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


Future-Proofing Payment Card Strategies

  • Javelin Report
  • Date: October 22, 2020
  • Author(s): Krista Tedder, Rachel Huber
  • Research Topic(s): Tech & Infrastructure
This report is the second in a series covering payment impacts due to the changes in payment behavior. This report focuses on how payment habits affect the total cost of ownership of a card program and what is required for maintaining digital to...

Crowded Payment Gateway Landscape Offers Much To Online Merchants, Part 2: U.S. Market Company Profiles

  • Javelin Report
  • Date: October 21, 2020
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
Online Merchants See Vast Choice among Payment Gateway Firms in U.S. Market A Mercator Advisory Group research report specifies the field of U.S. market payment gateways along with a corresponding vendor selection criteria and process.

Senator Durbin is Not Done with Debit Yet

  • Impact Note
  • Date: October 21, 2020
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit, Prepaid
Senator Richard Durbin (D-IL) of Durbin Amendment fame has asked the Federal Reserve Board of Governors to determine if financial institutions that have not adopted PINless debit are inhibiting merchants’ choice of debit networks, particularly f...

Sibos 2020: The View from a Desk

In the midst of a pandemic, the singular international banking event was delivered in an online and condensed format, but still provided valuable information for institutions to prepare for the changing market demands. The future is now as corpo...

Consumer Debt Collection Software: Vendor Assessment

Credit Card Collection Systems: Four Risk Management Tools Collection Systems Lay the Groundwork, but Training and User/Vendor Interaction are the Key for Success

Optimizing Dispute Strategies

This report evaluates consumer needs for disputing transactions and the challenges faced, and offers guidance on how financial services—both issuing and merchant—can improve the dispute experience to retain customers.

FedNow Instant Payments Starts to Take Shape

  • Impact Note
  • Date: October 8, 2020
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Approximately one year after the Federal Reserve Board of Governors (the Fed) announced its intent to become a real time payments operator, updates have been announced that give shape to what can be expected from FedNow Instant Payments.

No Holiday for the Regulator During the Pandemic

In the midst of COVID-19, corporate banks must still deal with regulations as a fact of life.

Improve Real-Time Payment Market Positioning Through Consumer Diversity

  • Javelin Report
  • Date: September 23, 2020
  • Author(s): Krista Tedder
  • Research Topic(s): Tech & Infrastructure
This report helps focus on how consumer groups can be evaluated to diversify ways to pay and expand the market share of the financial institution through accessibility.  

Fast Access, Fast Payments

This original report, sponsored by PSCU, provides insights and education to help Credit Unions prepare for the implementation of faster payments. A continuation of 2019's The Credit Unions' Guide to Faster Payments, this report provides guida...

Talk to our payments experts