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

Differing Models Continue to Define P2P Payments

  • Javelin Report
  • Date: June 30, 2022
  • Author(s): Marco Salazar, Daniel Keyes
  • Research Topic(s): Tech & Infrastructure
The funding mechanism consumers use for their person-to-person (P2P) transactions will determine the financial relationship P2P platforms can build with their users. P2P operators must figure out how to make the unprofitable yet popular industry...

U.S. 2022 Person-to-Person (P2P) Payments Market Update

A new research report from Mercator Advisory Group looks at the current state of person-to-person (P2P) payments and the shifts that are occurring.

Smart Contracts: New Contract Creation Tools Required to Ensure Contract Transparency and Trust

  • Impact Note
  • Date: June 24, 2022
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Most decentralized finance (DeFi) discussions focus on the importance of the underlying immutable distributed ledger and the cryptocurrency used as the medium of value exchange. But perhaps the more important component of DeFi solutions is the a...

Overdraft Fees at an Inflection Point, Not a Cliff

  • Javelin Report
  • Date: June 23, 2022
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Mercator Advisory Group releases new research that looks at the complex state of overdraft fees and the changes that are occurring.

Digital Wallets: Moving Beyond Payments With Expanding Options

This new Mercator research delivers a look at the state of digital wallets, where they are headed, and actions that may need to be taken now.

Data Aggregation: Empowering FI Decision Making

  • Javelin Report
  • Date: June 14, 2022
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
A new report from Mercator Advisory Group looks at the data aggregation market. It discusses how data aggregation will effect your business and what actions you need to take to manage the aggregation.

The Emerging Age of the Super App

  • Javelin Report
  • Date: June 7, 2022
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit, Global
Mercator Advisory Group releases new research with a view of the super app ecosystem and how this impacts the financial services industry.

2022 ATM Market Summary: Coping in a New Cash and Digital Era

  • Javelin Report
  • Date: June 3, 2022
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Mercator Advisory Group releases new research exploring market trends and consumer usage regarding ATMs in the COVID-19 era.

Unattended Commerce: The Store of the Future?

  • Javelin Report
  • Date: June 1, 2022
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
This report reviews the effects of the pandemic and the continued growth of unattended commerce.

International Commercial Credit Cards: Market Review and Forecast, 2021-2026

A new Mercator Advisory Group research report reviews developments and trends for commercial credit cards in markets outside of North America, where business travel spending has started to improve.

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