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


Impacts of Regulatory Actions on Payment Technology

  • Javelin Report
  • Date: February 24, 2021
  • Author(s): Krista Tedder
  • Research Topic(s): Tech & Infrastructure
Payment regulation is on the horizon, not only for banks and credit unions, but also for fintechs. Some of the regulations are well overdue, like preventing discrimination in banking. Others are new to deal with the evolving cryptocurrency and p...

Google’s Advancement to Become a Super App

A simple mention in the Global Payments investment briefing provided insight into how embedded payments will be expanding through Google Advertising. Already a revenue powerhouse, Google's advertisements are wide reaching and cross many platform...

U.S. Faster Payments Forecast: The Volume Begins to Build

  • Javelin Report
  • Date: February 16, 2021
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit, Emerging
Mercator Advisory Group releases new research estimating and forecasting the faster and real-time payments progression.

Improving Cash Cycle Management Is a Key to Corporate Stability

A Mercator Advisory Group research report assesses the approaches and benefits of automating financial operations.

2021 Outlook: Prepaid

  • Impact Note
  • Date: February 3, 2021
  • Author(s): Theodore Iacobuzzio
  • Research Topic(s): Prepaid
COVID changes everything, with the government and EWA leading the way. While the effects of the CFPB’s Prepaid Rules in 2019 in no way constitute a minor event, their overall impacts have been buffered by the advent of the COVID-19 virus, impact...

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...

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