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
Cardless Issuance: Key to Digital Transformation Strategy
This Viewpoint considers the value of digital issuance and what issuers will want to take into account as they consider digital issuance technology.
Digital Gaming: Expanding Prepaid Opportunities
The U.S. digital gaming market is booming, spurred by the rise of e-commerce and the realities of the ongoing COVID-19 pandemic. The industry uses a wide variety of monetization strategies, with significant opportunities for prepaid card issuers...
Cloud Banking for B2B Payments Is on the Rise
There is a steady acceleration of the payments infrastructure moving to cloud banking. This is not a new trend for payment fintech disruptors and some of the more forward-thinking financial institutions. Reasons behind this shifting landscape in...
Alternative Acquiring: The Evolution of Merchant Acquiring in the 21st Century
New report from Mercator Advisory Group reveals a significant decline in traditional merchant acquiring over the past decade, falling to historic lows in terms of market share. This has been accompanied by an increase in “alternative” merchant s...
Despite Their Hype, Fintech Companies Do Not Assure Investor Gold
Originally, Fintech was described as “new tech that seeks to improve and automate the delivery and use of financial services.”i Today, even the oldest and largest financial market participants are investing in new technology and describe themsel...
The PaaS Value Chain: Enabling Disruptive Payments
Mercator started extensive coverage of the prepaid industry in 2004 and has defined its value chain. That value chain and the technologies utilized have evolved, and Payments-as-a-Service (PaaS) providers are the result.
A Guide to Payments Orchestration
Payments orchestration benefits merchants in rapidly changing payments ecosystem. New research by Mercator Advisory Group looks into the future of payments processing.
Small Business Credit Cards: Growth Opportunities in a Post-COVID World
Small business credit cards: it’s about more than just rewards. New research from Mercator Advisory Group examines the current market for small business credit cards and highlights opportunities for issuers.
Credit Card Risk, Protracted Pandemic, and the Household Budget: Advice for Issuers
New Mercator Advisory Group report reveals potential risks for credit card issuers amidst a protracted pandemic.
Credit Surcharging and Cash Discounting: Approaches to Managing Processing Costs
Credit surcharging and cash discounting: do the benefits outweigh the risks? New report from Mercator Advisory Group examines developing regulations and opportunities for credit surcharging and cash discounting.