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
2021 Annual U.S. Debit Card Market Data Review: Unprecedented Double-Digit Growth
Mercator Advisory Group releases new research tracking the strong debit card volume growth and provides a near-term forecast for the U.S. market.
Commercial Credit Cards: International Markets Review and Forecast, 2020-2025; COVID Bounce Back Not Expected Until 2023
A new Mercator Advisory Group research report reviews developments and spending estimates for commercial credit cards in markets outside of North America, where business travel downturns will delay full spending recovery until 2023-24.
Lifestyle Commerce Drives Expanding Mobile Sales Channel For Merchants
A new Mercator Advisory Group research report assesses how mobile shopping amplifies the customer experience.
A Lesson for the U.S: How EU Open Banking APIs Have Stabilized to Support Alternative Networks
Mercator Advisory Group evaluates the difficulties of standing up production level API platforms, identifies key workarounds that were needed to establish alternative payment network solutions, and provides six snapshots of these alternative pay...
Will The Fed Clarify Regulation II to Enforce Utilization of Two Unaffiliated Networks? Mercator Sees it as Likely
On May 7, 2021 the Federal Reserve Board of Governors issued a Notice of Proposed Rulemaking to amend Regulation II which, if enacted, will require all financial institutions to ensure that card-not-present transactions can be successfully route...
Modernizing Regulatory Oversight of New Technology – Fast Enough to Manage Risks?
Regulators traditionally manage the guardrails of payments, but recent trends move them up to the frontline to safeguard new payment programs that foster innovation, help spawn local investments, and speed up the time it takes to bring financial...
Corporate Banking: Modernize or Risk Disenfranchisement
To satisfy shifting customer expectations and drive revenue in a rapidly changing industry, corporate banks need to modernize by offering new services and embracing the latest technologies. Their success or failure depends on it.
Commuters Win with the Evolution in Transit Payments
Paying for transportation runs the gamut from cash and checks to modern, contactless mobile apps that let riders pre-plan and pre-pay for trips. Financial institutions have an opportunity to support the millions of riders in the U.S. that use ma...
Getting a Piece of the Buy Now, Pay Later Pie
Buy now, pay later financing is a burgeoning alternative payment method at the digital and physical point of sale. As availability and adoption increase in the United States and abroad, banks and credit unions must ensure they play a role. This ...
Online Grocery: Grocers Meet the Challenge of Digital Demand, but Can They Do It at a Reasonable Cost?
A Mercator Advisory Group research report assesses major online grocery growth and explores future opportunities for merchants and payments providers.