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
Small Business Credit Cards: Growth Opportunities in a Post-COVID World
Small business credit cards: it’s about more than just rewards. New research from Mercator Advisory Group examines the current market for small business credit cards and highlights opportunities for issuers.
Credit Card Risk, Protracted Pandemic, and the Household Budget: Advice for Issuers
New Mercator Advisory Group report reveals potential risks for credit card issuers amidst a protracted pandemic.
Credit Surcharging and Cash Discounting: Approaches to Managing Processing Costs
Credit surcharging and cash discounting: do the benefits outweigh the risks? New report from Mercator Advisory Group examines developing regulations and opportunities for credit surcharging and cash discounting.
Digital Onboarding and Authentication – How to Fulfill the Promises of Frictionless Customer Experiences
Partly propelled by the current pandemic, banks and other FI’s are aggressively pursuing a ‘solely-digital’ customer experience strategy to meet evolving customer expectations. As the modern banking experience undergoes this digital transformati...
Greenfield Opportunities to Serve the Banking Needs of Kids
There is a vibrant market within financial services serving the needs of children and teenagers. The offerings are not the clunky teen-card product constructs of the past, but are sophisticated super apps that allow users to spend, save, set fin...
Prepaid Mobile Phone Market 2021: Key Trends and Use Cases
The prepaid mobile phone market is marked by intense competition and gradual, sustained growth. Prepaid mobile plans have evolved to incorporate a broad array of compelling features, while remaining more flexible and affordable than postpaid alt...
Commercial Mobile Payments Usage in the U.S.: Review and Forecast, 2019-2025
Mobility in the corporate banking and commercial card space has typically been more about service, but momentum is now building around direct mobile payments as well.
Commercial Prepaid: U.S. Closed-Loop Market Review and Forecast, 2020-2025
New research from Mercator Advisory Group shows which segments of the U.S. commercial closed-loop prepaid card market will grow and which will shrink through 2025.
Stripe’s OpenChannel Acquisition Facilitates Distribution of Services
Stripe’s series of high-profile acquisitions in 2021—the latest of which, OpenChannel, was announced in December—signal a shift toward operational areas adjacent to and complementary to Stripe’s well-known function as a payment processor. The Op...
Card Network-Merchant Conflicts Over Fees Are Set to Pick Up in 2022
Concerns about card networks’ merchant fees are about to be reignited by Amazon’s upcoming ban of Visa credit cards issued in the UK. The e-commerce titan has taken issue with Visa’s merchant fees—just like many merchants have had problems with ...