Payments Research

Payments

The payments industry is evolving rapidly as new technologies, changing consumer behaviors, regulatory developments, and emerging business models reshape how money moves. Javelin’s payments research team provides data-driven insights and advisory services across nine practice areas: Commercial & Enterprise, Credit, Digital Assets & Crypto, Debit, Emerging, Global, Merchant, Prepaid, and Tech & Infrastructure.

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

Card Networks Deploy Delegated Authentication: Everybody Wins!

Impact Note
Date: December 30, 2020
Author(s): Tim Sloane
Research Topic(s): Emerging

With Delegated Authentication, card networks enable merchants to control the entire cardholder experience. Issuers reduce costs while consumers can use biometrics for online shopping and passwords slowly fade away.

Commercial Prepaid North America: Open-Loop Market Review and Forecast, 2019-2024

Corporate spending to power commercial prepaid growth 2021-2024. A Mercator Advisory Group research report assesses continued growth of commercial prepaid in North America despite the pandemic.

Government Issued Prepaid Cards: Efficient Cash Access and Distribution

Impact Note
Date: December 23, 2020
Author(s): Brian Riley
Research Topic(s): Prepaid

Prepaid cards played a significant role in distributing CARES Act funds to 3.6 million Americans, but the payment form extends deep into many government benefit programs.

Regulatory Two-Step: Changes at CFPB Will Reflect the New Administration

Impact Note
Date: December 23, 2020
Author(s): Brian Riley
Research Topic(s): Credit

The Consumer Financial Protection Bureau (CFPB) achieved many wins on behalf of the American public in eight years, but Pres. Obama’s and Pres. Trump's political inclinations influenced enforcement strategies. Under President Biden, expect the C...

Subscription Economy Accelerates as Stay-At-Home Lifestyle Spurs Demand

Javelin Report
Date: December 23, 2020
Author(s): Raymond Pucci
Research Topic(s): Merchant

Stay-at-home lifestyle drives online subscriptions market surge. A Mercator Advisory Group research report assesses key subscriptions segments and future growth opportunities for payments providers and software developers.

Credit Card Account Forbearance: Not Forgiveness and Not Forever

Impact Note
Date: December 22, 2020
Author(s): Brian Riley
Research Topic(s): Credit

Payment holidays helped consumers get through unexpected credit risk during the pandemic, but before long it will be time to pay the piper. Suppressed delinquency volume makes risk appear under control, but the day of reckoning will soon be at h...

Debit Card Trends in the Asia-Pacific Region

Javelin Report
Date: December 21, 2020
Author(s): Sarah Grotta
Research Topic(s): Debit, Global

Mercator Advisory Group Releases New Research, Debit Card Trends in the Asia-Pacific Region Mercator Advisory Group releases a new research report that examines how financial inclusion, payment legacy, COVID-19, the regulatory environment and o...

Get Paid First: Delinquency and the Financially Distressed

Javelin Report
Date: December 16, 2020
Author(s): Rachel Huber, Krista Tedder
Research Topic(s): Tech & Infrastructure

This report will provide insight as to which consumers are struggling to pay, identify payment preferences, and outline progressive collection strategies that will make the consumer want to pay back the loan before paying other debt