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

The Emergence of API Platforms: Open Banking and Payments Drive New Business Models

  • Javelin Report
  • Date: December 31, 2019
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging, Global
Report contrasts slow adoption of open banking with surge in API platforms operating in the cloud. A new research report from Mercator Advisory Group identifies issues delaying E.U. open banking and contrasts it to the surge in API cloud-based ...

U.S. Fleet Card Market Review and Forecast, 2018–2023

The U.S. fleet card market has shown resilience as participants adapt to current and looming challenges.Mercator Advisory Group reports continued growth in the fleet card market, but adjustments are underway.

Merchant Chargebacks Are on the Rise Due to Friendly Fraud

  • Javelin Report
  • Date: December 23, 2019
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
Friendly Fraud Is Driving Increased Merchant Chargebacks. New Mercator Advisory Group research report discusses the changing dynamics of merchant chargebacks.

Fintech and Debit Cards: Battling for Consumers’ Attention

  • Javelin Report
  • Date: December 16, 2019
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Skirmish Between Banks and Fintechs over Financial Planning Apps.New Mercator Advisory Group research report explores consumers’ use of financial planning apps from fintech companies and its impact on financial institutions.

Credit Card Lenders: Hone Strategies and Do Not Let Fintechs Scare You

  • Impact Note
  • Date: December 13, 2019
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Marketplace lenders and non-bank point-of-sale finance lenders are not likely to disrupt the course of credit card lending.

Credit Card Collections: The Foundation for Safe and Sound Card Portfolio Management

  • Javelin Report
  • Date: December 11, 2019
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Credit Card Collections: Getting a Jump on the Next Recession A new research report from Mercator Advisory Group focuses on strategies to improve credit card collection at each stage of credit card delinquency.

Secured Cards: Five Reasons Credit Card Issuers Should Serve This Market

  • Impact Note
  • Date: December 9, 2019
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Mainstream programs add deposits and create a feeder group for general-purpose credit cards.

QR Code Developments May Disrupt the Disrupters

Better authentication controls, centralized clearance, and network moves may change this fast-growing payment acceptance technology.

2020 Payments Trends

  • Javelin Report
  • Date: December 3, 2019
  • Author(s): Krista Tedder, Rachel Huber
  • Research Topic(s): Tech & Infrastructure
Payments professionals face a world that has a plethora of choices but a lack of guidance from regulators, payment schemes, and technology providers on how to move forward. The technical aspects of payments are designed, but the consumer experie...

2019 ATM Benchmark Market Report

  • Javelin Report
  • Date: November 29, 2019
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
The Enduring Use, for Now, of Cash and ATMsMercator Advisory Group releases new research reporting exploring market trends and consumer preferences regarding ATMs in this U.S. benchmark study.

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