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
A Lesson for the U.S: How EU Open Banking APIs Have Stabilized to Support Alternative Networks
Mercator Advisory Group evaluates the difficulties of standing up production level API platforms, identifies key workarounds that were needed to establish alternative payment network solutions, and provides six snapshots of these alternative pay...
Will The Fed Clarify Regulation II to Enforce Utilization of Two Unaffiliated Networks? Mercator Sees it as Likely
On May 7, 2021 the Federal Reserve Board of Governors issued a Notice of Proposed Rulemaking to amend Regulation II which, if enacted, will require all financial institutions to ensure that card-not-present transactions can be successfully route...
Modernizing Regulatory Oversight of New Technology – Fast Enough to Manage Risks?
Regulators traditionally manage the guardrails of payments, but recent trends move them up to the frontline to safeguard new payment programs that foster innovation, help spawn local investments, and speed up the time it takes to bring financial...
Corporate Banking: Modernize or Risk Disenfranchisement
To satisfy shifting customer expectations and drive revenue in a rapidly changing industry, corporate banks need to modernize by offering new services and embracing the latest technologies. Their success or failure depends on it.
Commuters Win with the Evolution in Transit Payments
Paying for transportation runs the gamut from cash and checks to modern, contactless mobile apps that let riders pre-plan and pre-pay for trips. Financial institutions have an opportunity to support the millions of riders in the U.S. that use ma...
Getting a Piece of the Buy Now, Pay Later Pie
Buy now, pay later financing is a burgeoning alternative payment method at the digital and physical point of sale. As availability and adoption increase in the United States and abroad, banks and credit unions must ensure they play a role. This ...
Online Grocery: Grocers Meet the Challenge of Digital Demand, but Can They Do It at a Reasonable Cost?
A Mercator Advisory Group research report assesses major online grocery growth and explores future opportunities for merchants and payments providers.
Cryptocurrencies: Governments and Banks Catch Up to the Adoption Curve
New Mercator Advisory Group research report examines the growing role of financial institutions in the cryptocurrency landscape and highlights areas of opportunities for payment providers and fintechs.
The Health of Cash and its Role Expanding the Digital Economy
This report, sponsored by Cardtronics, explores how the digital economy benefits from cash usage and consumer preferences for safe and easy commerce. Consumers who prefer to use cash are digitally savvy but are unable to access the digital econo...
Buy Now, Pay Later: Gaining Scale and the Disrupting Status Quo in Lending
Mercator Advisory Group’s latest report suggests high credit losses, pricing issues, and competition will force model change.