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
InComm VanillaDirect: A Tool for Cash Payments
InComm has created a network for billers, account providers, and others who want to accept cash indirectly.
Taking Zelle for a Spin
Has the debut of person-to-person payment application supported by U.S. financial institutions been too rushed?
2017 Annual U.S. Debit Data Review
Digital payment options, consumer concern about fraud, debit network actions, and credit availability are shaking up the debit card market.Mercator Advisory Group releases new research analyzing U.S. debit market card and transaction trends and ...
Evolving Retail Concepts and Venues with Mobile Self-Checkout
Mobile self-checkout speeds shopping. New research from Mercator Advisory Group reviews the latest concepts and implementations of mobile self-checkout systems in the retail industry.
Mobile Usage in Commercial Payments May Be Just Around the Corner
Commercial mobile payments is coming soon.Mercator Advisory Group says that use of mobile payments for corporate employees will soon be on the same trajectory as consumer mobile projections.
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.