Payments Research

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


API Usage Expands in Corporate Banking and Payments

Corporate banking use cases for open APIs are on the rise.  Open application programming interfaces, or APIs, have become widespread across commercial and industrial organizations, and financial services is no exception. The larger players are n...

Open Banking and Its APIs Debut in Europe and the U.K. . . . and Next?

  • Javelin Report
  • Date: March 26, 2018
  • Author(s): Ken Paterson
  • Research Topic(s): Global, Merchant
As open banking and its enabling APIs debut in Europe and the U.K., the waves are felt in the U.S. Mercator Advisory Group foresees U.S. open banking developments similar to those in EU and U.K. though without the regulatory mandates.

U.S. Market Forecast for P2P Solutions, 2017–2021

  • Javelin Report
  • Date: March 22, 2018
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Mercator Advisory Group releases new research and U.S. market forecast for person-to-person payment products.

2018 Consumer Financial Protection Bureau (CFPB) Final Prepaid Rule: Is This Really It?

  • Javelin Report
  • Date: March 20, 2018
  • Author(s): C. Brown
  • Research Topic(s): Prepaid
Is the CFPB’s final Prepaid Rule really final? New research from Mercator Advisory Group discusses what prepaid program managers need to do now that the final version of the Prepaid Rule has been released by the CFPB.

U.S. Small Business Credit Card Forecast, 2017–2022: Healthy Market, Room for Improvement

  • Javelin Report
  • Date: March 14, 2018
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Small business credit cards have plenty of growth potential in the U.S.Mercator Advisory Group’s new research report sizes the U.S. small business credit card market, estimates shadow credit, and discusses best practices.

2018 Digital Lending Trends

While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard.  It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative provid...

Artificial Intelligence in Corporate Banking

The use cases are evident and growing.

2018 Fraud & Security Trends

With every new headline it becomes increasingly obvious that cybercrime is on the rise.  Motivated by the growing use of digital banking and payments, criminals are targeting institutions’ websites, consumers’ digital devices and non-bank accoun...

2018 Small Business Digital Banking & Payments Trends

Development in digital banking and payments services for small businesses has lagged significantly behind consumer and commercial banking, leaving many business owners and operators managing their finances and paying suppliers on platforms that ...

Faster Payments: U.S. Forecast, 2017–2021

  • Javelin Report
  • Date: February 13, 2018
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
New faster payments solutions being launched at a rapid pace in the U.S. Mercator Advisory Group releases a new research report on faster payments solutions in the U.S. with forecasts of market volumes by segment to 2021.

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