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
Regulatory Mandate or Not, Corporate Open Banking is Here
Technology advances and market demand are creating an open banking environment that supersedes regulations.
U.S. Vendor Comparison of Consumer Bill Pay Providers: Laying the Foundation for Future Intelligent Use of Payment Data
Fintechs take center stage to improve the bill pay experience for all. Mercator Advisory Group releases new research that reviews fintech firms providing modern bill pay services to financial institutions and considers companies offering direct...
The Influence of BNPL on Debit Cards and Account-to-Account Transfers
Buy Now, Pay Later (BNPL) payment plans are an extension of credit to consumers provided at the point of sale, often at no cost to the consumer. The option for free loans has fed the rapid adoption of BNPL, influencing the product plans for cred...
Payments Hub Market and Vendor Solutions Overview: Technology Advances Offer a New Perspective
A new Mercator Advisory Group research report reviews developments in the payments hub space as technology advances, new payments methods begin to proliferate, and cloud delivery methods expand.
Buy Now, Pay Later: Sales or Cost Driver?
A confluence of factors in our COVID economy have come together to make Buy Now, Pay Later (BNPL) installment options attractive for consumers. Merchants, of course, are drawn to anything that resonates with shoppers and has the potential t...
2021 Mid-Year Credit Card Health Checkup: Strong Performance but Watch Headwinds
At the mid-year point of 2021, credit card profits are steady, despite decreases in revolving debt, thanks to recovered loan loss reserves held back from the risk associated with COVID-19. With record-low delinquency rates, and spending on the r...
Co-branded Credit Cards: Reinventing Themselves Post Covid Losses
Network cards less affected by BNPL than private label cards, according to new report by Mercator Advisory Group.
Square’s Deal for Afterpay Accelerates the Threat of BNPL
Square’s move to acquire Afterpay for $29 billion dramatically alters the futures of the two companies as well as the BNPL industry and its competitors. Square is gaining a payment option that bolsters its seller and Cash App businesses, while A...
Open Banking Goes Worldwide: U.S. Inroads are Keeping Pace with Global Efforts
New report from Mercator Advisory Group evaluates the worldwide expansion of open banking initiatives, reviewing approaches taken by each country including the API standards they embrace. Some countries have focused on payments, others on data e...
Necessity as the Mother of Invention: Prepaid Cards Find New Use Cases in the COVID-19 Pandemic
The COVID-19 pandemic radically changed the way that people shopped and paid for purchases. Under these new circumstances, the U.S. prepaid market experienced significant innovation and developed new use cases for its products. As vaccines have ...