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


Virtual Account Management Gains Momentum

Virtual accounts are gaining wider adoption as banks and financial professionals see the benefits accrue.

2021 Financial Industry Trends: Payments

Join Krista Tedder, Director of Payments as she walks you through Javelin’s predictions for the Payments Industry.

BNPL Borrowing: Confessions of a Credit Card Manager

  • Impact Note
  • Date: January 28, 2021
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Credit card issuers must do more than observe Buy Now Pay Later lenders; they need to decompose the process and shift the playing field back to banking.

Brace for an Interchange Squeeze

A Justice Department antitrust lawsuit did more than scuttle Visa’s $5.3 billion acquisition of Plaid. It spotlighted a worrisome strategic issue facing the financial services industry in 2021: the threat to interchange revenue. 

Third-Party Delivery Firms Form Necessary but Uneasy Alliances with Merchants

  • Impact Note
  • Date: January 28, 2021
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
Home delivery of groceries and restaurant food is now a way of life for most U.S. households. During 2020, COVID-19 drove online ordering and doorstep delivery. Grocers in particular had more online volume than they could handle. For restaurants...

U.S. Bill Pay Market: Can Financial Institutions Win Back Payers?

  • Javelin Report
  • Date: January 26, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
In a new report, Mercator Advisory Group forecasts the U.S. bill pay market will edge closer to $4 Trillion in annual processed volume. Checks payments will give way to card and electronic transaction types.

Payments Keep Branch Banking Alive

If a bank considers branch banking unimportant, it needs to think again. Approximately 13% of consumers have not walked into a branch in the past year, down only slightly (3%) from 2019, even amid pandemic restrictions. The importance of branche...

Contactless POS Payments Finally Ready For Prime Time

  • Impact Note
  • Date: December 31, 2020
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
Several years in the making, contactless payment cards are finally arriving in large numbers at mailboxes throughout the U.S.

Card Networks Deploy Delegated Authentication: Everybody Wins!

  • Impact Note
  • Date: December 30, 2020
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
With Delegated Authentication, card networks enable merchants to control the entire cardholder experience. Issuers reduce costs while consumers can use biometrics for online shopping and passwords slowly fade away.

Commercial Prepaid North America: Open-Loop Market Review and Forecast, 2019-2024

  • Javelin Report
  • Date: December 28, 2020
  • Research Topic(s): Prepaid
Corporate spending to power commercial prepaid growth 2021-2024. A Mercator Advisory Group research report assesses continued growth of commercial prepaid in North America despite the pandemic.

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