What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
2024 Trends & Predictions: Merchant Payments
It’s an ever-evolving world of payments and payment options for merchants, whether they conduct business from a fixed location or in e-commerce. The dizzying array of options can be overwhelming to merchants of any size, but especially to small ...
2024 Trends & Predictions: Prepaid Payments
Issuers of prepaid products face many opportunities to refine their offerings in the coming years, including sharpening the commitment to and messaging about going green, looking to mass markets for chances to better connect with purchasers and ...
2024 Trends & Predictions: Tech & Infrastructure
A new wave of investment is coming to payments technology and infrastructure. In the year ahead, and beyond, look for the concept of “payment modernization” to take on greater definition and form as financial institutions grapple with a host of ...
International Commercial Credit Cards: Market Review and Forecast, 2022-2027
This annual Javelin Strategy & Research report examines the international commercial card market from a regional perspective. This report covers Western Europe, Asia Pacific, Latin America and the Caribbean, and Central and Eastern Europe. This ...
Revenue Dynamics of Debit Cards Since Dodd-Frank
Amid the ever-shifting payments landscape, debit also stands to be transformed by changing regulations and shifting consumer habits. New routing regulations could have an impact on cost and revenue, given the flourishing world of e-commerce and ...
SNAP Prepaid Cards: Operating on a Restricted Network
The Supplemental Nutrition Assistance Program—SNAP—isn’t administered like other government benefits programs, which distribute monies to eligible individuals through bank accounts and branded cards. SNAP, previously called food stamps, runs on ...
Digital Fiat: The Future of CBDCs
The deployment of central bank digital currencies (CBDCs) on a global scale is no longer a question of “if” but of “when.” As countries representing the vast preponderance of global gross domestic product continue to explore CBDCs to varying deg...
Late Fees: A Regulatory Hot Button, Not a Junk Fee
The Biden administration has announced an effort to rid consumers of so-called “junk fees,” and in the context of credit cards, attention is focused on late fees assessed on delinquent accounts. But such fees are not “junk.” They are transparent...
What the Expansion of International Instant Payment Rails Could Mean
India has global ambitions for the Unified Payments Interface (UPI), its wildly popular and admired instant payments system. The way it has positioned the system—and similar moves elsewhere, such as Brazil (with Pix)—serves as a model for countr...
The Merchant Side of BNPL
Join Javelin’s Daniel Keyes and Christopher Miller as they discuss what the rise of Buy Now, Pay Later (BNPL) solutions means for merchants, and how merchant services providers can help their clients navigate this modernized version of layaway.