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
Quantum Changes Everything: Protect Your Data Now
Adversaries intercept and store encrypted data today for decryption in 5 to 10 years using quantum computers. To gain first-mover advantage, banks need the people and skills that can solve business problems using quantum computing.
Insights from Recent Mercator Study: Commercial Card Users Underscore the Importance of Card Spend Management Tools
In the commercial credit card space, the use cases for spend management software have traditionally been related to travel and expense management, with corporate card programs as the product set to which the solutions integrate. Commercial card ...
Installment Lending: Fintechs Gaining Ground on Loans Forecast at $212 Billion
Banks and credit unions lose scale on loans as fintechs grow. New research from Mercator Advisory Group explores current trends and opportunities in installment lending for fintechs and financial institutions.
Prepaid Cards Break Through Conventional Restrictions and Now Behave Like Traditional Credit and Debit Cards
The prepaid card industry has benefitted from significant technological advances in recent years, which serve to make prepaid offerings more secure, convenient, and appealing to consumers of all types. This viewpoint examines the most widely use...
2022 U.S. Faster Payments Forecast: A Year to Build On
The growth of real-time and faster payments is driving consumer demand. Mercator Advisory Group releases new research that analyses the growth and impact of faster and real-time payments in the U.S.
Credit Cards and COVID-19: How the Pandemic Transformed the Credit Card Industry
Two years of the coronavirus pandemic have caused tectonic shifts in the credit card industry that will have permanent effects on issuers, card networks, and all other firms involved in the space. Although the pandemic is ongoing, using the anni...
Treasury Automation: Adapting to Increased Expectations
In new research, Mercator Advisory Group reports how treasury automation has accelerated during the pandemic as CFOs seek more strategic results.
Processing Recurring and Subscription Payments Without Friction: A Key to Unlocking Transactions from a Forecasted $830 Billion Card Market
New research from Mercator Advisory Group finds reducing friction is the key to the subscription and recurring payments market.
Rise of the Crypto Custodians
As banks, insurers and other wealth managers assess the risks of the crypto market—particularly cybersecurity—they should not be dissuaded from exploring the opportunities. Strategic opportunities include positioning cash management as a springb...
Payment Facilitation: What You Need to Know
The payment facilitation model first appeared in the market in 2010 as a way to create a simple, cost-effective mechanism for micro-merchants to accept payment cards. This viewpoint will examine the growth of the payfac model as its utility is e...