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
Commercial Mobile Payments Usage in the U.S.: Review and Forecast, 2019-2025
Mobility in the corporate banking and commercial card space has typically been more about service, but momentum is now building around direct mobile payments as well.
Commercial Prepaid: U.S. Closed-Loop Market Review and Forecast, 2020-2025
New research from Mercator Advisory Group shows which segments of the U.S. commercial closed-loop prepaid card market will grow and which will shrink through 2025.
Stripe’s OpenChannel Acquisition Facilitates Distribution of Services
Stripe’s series of high-profile acquisitions in 2021—the latest of which, OpenChannel, was announced in December—signal a shift toward operational areas adjacent to and complementary to Stripe’s well-known function as a payment processor. The Op...
Card Network-Merchant Conflicts Over Fees Are Set to Pick Up in 2022
Concerns about card networks’ merchant fees are about to be reignited by Amazon’s upcoming ban of Visa credit cards issued in the UK. The e-commerce titan has taken issue with Visa’s merchant fees—just like many merchants have had problems with ...
Open Banking American Style
Mercator Advisory Group releases new research that considers the state of connected banking in the U.S. and finds opportunities for financial institutions.
Credit Card as a Service: Vendors You Need to Know
Credit card as a service products are changing the payments landscape. New Mercator research looks at Credit Card as a Service (CCaas) products which are relatively new to the payments landscape and offer a variety of options for those wishing t...
Patent Analysis Reveals Key Competitive Information and Shift in Technology Investments
Patents are an overlooked resource. Analyzing payment patents identifies industry trends and reveals company-specific technology investment and perhaps future market focus.
Examining P2P’s Remarkable Growth and Promising Future Projections
Person-to-person transactions are among the fastest-growing payment types in the U.S. A relatively recent creation, P2P products have seen explosive growth in the last decade, propped up by widespread access to smartphones, the adoption of P2P s...
Revolving Debt in the United States: Ready to Charge, but Exercise Caution
Credit card issuers acted aggressively to restore revolving debt, thereby offsetting the interest revenue loss resulting from COVID-related changes in purchasing and borrowing habits. However, while growth results effectively rebuilt portfolios,...
2022 Cryptocurrency Trends & Predictions
The meteoric rise of cryptocurrency so far has outpaced regulators, tax management, and the payments industry. The coming year, however, looms as a time of catching up. With global financial powerhouses jumping into crypto, regulators won’t be f...