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
Visa Repositions Itself for Open Banking with Plaid
Visa’s acquisition of Plaid stirs up questions that span the retail financial world — from banking and payments to investing and lending.
Digital Gift Cards: U.S. Market, 2019
New report recommends U.S. retailers use omnichannel approach, including digital delivery, to grow their gift card business. New research from Mercator Advisory Group’s Prepaid Advisory Service sizes the U.S. digital gift card space and forecast...
Behaviors of Mobile-Enabled Consumers Complicate the Meaning of “Going to the Store”
When card-not-present makes the customer-not-present, what is the function of a store?
Credit Card Profitability: Interest Spreads and Credit Quality Set the Course for 2020
Credit card profitability appears strong for top issuers in 2020New research report by Mercator Advisory Group indicates credit card Return on Assets metric is on the upswing and positive movement will continue in 2020.
Private Label Credit Cards Update: New Opportunities, New Competitors
Program innovations keep private label credit cards competitive in the consumer retail marketplace.New research report by Mercator Advisory Group reviews the U.S. private label credit card market and stakeholders as they adapt to changing retail...
The Emergence of API Platforms: Open Banking and Payments Drive New Business Models
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
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
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
Marketplace lenders and non-bank point-of-sale finance lenders are not likely to disrupt the course of credit card lending.