What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
Open Banking Pushes Interoperability to the Payments Forefront
Thanks to open banking, interoperability has become a foundational building block of the modern financial services industry. This has led to product development that makes it easier for technology systems to work together and has fostered a best...
Fintech Trends in Corporate Banking
This impact note reviews the developments and trending movement of fintech as it relates to the corporate transaction banking space, which in effect is regarded as business-to-business (B2B) and business-to-government (B2G) use cases with a...
Gen Z is Reaching Adulthood and Merchant Service Providers Need a Plan
Gen Z, defined as those born in 1997 or after, must be a top priority for all merchants and their service providers. Merchants need to build relationships with Gen Zers now in order to rack up sales and have relationships with young consumers th...
U.S. Commercial Prepaid Card Market Forecast
This report covers Mercator Advisory Group research and expectations in the commercial prepaid market. Highlights include trends for both open-loop and closed-loop products.
Prepaid Mobile Expanding Its Use Case in a 5G World
Prepaid mobile subscriptions provide simple and low-commitment options to connect to connected systems easily. With expanding technology, prepaid mobile will connect people through smartphones and serve as their primary connection to high-speed ...
Outside Regulatory Forces Impact Prepaid Market
This report covers Mercator Advisory Group research and expectations on how economic and regulatory issues are affecting the prepaid card market.
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...