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


ATM as Branch: The Potential of ATM-Based Self-Service as a Substitute for Branches

  • Impact Note
  • Date: May 14, 2018
  • Author(s): Ken Paterson
  • Research Topic(s): Merchant
Electronic channels compete to serve customers as banks rationalize their branches

Conversational Commerce Speaks to New Market Opportunities for Merchants

  • Impact Note
  • Date: May 11, 2018
  • Author(s): Raymond Pucci
  • Research Topic(s): Emerging, Merchant
Conversational commerce has arrived. Chatbots and smart speaker systems are the new sales channels across merchant and other business categories. Market opportunities are many, but stakeholders must recognize technology and market challenges tha...

2018 Mobile P2P App Scorecard: Going Above and Beyond Basic P2P Functionality

  • Advisory Webinar: Client Login Required
  • Date: May, 2018
  • Author(s): Michael Moeser, Rachel Huber
  • Research Topic(s): Tech & Infrastructure
P2P mobile payments have evolved and are now being used as a foundational block to build out a multi-product consumer relationship. As a result, basic P2P functionality is now table stakes and offering a compelling mobile app has never been more...

The Canadian Open-Loop Prepaid Market: 2017

  • Javelin Report
  • Date: May 4, 2018
  • Author(s): C. Brown
  • Research Topic(s): Global, Prepaid
The Canadian prepaid market is in the early stages of its life cycle. Mercator Advisory Group releases the third benchmark for Canadian open-loop prepaid cards.

Developing an Appropriate and Sustainable Business Plan for an API Portal

  • Javelin Report
  • Date: April 26, 2018
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Don’t go broke building an API portal.New research from Mercator Advisory Group identifies the business cases for six models of increasing complexity and cost for deploying an API portal.

2018 Mobile P2P App Scorecard: Creating a Foundational Block of a Multiproduct Consumer Relationship

  • Javelin Report
  • Date: April 25, 2018
  • Author(s): Michael Moeser, Rachel Huber
  • Research Topic(s): Tech & Infrastructure
This scorecard report examines independent (not from a bank) mobile apps that can be downloaded from the Apple App Store and Google Play including Zelle, Venmo, Facebook Messenger, Popmoney, and more.

General Data Protection Regulation: The European Union’s Cross-Industry Approach to Data Protection

Mercator Advisory Group releases a new research report summarizing EU consumer data privacy rules that will affect U.S. issuers beginning May 25, 2018.

International Commercial Card Markets Outlook: 2016–2021

Mercator Advisory Group reports that commercial card spending by mid-to-large corporations in major markets outside of the U.S. continues to grow at healthy levels.

BIN Sponsorship of Prepaid Card Programs: Benefits for Financial Institutions

  • Javelin Report
  • Date: April 9, 2018
  • Author(s): C. Brown
  • Research Topic(s): Prepaid
Banks and credit unions can benefit from BIN sponsorship of prepaid card programs New research from Mercator Advisory Group discusses BIN sponsorship for the prepaid industry, what is a BIN sponsor, should you be one, or do you need one.

API Usage Expands in Corporate Banking and Payments

Corporate banking use cases for open APIs are on the rise.  Open application programming interfaces, or APIs, have become widespread across commercial and industrial organizations, and financial services is no exception. The larger players are n...

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