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
U.S. Credit Card Debt: Circle the Wagons and Fortify
Three indicators signal risk ahead for the U.S. credit card industry, new research warns New Mercator Advisory Group research discusses coming wave of credit card delinquency due to aggressive account acquisitions
Open-Loop Prepaid Card Management: Strategies to Take Advantage of the Industry’s Inflection Point
As the industry matures, prepaid card issuers need to be certain their business is properly positioned.
Retail Gift Card Trends in the United States: 2016 in Review
Closed-loop gift card loads grew in 2016 as shoppers returned to cards. Mercator Advisory Group finds that U.S. retail gift card loads grew 6% in 2016.
Justifying Real-Time Payments in the United States
As the U.S. real-time payments solutions are launched, participants in the value chain are looking to define their roles.
Virtual Financial Institutions Are Here. Hasn’t Anyone Noticed?
Call them internet banks, remote FIs, even “challenger banks”—somehow they have gone unrecognized in the U.S.
Fintechs Now Can Apply for National Bank Charters: Update—Has the Train Stalled?
Further definition is available, but potential roadblocks await
Mobile POS: More Than Just Payments for Merchants
Mobile point-of-sale (mPOS) systems have created a new and fast-growing market to meet the business demands of merchants.
Making Payments Faster: The $20 Trillion Opportunity
This report first describes the differences between fast, faster, and real-time payments being proposed or currently available.
Commercial Cards Global Markets: Travel and Virtual Accounts Driving Growth
International markets for commercial cards remain a good businessNew research from Mercator Advisory Group examines the key commercial credit card markets outside of North America
Faster is Better; When it Comes to Payments
Join Javelin as we explore selected types of U.S. payments that are most likely to be converted to a form of faster payments. Including understanding: