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


Commuters Win with the Evolution in Transit Payments

  • Impact Note
  • Date: June 2, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Paying for transportation runs the gamut from cash and checks to modern, contactless mobile apps that let riders pre-plan and pre-pay for trips. Financial institutions have an opportunity to support the millions of riders in the U.S. that use ma...

Getting a Piece of the Buy Now, Pay Later Pie

Buy now, pay later financing is a burgeoning alternative payment method at the digital and physical point of sale. As availability and adoption increase in the United States and abroad, banks and credit unions must ensure they play a role. This ...

Online Grocery: Grocers Meet the Challenge of Digital Demand, but Can They Do It at a Reasonable Cost?

  • Javelin Report
  • Date: May 19, 2021
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
A Mercator Advisory Group research report assesses major online grocery growth and explores future opportunities for merchants and payments providers.

Cryptocurrencies: Governments and Banks Catch Up to the Adoption Curve

  • Javelin Report
  • Date: May 18, 2021
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging, Global
New Mercator Advisory Group research report examines the growing role of financial institutions in the cryptocurrency landscape and highlights areas of opportunities for payment providers and fintechs.

The Health of Cash and its Role Expanding the Digital Economy

  • Whitepaper
  • Date: May 18, 2021
  • Author(s): Rachel Huber, Krista Tedder
  • Research Topic(s): Tech & Infrastructure
This report, sponsored by Cardtronics, explores how the digital economy benefits from cash usage and consumer preferences for safe and easy commerce. Consumers who prefer to use cash are digitally savvy but are unable to access the digital econo...

Buy Now, Pay Later: Gaining Scale and the Disrupting Status Quo in Lending

Mercator Advisory Group’s latest report suggests high credit losses, pricing issues, and competition will force model change.

The U.S. Population of Unbanked Individuals is Shrinking

  • Javelin Report
  • Date: April 16, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Prepaid
Mercator Advisory Group releases new research looking at the business of banking the unbanked and the role of fintech to diminish their ranks.

Businesses Need Receivables Automation to Keep Cash Flow Positive During the Pandemic Recovery

In new research, Mercator Advisory Group reports an increased recognition that receivables modernization is a key part of digitized payments.

2021 Outlook: U.S. Payments

The judgment to make about the pressure exerted by the COVID-19 virus on the U.S. payments business hinges not only on which changes are important, but which changes are permanent, or portend permanent developments beyond their implementation. T...

An Exploration of the Complex Prepaid Market and How a Change in Reg. II Could Unravel Fintechs

  • Javelin Report
  • Date: April 9, 2021
  • Author(s): Laura Handly
  • Research Topic(s): Prepaid
Mercator Advisory Group releases new research on the prepaid market and how a change in interchange regulations could pose significant challenges for fintechs.

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