mercator
Research Topic(s): Credit

NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP

A Guide to Achieving Greater Prepaid Volume: Six Channels That Drive Prepaid Success

Javelin Report
Date: February 2, 2009
Author(s): Mercator
Research Topic(s): Prepaid

January 2009Boston, MA

Merchant Acquiring Business Model Taxonomy

Javelin Report
Date: January 26, 2009
Author(s): Mercator
Research Topic(s): Credit

In this research note, Mercator examines the various roles performed by companies involved in merchant payment acquiring and categorizes acquirers within seven basic business models. We discuss the traditional notion of "acquirer," and offer a b...

Prepaid Cards & the Incentives Market: Challenges of Bringing a High Value Feature Rich Product into an Already Complex Market

Javelin Report
Date: January 20, 2009
Author(s): Mercator
Research Topic(s): Prepaid

Boston, MAJanuary 2009

Credit Crunch 2009: January Update

Javelin Report
Date: January 13, 2009
Author(s): Mercator
Research Topic(s): Credit

This is the first in a series of updates that will be published in 2009 as the global credit crunch hits home in the United States credit card marketplace. Building on our analysis published in November 2008 (Declining Credit Card Growth 2008: A...