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
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:
Behavioral Biometrics Will Restructure the Authentication Landscape in the Next 5–8 Years
Behavioral biometrics can persistently authenticate a user utilizing existing mobile sensors. This will finally eliminate passwords.
Bill Pay: Fast and Simple Wins
Why banks and credit unions should staunch the outflow of bill-pay transactions to biller-direct and other nonbank bill-pay sites Mercator Advisory Group releases new research on importance of the importance of bill-pay services for banks and c...
Mobile Cash Access 2017: Engaging Customers by Linking Digital Banking to Cash
Mobile cash access as a milestone in the migration to mobile banking New Mercator Advisory Group research explores how deploying mobile cash access benefits financial institutions and their customers
U.S. Consumer Credit Cards: Not Much to Complain About
Less than 2 basis points (0.018%) of U.S. credit cardholders filed complaints with regulators.
Emerging Technology in Corporate Payments? Faster Strides but Legacy Providers Remain the Leaders
Despite fast and furious pace of activity across corporate payments space, no game-changing breakthroughs evident yet.