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
Reports
The Credit Card Data Book Part Two: Internal Dynamics
The Credit Card Data Book is a two-part annual publication that covers the internal and external factors affecting the U.S. credit card market. The first part focuses on environmental factors such as macroeconomic indicators and consumer prefere...
The Credit Card Data Book Part One: Environmental Factors
The U.S. credit market continued its path toward stabilization in 2022 but faced several hurdles, including rising interest rates, strained household budgets, and a highly competitive market environment. As a result, we expect conditions in 2023...
Open Banking Pushes Interoperability to the Payments Forefront
Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...
Fintech Trends in Corporate Banking
This impact note reviews the developments and trending movement of fintech as it relates to the corporate transaction banking space, which in effect is regarded as business-to-business (B2B) and business-to-government (B2G) use cases with all th...
Gen Z is Reaching Adulthood and Merchant Service Providers Need a Plan
Gen Z, defined as those born in 1997 or after, must be a top priority for all merchants and their service providers. Merchants need to build relationships with Gen Zers now in order to rack up sales and have relationships with young consumers th...
U.S. Commercial Prepaid Card Market Forecast
This report covers Mercator Advisory Group research and expectations in the commercial prepaid market. Highlights include trends for both open-loop and closed-loop products.
Prepaid Mobile Expanding Its Use Case in a 5G World
Prepaid mobile subscriptions provide simple and low-commitment options to connect to connected systems easily. With expanding technology, prepaid mobile will connect people through smartphones and serve as their primary connection to high-speed ...
Outside Regulatory Forces Impact Prepaid Market
This report covers Mercator Advisory Group research and expectations on how economic and regulatory issues are affecting the prepaid card market.
2023: The Year Digital ID Reaches Your Wallet (and Changes How You Pay)
Wallet-based digital ID will create a wedge between universal wallets and payment apps, as embedded finance product offerings converge on feature parity over time.
Business-to-Business Faster Payments on the Rise
Readers interested in faster payments systems, including real-time, near-real-time, and same-day settlement, will want to review this paper, particularly if their interest is in business-to-business (B2B) uses. The paper covers recent developmen...