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
Asian Mobile Pays Continue High Growth, But U.S. Market Expansion Stalls
The Influence of Mobile Apps WeChat Pay and Alipay Extends Far Beyond China’s Borders Mercator Advisory Group releases new research on the expanding influence of the largest mobile payment apps in Asia and how they are setting a path for mobile...
U.S. Stimulus Payments: Another Proving Ground for Prepaid Cards
With 140 million entitled U.S. citizens allocated $239 billion in stimulus funds, checks and ACH payments filled the need for most. For 3.6 million people without payment information on file, prepaid cards were a lifeline with $5.42 billion in e...
Steady Progress Through Easing the Experience: Commercial Cards Success Prescription
Consistently improving the product and delivery systems pays dividends.
Debit: A Good Man in a Storm
Recent payment transaction data for the first half of 2020 tells an interesting story of how consumers are reacting through their choice of payments during the pandemic.
How New Approaches to Reducing Identity Fraud Can Deliver a Better Digital Experience
Security controls can be considered as speed bumps and roadblocks to a good customer experience. But with a thoughtful identity management workflow, the opposite is true - security can even enable innovation.
Mega Mergers of Merchant Acquirers—One Year Later
2019 was a blockbuster year for U.S. M&A activity and major payment industry players were right in the thick of it. Six became three. That was the dealmaking scenario for Fiserv-First Data, FIS-Worldpay, and Global Payments-TSYS. These already s...
Payment Directories: Do They Have a Role to Play in the Adoption of U.S. Faster Payments?
Payment directories are nothing new, but renewed effort has been given to them in consideration of how they could facilitate adoption of faster payments through access to consumer and business account details.
Commercial Credit Cards: North America Market Review and Forecast, 2018-2024
North America Commercial Credit Cards: Market Review and Forecast, 2018-2024. Mercator Advisory Group releases new research about commercial credit card trends in North America.
Credit Cards in a Post COVID World: Seven Takeaways for the Next Business Cycle
Planning for economic recovery in credit cards: now is not too early. New research report by Mercator Advisory Group focuses on the recovery of the credit card business and the COVID-19 pandemic.
Tracking Mistakes in AI: Using Vigilance to Avoid Errors
AI and machine learning can help FIs avoid risk — but they have risk of their own. Mercator Advisory Group releases a new research report that examines the impact of hidden biases in ML and Artificial Intelligence—and how to avoid them.