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
Behavioral Biometrics Will Restructure the Authentication Landscape in the Next 5–8 Years
Behavioral biometrics can persistently authenticate a user utilizing existing mobile sensors. This will finally eliminate passwords.
Bill Pay: Fast and Simple Wins
Why banks and credit unions should staunch the outflow of bill-pay transactions to biller-direct and other nonbank bill-pay sites Mercator Advisory Group releases new research on importance of the importance of bill-pay services for banks and c...
Mobile Cash Access 2017: Engaging Customers by Linking Digital Banking to Cash
Mobile cash access as a milestone in the migration to mobile banking New Mercator Advisory Group research explores how deploying mobile cash access benefits financial institutions and their customers
U.S. Consumer Credit Cards: Not Much to Complain About
Less than 2 basis points (0.018%) of U.S. credit cardholders filed complaints with regulators.
Emerging Technology in Corporate Payments? Faster Strides but Legacy Providers Remain the Leaders
Despite fast and furious pace of activity across corporate payments space, no game-changing breakthroughs evident yet.
Payment Services Directive 2: Worldwide Industry Implications
U.S. credit card issuers should consider the implications of the European Union’s Payment Services Directive 2 (PSD2) New Mercator Advisory Group research discusses the complexity of the European Union’s Payment Services Directive 2 and its glob...
Improving Receivables Management: Ignore at Your Own Peril
Don’t forget better receivables management when discussing faster paymentsNew research from Mercator Advisory Group examines the importance of advanced receivables management capabilities
Mobile Order and Pay Ahead: A New Sales Channel for Restaurants and Merchants
The convergence of mobile order ahead with the on-demand economy proves appetizing to customers.
Punching Above Their Weight: The Strategic Potential of Shared Delivery Channel
Integrating the best channels to achieve particular tasks will lead to “optichannel” banking and boost customer engagement.
A More Competitive Debit Network Battlefield
The global and EFT debit networks are pulling out all the stops to protect, defend, and expand their respective market share.