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

Third-Party Comparison Websites: A Tried-and-True Method for Digital Marketing

  • Javelin Report
  • Date: June 13, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Third-party comparison websites are a formidable avenue of credit card marketing and consumers’ identification of which card products to pursue with their applications. It’s a marketplace that has evolved to include several large contenders, and...

Commercial and Enterprise Payments Fraud: 2023 Edition

Fraud in commercial payments is a rising concern, with Javelin Strategy & Research data showing that businesses expect it to increase over the coming year. The reasons for pessimism are many—the ascendancy of digital payments, the complexity of ...

The 2023 Credit Card Data Book: Recession Is Possible, Risk Is Evident

Join us as Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, and Ben Danner, Senior Analyst, Credit and Commercial, walk through recently published research and provide an update on risk as we enter the seco...

How Alternative Identity Authentication Methods Will Change Payments

Digital wallets have long been a place to store payment cards, boarding passes, and tickets. More recently, tech providers like Apple have added mobile driver’s licenses on a limited basis. As more non-financial products and documents, such as d...

Cash Trends and Local Crime Drive Down ATM Volume

The humble ATM, once the center of the cash-disbursement universe, is facing a steady erosion in use. It has been battered by the pandemic—first, by an abrupt and permanent shift in consumer payment habits, and second, by a sharp rise in crimina...

The Post-COVID-19 Path for Prepaid Government Payments

The use of prepaid cards surged during the pandemic. Although the pandemic-related subsidies are disappearing, this Javelin Strategy & Research impact note demonstrates how new opportunities are emerging to continue to innovate and offer prepaid...

What’s Next for the PayFac Model

  • Javelin Report
  • Date: May 18, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
The model established by payment facilitators—known as PayFacs—enabled millions of businesses to accept a range of payments. Now, however, the model is maturing, prompting PayFacs to look at other avenues for growth and to deepen their merchant ...

The Global Regulatory Environment: Commercial Payments Still Rely on a Safe, Sound Traditional Banking System

The recent failures of Silicon Valley Bank and others have the global community once again calling into question the quality of bank regulations, the ability of government personnel to be stewards of those regulations, and the diligence of bank ...

Fleet Cards in 2023: An Industry in the Fast Lane

Fleet operators face a variety of challenges in fueling and maintaining their vehicles, and they have a range of payment options available to them, involving closed-loop and open-loop card products. New technology is coming fast to an industry t...

How Pay-by-Bank Could Shake Up Payments

As older payment methods recede, pay-by-bank is emerging as a contender at the point of sale. It allows consumers to continue using the funds in their checking accounts, as they do with ACH payments, but adds greater security with real-time auth...

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