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

Merchant Payment Switching: Saving Money amid the Constraints

Javelin Report
Date: December 30, 2008
Author(s): Mercator
Research Topic(s): Emerging

Boston, MADecember 2008

Small Business Credit Card 2008 Update: Issuers and Customers Seek Order amid Chaos

Javelin Report
Date: December 30, 2008
Author(s): Mercator
Research Topic(s): Credit

Boston, MADecember 2008

Virtual Point-of-Sale: Diving in and Disappearing into the Line of Business Application

Javelin Report
Date: December 30, 2008
Author(s): Mercator
Research Topic(s): Emerging, Global

Boston, MAJanuary 2009

Mobile Commerce and Remote Payments: Consumers and Merchants are getting it, but will they really Use It?

Javelin Report
Date: December 21, 2008
Author(s): Mercator
Research Topic(s): Emerging

Boston, MADecember 2008

The Federal Reserve Moves on Card Practices: One Big Shoe Drops

Impact Note
Date: December 21, 2008
Author(s): Mercator
Research Topic(s): Credit

The Fed's new rules present major changes that must be accommodated in issuer business practices. Issuers are not powerless, but disclosures have been strengthened. Will consumers use this added information? Will compliance become a high-visibil...

The Local ISO: Strategies for Hometown Merchant Services

Impact Note
Date: December 21, 2008
Author(s): Mercator
Research Topic(s): Credit, Prepaid

While many larger providers have broadened their geographical focus as they have grown, smaller ISOs and Merchant Level Sales (MLS) agents are often limited by their local geographies. But this "limitation" is mostly just a perception of the hom...

Innovation Loves a Crisis - Economic Uncertainty Drives Gift Cards of all Shapes, Sizes, and Values

Impact Note
Date: December 9, 2008
Author(s): Mercator
Research Topic(s): Prepaid

In a challenging economic climate, consumers are shopping with tighter budges and are aggressively seeking the best deals during these holidays. It is anticipated that this will be one of the slowest shopping seasons in decades, with declines in...

Open-Loop Retail Reload Networks: Drivers of Increased Retention or Agents of Churn?

Javelin Report
Date: December 9, 2008
Author(s): Mercator
Research Topic(s): Prepaid

NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP

Observations from Abroad: An Infamous Sample of One

Impact Note
Date: December 8, 2008
Author(s): Mercator
Research Topic(s): Credit

When a payments analyst (Ken Paterson) goes abroad, he sees the world in terms of... payments. Despite this limited "sample of one," implications are apparent for U.S. stakeholders to see: can chip & PIN be avoided, surcharging is OK (when you h...