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
Digital Channels Are Key for Customer Acquisition
Acquiring new customers is one of the most important aspects of sustaining a credit card business and one of the costliest areas of the marketing budget. Issuers must always stay in tune with new trends in card marketing and onboarding as well a...
Upping the Ante: Deconstructing the BlackRock and Coinbase Integration
BlackRock and Coinbase are partnering to offer bitcoin, which will give institutional investors access to crypto. This puts them at the forefront of institutional adoption and in competition with Fidelity Digital Assets, which has built its cryp...
Social Commerce and Its Impact on Payments
Social media started as a place for people to connect, while search engines were the way consumers shopped for what they wanted. With social commerce, social media sites are becoming more like shopping malls where consumers can both socialize an...
Inflation: Keep an Eye on the Consumer Budget
In the United States, the Federal Reserve Bank measures the inflation rate with the consumer price index (CPI), compiled by the Bureau of Labor Statistics. The CPI tracks 200 spending categories, classified into eight groups: food and beverages,...
Corporate Banking & Payments Finds Practical Uses for Crypto
Cryptocurrency and blockchain technology have grown in popularity since the inception of Bitcoin in 2009. Starting as a niche commodity among investors, cryptocurrency and its accompanying blockchain technology have developed into various forms ...
Procure-to-Pay Digital Convergence Moving Forward
This research report from Mercator Advisory Group reviews the trends in the procure-to-pay spectrum of systems and processes.
Credit Card Issuers: Drive Down Costs Before Loan Losses Rise
In this report, we review the current condition of U.S. credit cards, identify income and expense categories, and suggest where issuers may find opportunities by tuning revenue lines or decreasing expense lines.
Crypto Retirement Solutions for Self-Directed Investors
Cryptocurrency investment has emerged as a tax-deferred retirement solution, which solves a problem for crypto investors also looking at a long-term investment horizon that expects capital gains. As younger investors—those between the ages of 21...
Differing Models Continue to Define P2P Payments
The funding mechanism consumers use for their person-to-person (P2P) transactions will determine the financial relationship P2P platforms can build with their users. P2P operators must figure out how to make the unprofitable yet popular industry...
U.S. 2022 Person-to-Person (P2P) Payments Market Update
A new research report from Mercator Advisory Group looks at the current state of person-to-person (P2P) payments and the shifts that are occurring.