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
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.
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...