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

A Seamless POS Future: Moving Order Entry and Payments into an iPod

Impact Note
Date: February 26, 2008
Author(s): Mercator
Research Topic(s): Emerging

At the end of 2007, a patent for ordering frequent purchases like your morning coffee was awarded to Apple. The design allows the consumer to make an order using any wireless portable device -- a WiFi-enabled iPod, a PDA or a mobile phone -- whe...

Mobile Banking: Just Getting Off the Ground

Impact Note
Date: February 26, 2008
Author(s): Mercator
Research Topic(s): Emerging

Mercator Advisory Group took a look at the top commercial banks, credit unions and community banks to see who has, and has not, deployed mobile banking. While many of the FIs of all sizes say they are planning to deploy, as of the end of Decembe...

Mobile Payment Case Studies: UMPay and China's Mobile Payment Market

Javelin Report
Date: February 26, 2008
Author(s): Mercator
Research Topic(s): Global

Beijing Union Mobile Pay (UMPay) is the largest mobile payment service provider in China, the largest single mobile phone market in the world. Since established in 2003, UMPay has been making steady progresses in rolling out various mobile payme...

Merchant Cash Advance: Industry Primer and 2008 Outlook

Javelin Report
Date: February 21, 2008
Author(s): Mercator
Research Topic(s): Credit

The Merchant Cash Advance (MCA) market will likely face increased M&A and start-up activity and formations of new alliances in 2008 as existing players consolidate and speculators who were singed by the subprime mortgage crisis seek new revenue ...