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
2023: The Year Digital ID Reaches Your Wallet (and Changes How You Pay)
Wallet-based digital ID will create a wedge between universal wallets and payment apps, as embedded finance product offerings converge on feature parity over time.
Business-to-Business Faster Payments on the Rise
Readers interested in faster payments systems, including real-time, near-real-time, and same-day settlement, will want to review this paper, particularly if their interest is in business-to-business (B2B) uses. The paper covers recent developmen...
Merchant Service Providers’ Most Important Work Starts After the Holidays
The 2022 holiday sales season looks to be a strong one for merchants, but they’ll need help from service providers to survive and thrive into 2023 and beyond.
Secured Card Market in 2022
Despite its long history of ups and downs, the secured card market is ripe for opportunity. The product excels as a credit-building tool used to enable credit access. We track exciting new programs in the field and analyze the current marketplac...
Debit Regulation II Clarification
A new clarification to a debit regulation sets standards for dual routing in card-not-present transactions, but how will the Federal Reserve Board’s regulation affect merchants, debit card issuers, and consumers?
19th Annual U.S. Open-Loop Prepaid Card Market Forecast
This report covers Mercator Advisory Group research and expectations in the open-loop prepaid market. Highlights include trends for 9 different open-loop products.
Next Steps for Crypto: Weathering the FTX Fallout
The collapse of FTX and Alameda Research has given cryptocurrency another black eye and provided fodder for skeptics about the industry and digital assets. But the situation, as ugly as it is, could provide the perfect catalyst for the industry ...
2023 Payments Trends
The payments ecosystem is evolving. The Javelin and Mercator analysts joined forces to bring their clients the most comprehensive payments trends and forecasts. Join Brian Riley and James Wester, co-heads of payments, as they discuss the impact ...
19th Annual U.S. Closed-Loop Prepaid Card Market Forecast
This report highlights trends for 11 closed-loop products encompassing such areas as transit, nutrition assistance, consumer incentives, and petroleum. We lean on consumer use and sentiment toward these cards. Economic conditions and market turm...
2022 Buy Now, Pay Later Scorecard
The buy now, pay later industry—widely known as BNPL—has become so popular and competitive that Javelin Strategy & Research is rolling out its first scorecard of the major players in the space. The scorecard assesses five companies examined in a...