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
Gamification in Financial Institutions: Engaging and Educating Customers
Engaging customers more frequently by using techniques found in mobile and online games will help banks, credit unions, and other financial institutions strengthen their relationships and offset the decline in engagement due to declining branch ...
U.S. Commercial Prepaid Cards: 2015–2020 Forecast
Growth forecast for U.S. commercial prepaid cards in 2018 and beyondMercator Advisory Group reports that the commercial portion of overall spend in the U.S. prepaid card market has e growth potential in private sector categories, particularly as...
Corporate Banking Now Peeking Through the Blockchain Window
The steep early learning curve is past, and use cases for real products and services are appearing on the market.
Understanding Fee-Based Premium Reward Cardholders
In the early ages of the credit card industry, it was common for cardholders to pay a nominal annual fee as part of owning a credit card, similar to a membership fee. The annual fee was typically low and generally applied across all types of car...
2018 Outlook: Commercial and Enterprise Payments
Modernizing and collaborating remain key
2018 Outlook: Credit
2018 will be a year for credit card issuers to tighten up lending and build on existing customer relationships as account delinquency begins to rise.
2018 Outlook: Customer Interaction
Stop, collaborate, and listen! Banking is back in a brand new edition.
2018 Outlook: Emerging Technologies
Continue investing in technology as outlined in 2017 with minor refinements.
2018 Outlook: Merchant Services
Over 7,500 brick-and-mortar stores in the United States have closed in 2017. Some malls have shut down entirely. This surpasses the previous high of just over 6,000 store closings, which occurred in 2008 during the Great Recession. Many merchant...
2018 Outlook: Prepaid
Regulation will be one of many concerns in the coming year.