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
Reports
The Intersection of Digital and Debit
Ensuring the inclusion of debit cards in digital payments is key to maximizing future debit card transaction growth.
Five Reward Events That Will Alter the Credit Card Value Proposition
Issuers must adapt to an evolving market and ensure that their products address market change.
EMV Technology Update: EMV Classic, Faster EMV, and Now QR Code EMV
EMV QR codes could solve the e-commerce fraud problem if merchant concerns can be overcome.Mercator Advisory Group releases a new research report on the latest developments in point-of-sale technologies, including EMV chip cards, NFC, and QR Cod...
Payments Hubs: Renaissance in 2018
Financial services industry change is driving renewed interest in payments hub solutions.
Winning the Underbanked: The Long-Term Opportunity in Short-Term Lending
Payday loans play a vital role in the lives of many consumers who don’t have the cash reserves to cover an emergency expense. They are especially popular with underbanked consumers. However, they are expensive with APRs ranging from 300-750% and...
Innovative Payment Technology Prospects: FinovateSpring 2018
Analysts from Javelin’s Payments practice recently attended FinovateSpring 2018. Of the firms presenting, Javelin identified four innovative companies, highlighted in the report in alphabetical order, that we felt our clients should be aware of ...
Private Label Credit Cards: A Market, Not Just a Niche
Private label credit cards: 300 million cards and counting Mercator Advisory Group releases a new research report defining the co-brand and private label credit card markets in the U.S.
Goldman Sachs Credit Cards: A Golden Opportunity
Credit card market entry is just one piece of the strategy as the $974 billion asset investment bank enters U.S. retail banking. Goldman Sachs is positioned for a 2019 entry into the credit card market.
Payment Account Reference: Finding the Cardholder Account in a Sea of Tokens
Now more than ever, card account numbers are tokenized to secure payment transactions. With some cards receiving multiple tokens, sorting out which token belongs to which account is getting more difficult, which is making loyalty programs and cu...
Technologies Influencing Generation Z Payments Adoption
This report examines how Gen Z approaches technology and the generation’s impact on banking and retail commerce. It provides insight into Gen Z consumers’ expectations for how companies should seek to serve them and meet their needs.