Payments Research

What shapes consumer transactions and payment technologies, and where is it going?

Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.

Payments Research


Gift Card Fraud: Trends and Mitigation

  • Impact Note
  • Date: November 4, 2021
  • Author(s): Laura Handly
  • Research Topic(s): Prepaid
Fraud has always been a challenge for the gift card market, and recent years have seen an increase in the number of cases and total financial losses. Despite this trend, recent advances in technology are helping in fraud prevention and detection...

Chargebacks: Increases in Credit Card Disputes Threaten Merchant Profitability

  • Javelin Report
  • Date: November 2, 2021
  • Author(s): Don Apgar
  • Research Topic(s): Credit, Merchant
The COVID-19 pandemic accelerated the adoption of e-commerce sales across the U.S., but it also caused a major increase in the number of chargebacks experienced by merchants across all scales and industries. Understanding the key causes and impl...

18th Annual U.S. Open-Loop Prepaid Cards Market Forecasts, 2021–2025

  • Javelin Report
  • Date: November 1, 2021
  • Author(s): David Nelyubin
  • Research Topic(s): Prepaid
Open-loop prepaid card loads increase as a result of the pandemic. New research from Mercator Advisory Group shows which segments of the U.S. open-loop prepaid card market will grow and which will shrink through 2025.

Gen Z’s Payments Journey Begins

Gen Z is on the brink of becoming a major segment of paying consumers, making it high time for all types of payments firms to develop strategies to target the age group. But the generation will not simply follow in the footsteps of older generat...

What We Can Learn From PayPal’s Abandoned Bid for Pinterest

PayPal may have nixed potential plans to acquire Pinterest, but there’s still much to learn by examining why PayPal was interested in shelling out $45 billion for the social media platform. The payments titan saw the opportunity to build out its...

Autonomous Vehicles, Connected Vehicles, and Their Impact on Payments

  • Javelin Report
  • Date: October 29, 2021
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
New report from Mercator Advisory Group looks into the future of payments in a connected environment.

Biometrics Use Is on the Rise for Payments: Banks and Merchants, Get Ready to Adopt Faces and Fingertips for Authentication

  • Javelin Report
  • Date: October 25, 2021
  • Author(s): Tim Sloane
  • Research Topic(s): Credit, Emerging
Biometrics steadily replaces legacy authentication methods. A new report from Mercator Advisory Group explores the leading developments in the field of physiological and behavioral biometrics, including successful implementation cases by major ...

CECL: Proven in the Field and Ready for Prime Time

  • Impact Note
  • Date: October 18, 2021
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Bankcard accounting requirements for recognizing credit losses at top banks became subject to more conservative rules following the Great Recession and Dodd-Frank. The process, which took effect in 4Q 2019, helped the industry prepare for unanti...

Request for Pay: Opportunities Await, but It’s a Long Road to Mainstream Adoption

The U.S. payments market is beginning to see the launch of Request-for-Pay (RfP) products using the messaging system developed by The Clearing House and tied to the RTP network. RfP solutions currently being deployed have limited audiences, but ...

How to Build a Production-Ready Banking API Portal and Avoid EU Mistakes

  • Javelin Report
  • Date: October 5, 2021
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Mercator Advisory Group’s latest report ranks 12 API management platforms based on three critical operational areas that have caused delays in the rollout of the PSD2 mandated APIs in Europe. For those planning an API portal deployment, this rep...

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