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
Processing Recurring and Subscription Payments Without Friction: A Key to Unlocking Transactions from a Forecasted $830 Billion Card Market
New research from Mercator Advisory Group finds reducing friction is the key to the subscription and recurring payments market.
Rise of the Crypto Custodians
As banks, insurers and other wealth managers assess the risks of the crypto market—particularly cybersecurity—they should not be dissuaded from exploring the opportunities. Strategic opportunities include positioning cash management as a springb...
Payment Facilitation: What You Need to Know
The payment facilitation model first appeared in the market in 2010 as a way to create a simple, cost-effective mechanism for micro-merchants to accept payment cards. This viewpoint will examine the growth of the payfac model as its utility is e...
Cardless Issuance: Key to Digital Transformation Strategy
This Viewpoint considers the value of digital issuance and what issuers will want to take into account as they consider digital issuance technology.
Digital Gaming: Expanding Prepaid Opportunities
The U.S. digital gaming market is booming, spurred by the rise of e-commerce and the realities of the ongoing COVID-19 pandemic. The industry uses a wide variety of monetization strategies, with significant opportunities for prepaid card issuers...
Cloud Banking for B2B Payments Is on the Rise
There is a steady acceleration of the payments infrastructure moving to cloud banking. This is not a new trend for payment fintech disruptors and some of the more forward-thinking financial institutions. Reasons behind this shifting landscape in...
Alternative Acquiring: The Evolution of Merchant Acquiring in the 21st Century
New report from Mercator Advisory Group reveals a significant decline in traditional merchant acquiring over the past decade, falling to historic lows in terms of market share. This has been accompanied by an increase in “alternative” merchant s...
Despite Their Hype, Fintech Companies Do Not Assure Investor Gold
Originally, Fintech was described as “new tech that seeks to improve and automate the delivery and use of financial services.”i Today, even the oldest and largest financial market participants are investing in new technology and describe themsel...
The PaaS Value Chain: Enabling Disruptive Payments
Mercator started extensive coverage of the prepaid industry in 2004 and has defined its value chain. That value chain and the technologies utilized have evolved, and Payments-as-a-Service (PaaS) providers are the result.
A Guide to Payments Orchestration
Payments orchestration benefits merchants in rapidly changing payments ecosystem. New research by Mercator Advisory Group looks into the future of payments processing.