Payments Research

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


Social Commerce and Its Impact on Payments

  • Javelin Report
  • Date: August 1, 2022
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Social media started as a place for people to connect, while search engines were the way consumers shopped for what they wanted. With social commerce, social media sites are becoming more like shopping malls where consumers can both socialize an...

Inflation: Keep an Eye on the Consumer Budget

In the United States, the Federal Reserve Bank measures the inflation rate with the consumer price index (CPI), compiled by the Bureau of Labor Statistics. The CPI tracks 200 spending categories, classified into eight groups: food and beverages,...

Corporate Banking & Payments Finds Practical Uses for Crypto

Cryptocurrency and blockchain technology have grown in popularity since the inception of Bitcoin in 2009. Starting as a niche commodity among investors, cryptocurrency and its accompanying blockchain technology have developed into various forms ...

Procure-to-Pay Digital Convergence Moving Forward

This research report from Mercator Advisory Group reviews the trends in the procure-to-pay spectrum of systems and processes.

Credit Card Issuers: Drive Down Costs Before Loan Losses Rise

In this report, we review the current condition of U.S. credit cards, identify income and expense categories, and suggest where issuers may find opportunities by tuning revenue lines or decreasing expense lines.

Crypto Retirement Solutions for Self-Directed Investors

Cryptocurrency investment has emerged as a tax-deferred retirement solution, which solves a problem for crypto investors also looking at a long-term investment horizon that expects capital gains. As younger investors—those between the ages of 21...

Differing Models Continue to Define P2P Payments

The funding mechanism consumers use for their person-to-person (P2P) transactions will determine the financial relationship P2P platforms can build with their users. P2P operators must figure out how to make the unprofitable yet popular industry...

U.S. 2022 Person-to-Person (P2P) Payments Market Update

A new research report from Mercator Advisory Group looks at the current state of person-to-person (P2P) payments and the shifts that are occurring.

Smart Contracts: New Contract Creation Tools Required to Ensure Contract Transparency and Trust

  • Impact Note
  • Date: June 24, 2022
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Most decentralized finance (DeFi) discussions focus on the importance of the underlying immutable distributed ledger and the cryptocurrency used as the medium of value exchange. But perhaps the more important component of DeFi solutions is the a...

Overdraft Fees at an Inflection Point, Not a Cliff

  • Javelin Report
  • Date: June 23, 2022
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Mercator Advisory Group releases new research that looks at the complex state of overdraft fees and the changes that are occurring.

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