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
Biometrics Use Is on the Rise for Payments: Banks and Merchants, Get Ready to Adopt Faces and Fingertips for Authentication
Biometrics steadily replaces legacy authentication methods. A new report from Mercator Advisory Group explores the leading developments in the field of physiological and behavioral biometrics, including successful implementation cases by major ...
CECL: Proven in the Field and Ready for Prime Time
Bankcard accounting requirements for recognizing credit losses at top banks became subject to more conservative rules following the Great Recession and Dodd-Frank. The process, which took effect in 4Q 2019, helped the industry prepare for unanti...
Request for Pay: Opportunities Await, but It’s a Long Road to Mainstream Adoption
The U.S. payments market is beginning to see the launch of Request-for-Pay (RfP) products using the messaging system developed by The Clearing House and tied to the RTP network. RfP solutions currently being deployed have limited audiences, but ...
How to Build a Production-Ready Banking API Portal and Avoid EU Mistakes
Mercator Advisory Group’s latest report ranks 12 API management platforms based on three critical operational areas that have caused delays in the rollout of the PSD2 mandated APIs in Europe. For those planning an API portal deployment, this rep...
Commercial Credit Cards: North America Market Review and Forecast, 2019-2025
A new Mercator Advisory Group research report reviews developments in the commercial credit card industry during the past 18 months and looks at how the future is shaping up.
Internet of Things (IoT) Technology and Consumer Devices: Machine Triggered Payments Continue Growth in U.S. Households
IoT transactions see continued growth in U.S. households. The sustained growth of smart home devices in the U.S. has created a market for machine triggered, IoT purchases of household goods. New research by Mercator Advisory Group explores the ...
18th Annual U.S. Closed-Loop Prepaid Cards Market Forecasts, 2020-2025
The report titled 18th Annual U.S. Closed-Loop Prepaid Cards Market Forecasts, 2020–2025 provides an analysis of the growth and development of the prepaid cards industry through 2025. The report examines loads, growth potential, and ma...
In Search of a Profit: 2020 Credit Card Return on Assets Slipped During COVID but Remain Strong
With revenue streams coming from fees, interchange, and interest, credit cards generate returns significantly higher than retail banking when measured by return on assets (ROA). In 2020, credit card issuers returned a 2.40% ROA, significantly be...
Acquirer Market Spotlight: Sports and E-sports Betting
Rapid growth in sports betting is gaining attention not only from investors and regulators but in the world of banking and fintech too. Even though the regulatory environment is friendlier, there are still risks in servicing this nascent industr...
International Prepaid Market Developments and Growth Trends
New Mercator Advisory Group report explores opportunities and trajectories within the global prepaid market as e-commerce and demand for alternatives to cash rises.