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
The Disruptive Potential of Marketplace Lending in the U.S. Consumer Credit Market
Marketplace lending spurs innovations in consumer credit Mercator Advisory Group research finds that success of alternative lending models is attracting attention, forcing banks to respond
Capitalizing on EMV Halo Effect with Cardholders’ Education and Awareness
The milestone of EMV liability shift in October is just around the corner and there remains a significant gulf between cardholders with EMV cards and perhaps more significantly, cardholders that KNOW they have EMV cards. How are banks and credit...
Mobile Imaging: Creating an End-to-End Mobile Banking Experience
It’s time for FIs to consider connecting the dots with an end-to-end mobile banking experience: using imaging for authentication and enrollment, mobile deposit, mobile balance transfers for switching, mobile photo bill payment, mobile funding, p...
Why PayPal Bought Xoom: Emerging Markets Opportunity Too Good to Ignore
A mutually beneficial acquisition: PayPal gains foothold in emerging markets and Xoom gains cheaper ways to acquire customers Mercator Advisory Group’s Emerging Technologies research note offers strategic insights from PayPal’s recently announc...
Preparing for the Next Generation of Purchasing Card “Optimization”
Operationalizing purchasing card strategy is key.
Tax Refunds and Prepaid Cards: Any Room Left in the Market?
Tax Refunds Offer a Chance to Grow Deposits on Prepaid Cards, but the Market Is Competitive Research from Mercator Advisory Group explores tax refund deposit opportunity for prepaid card programs
Enhancing Digital Banking by Integrating Personal Finance Principles
Eight years after the iPhone launched the “there’s an app for that” movement, digital banking still applies a one-size-fits-all collection of features for self-guided consumers.
Mobile Online Retail Payments Forecast 2015
This report provides a rigorous market sizing of mobile online retail payments and also includes JAVELIN’s first forecast for mobile online retail payments through 2019. This overview and forecast of mobile online retail payments also gives stak...
Retail Gift Card Trends in the United States: 2014 in Review
Closed-Loop Gift Cards Were Back in 2014 as the Market Began to Grow U.S. retail gift card loads grew 9% in 2014, despite a slow holiday season
Paperless Banking and Billing 2015: Closing the Digital Commitment Gap
This report examines the state of paperless adoption today, estimates the size of the paper statement delivery market for FIs and billers, explores strategies to target remaining holdouts, and delves into the return on investment (ROI) opportuni...