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
Technologies Influencing Generation Z Payments Adoption
This report examines how Gen Z approaches technology and the generation’s impact on banking and retail commerce. It provides insight into Gen Z consumers’ expectations for how companies should seek to serve them and meet their needs.
First Data Pilots a Token Service Provider Solution
Becoming a TSP is not a role many can execute successfully, but First Data Corporation may be one of the few that can pull it off.
Asian Mobile Payment Apps as a Way of Life: A Look at Alipay, Paytm, and WeChat Pay
Robust Asian mobile payment apps drive life-style commerce.
ATM as Branch: The Potential of ATM-Based Self-Service as a Substitute for Branches
Electronic channels compete to serve customers as banks rationalize their branches
Conversational Commerce Speaks to New Market Opportunities for Merchants
Conversational commerce has arrived. Chatbots and smart speaker systems are the new sales channels across merchant and other business categories. Market opportunities are many, but stakeholders must recognize technology and market challenges tha...
2018 Mobile P2P App Scorecard: Going Above and Beyond Basic P2P Functionality
P2P mobile payments have evolved and are now being used as a foundational block to build out a multi-product consumer relationship. As a result, basic P2P functionality is now table stakes and offering a compelling mobile app has never been more...
The Canadian Open-Loop Prepaid Market: 2017
The Canadian prepaid market is in the early stages of its life cycle. Mercator Advisory Group releases the third benchmark for Canadian open-loop prepaid cards.
Developing an Appropriate and Sustainable Business Plan for an API Portal
Don’t go broke building an API portal.New research from Mercator Advisory Group identifies the business cases for six models of increasing complexity and cost for deploying an API portal.
2018 Mobile P2P App Scorecard: Creating a Foundational Block of a Multiproduct Consumer Relationship
This scorecard report examines independent (not from a bank) mobile apps that can be downloaded from the Apple App Store and Google Play including Zelle, Venmo, Facebook Messenger, Popmoney, and more.
General Data Protection Regulation: The European Union’s Cross-Industry Approach to Data Protection
Mercator Advisory Group releases a new research report summarizing EU consumer data privacy rules that will affect U.S. issuers beginning May 25, 2018.