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 Instant Payments: Global Update Part 2
Javelin Strategy & Research’s periodic check-in on the state of global instant payments finds rapid adoption across the globe, with volumes in places like the United States, Asia, India, and Brazil growing month after month. Instant payments, wi...
Imagining a Cardless U.S. Payments Landscape, Part 1
Any contemplation of a cardless future in U.S. payments starts with a definition of terms: The question is whether the form—physical credit and debit cards wielded at the point of sale—will survive. The function—payments that take place on card ...
Banking as a Service and Self-Inflicted Wounds
The “unbundling” of financial services through banking-as-a-service arrangements cast risk and compliance into a gray area. This was underscored by the failure of BaaS provider Synapse, which landed in bankruptcy, thus throwing consumer accounts...
PCI 4.0: What Merchants Need to Know
PCI compliance has traditionally taken a vertical approach to data security, with subsequent iterations of requirements going deeper into protecting payment data. For the first time, PCI is expanding horizontally by looking at all aspects of an ...
DFAST in Credit Cards: No Stress Now; Next Year, Maybe
Credit cards represent the largest risk item in the recently completed banking stress tests mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act. Potential losses under the hypothetical economic event prescribed in the 2024 ...
2024 Prepaid Holiday Preview
With preparations for the 2024 holiday shopping season in full stride, Javelin Strategy & Research highlights opportunities for the gift card ecosystem to capitalize on a moderated economy and find success during this critical sales period. This...
Where Are the Digital IDs? Three Questions You Must Ask
Understanding the progression of digital ID and its impact on consumer adoption of digital wallets requires exploration of three questions: One, where are digital IDs available? Two, where are they accepted? Finally, are consumers interested? Ta...
Understanding Crypto Custodians: Proliferation Continues
As cryptocurrencies and other digital assets move increasingly into the mainstream of finance, custodians of those assets move to the fore. With digital assets, challenges are often rooted in regulation and the implementation of technology, maki...
A Modern-Day Primer on Commercial and Enterprise Payments
Commercial and enterprise payments comprise some of the most essential elements of any large enterprise. They affect critical areas such as liquidity, cash forecasting, and creditworthiness. When those transactions are conducted on a global scal...
Cloud Vendors and What They Bring to Payments
Providers of cloud services have made strong plays for financial institutions in recent years, and accordingly, banks have begun migrating data and applications to the cloud rather than hosting storage and operations on-premises. The result has ...