What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
Square and Clover Delivering Merchant Services Beyond Payment Acceptance
Merchant services for small businesses evolve beyond mobile point-of-sale payment acceptance. Mercator Advisory Group research report identifies success factors that enable merchant acquirers to serve small businesses profitably.
U.S., Canada, and U.K. Prepaid Markets: Similarities and Differences
New research compares prepaid debit card markets in U.S., Canada, and the U.K. New research from Mercator Advisory Group compares the market size, taxonomy, and regulatory structure of three desired prepaid debit card markets.
Payments for Work in the U.S. Gig Economy
The gig economy encompasses a growing percentage of the U.S. population and shows no sign of retreating.
Commercial Credit Cards North America, 2017–2023: Growth and Change Continue
Commercial credit card spend in North American the mid-to-large corporate markets heads toward $1 trillion.New research report by Mercator Advisory Group reports that North American commercial credit card spending remains on a strong growth traj...
The Evolution of U.S. Payroll Cards in the 21st Century
Prepaid payroll cards are no longer just for the underbanked and unbanked. New research from Mercator Advisory Group shows that the market for prepaid payroll cards now attracts high-income consumers.
Distributed and Self-Sovereign Identity Solutions: Part 1, Technology Overview
Distributed ID and self-sovereign identity are years away but impact EMV 3D Secure deployment now. New research report from Mercator Advisory Group recommends that deployment of EMV 3D Secure prepare for the consolidation of authentication and ...
Credit Card Charge-off Collections Takes Brains not Brawn
Tightening credit management: third party collections augment bank card issuers’ strategies to control loss Mercator Advisory Group’s New research report explains the importance of third-party collection agents and proposed new regulatory updat...
Receivables Management Is Back on the Radar
Automating receivables management is a natural progression to digitizing corporate cash cycle processes.In new research, Mercator Advisory Group reports an increased recognition that receivables modernization is required as payables become digit...
Credit Cards in Latin America and Caribbean: Financial Inclusion with Risk and Opportunity
Infrastructure, fraud, and risk hinder credit card lending in Latin America and the CaribbeanNew research report by Mercator Advisory Group reviews the credit card market and competition from nonbank fintechs in Latin America and the Caribbean r...
Libra’s Long Reach Impact in Payments
The launch of The Libra Association came about with fanfare and a big misstep. Instead of focusing on the non-profit organization and what a new payment association, or scheme, could mean for the world of payments, the media and regulators are f...