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


B2B E-Commerce: The Challenges and Opportunities Caused by Digital Acceleration

Mercator Advisory Group reports that COVID-19 fueled growth in B2B e-commerce, especially in marketplace platforms, creating opportunities for many companies, including banks.

Futureproofing Payments: Building a Digital Currency Payment Strategy

  • Javelin Report
  • Date: March 22, 2021
  • Author(s): Rachel Huber, Krista Tedder
  • Research Topic(s): Tech & Infrastructure
Digital payments continue to evolve around digital currencies, stable coins, and cryptocurrencies, and financial institutions will need to determine how they will participate in digital financial services. With FIs moving beyond asset managem...

Developments in U.S. B2B Faster Payments

The march towards B2B faster payments ubiquity continues.

2021 Outlook: Emerging Technologies

  • Impact Note
  • Date: March 10, 2021
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Faster adoption of API’s, PaaS, Cloud, and other emerging technologies is driven by the shift in consumer behavior and by investments and acquisitions of fintechs.

EMV Deadline for Fuel Stations Approaches the Midnight Hour

The last phase of the U.S. retail conversion to EMV chip cards is approaching the card networks’ April 2021 mandate. After delays reaching back to 2015, fuel merchants are among the last holdouts. Most will make it; many will not. The transition...

Impacts of Regulatory Actions on Payment Technology

  • Javelin Report
  • Date: February 24, 2021
  • Author(s): Krista Tedder
  • Research Topic(s): Tech & Infrastructure
Payment regulation is on the horizon, not only for banks and credit unions, but also for fintechs. Some of the regulations are well overdue, like preventing discrimination in banking. Others are new to deal with the evolving cryptocurrency and p...

Google’s Advancement to Become a Super App

A simple mention in the Global Payments investment briefing provided insight into how embedded payments will be expanding through Google Advertising. Already a revenue powerhouse, Google's advertisements are wide reaching and cross many platform...

U.S. Faster Payments Forecast: The Volume Begins to Build

  • Javelin Report
  • Date: February 16, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit, Emerging
Mercator Advisory Group releases new research estimating and forecasting the faster and real-time payments progression.

Improving Cash Cycle Management Is a Key to Corporate Stability

A Mercator Advisory Group research report assesses the approaches and benefits of automating financial operations.

2021 Outlook: Prepaid

  • Impact Note
  • Date: February 3, 2021
  • Author(s): Theodore Iacobuzzio
  • Research Topic(s): Prepaid
COVID changes everything, with the government and EWA leading the way. While the effects of the CFPB’s Prepaid Rules in 2019 in no way constitute a minor event, their overall impacts have been buffered by the advent of the COVID-19 virus, impact...

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