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
Same Day ACH: Debit’s Debut
Same Day ACH credits were introduced last year and this year, Same Day ACH debits take center stage.New Mercator Advisory Group research analyzes initial performance of same-day ACH credits and the impact that same-day debits will have on the pa...
U.S. Commercial Cards: The Drive Toward Mainstream Payables
Payables is the name of the game in U.S. commercial cards.Mercator Advisory Group reports healthy growth for commercial cards in the U.S. market with opportunity to capture much higher B2B payments share in the next five years.
Voice-Activated Conversational Interfaces: A Viable New Banking Channel
Customers soon may prefer to talk to banks’ conversational platforms for inquiries and transactions.
Faithful Companion: Prepaid Supports Credit and Debit Cards
Prepaid cards have value as account supplements, not just replacements. Open-loop prepaid cards are used primarily as account replacements by people without bank accounts or as gift cards by those who do have bank accounts. Recent research indi...
The Evolution of Debit Cards
Debit card issuers are having to fend off increasing competition from new and also traditional payment forms.
Complex Business Relationships Drive the Commercial Cards Industry
Partnership activity across commercial cards is accelerating.Mercator Advisory Group reports that the commercial cards industry is driven by multiple underlying service relationships and this reach is broadening through payables and technology.
Operational Excellence: The Best Debit Marketing Strategy
Improving dispute handling for debit cardholders and minimizing false positives can increase customer retention and usage of debit cards.Mercator Advisory Group releases new research on operational tactics for issuers to make debit cards more va...
C-Stores a Rising Force in Merchant Loyalty
National and regional C-stores are prime venues for merchant loyalty and have inherent advantages most retailers can’t match.
The Credit Union Guide to Opportunities in IoT, Biometrics, and E-commerce
This whitepaper, sponsored by PSCU and independently produced by Javelin Strategy & Research discusses how the Internet of Things (IoT), connected payments from IoT devices, and new banking technologies, such as biometrics, are impacting t...
Reinventing Success in Credit Card Lending
Join Javelin as we explore the business model of card issuers, specifically the difference between the prime/super-prime and subprime businesses, and how they are coming under an increasing level of pressure.