Payments Research

Payments

The payments industry is evolving rapidly as new technologies, changing consumer behaviors, regulatory developments, and emerging business models reshape how money moves. Javelin’s payments research team provides data-driven insights and advisory services across nine practice areas: Commercial & Enterprise, Credit, Digital Assets & Crypto, Debit, Emerging, Global, Merchant, Prepaid, and Tech & Infrastructure.

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

Virtual Financial Institutions Are Here. Hasn’t Anyone Noticed?

Impact Note
Date: May 30, 2017
Author(s): Joseph Walent
Research Topic(s): Emerging, Global

Call them internet banks, remote FIs, even “challenger banks”—somehow they have gone unrecognized in the U.S.

Fintechs Now Can Apply for National Bank Charters: Update—Has the Train Stalled?

Further definition is available, but potential roadblocks await

Mobile POS: More Than Just Payments for Merchants

Impact Note
Date: May 22, 2017
Author(s): Raymond Pucci
Research Topic(s): Credit, Emerging, Merchant

Mobile point-of-sale (mPOS) systems have created a new and fast-growing market to meet the business demands of merchants.

Making Payments Faster: The $20 Trillion Opportunity

Javelin Report
Date: May 11, 2017
Author(s): Michael Moeser
Research Topic(s): Tech & Infrastructure

This report first describes the differences between fast, faster, and real-time payments being proposed or currently available.

Commercial Cards Global Markets: Travel and Virtual Accounts Driving Growth

International markets for commercial cards remain a good businessNew research from Mercator Advisory Group examines the key commercial credit card markets outside of North America 

Faster is Better; When it Comes to Payments

Advisory Webinar: Client Login Required
Date: May, 2017
Author(s): Michael Moeser
Research Topic(s): Tech & Infrastructure

Join Javelin as we explore selected types of U.S. payments that are most likely to be converted to a form of faster payments. Including understanding:

Behavioral Biometrics Will Restructure the Authentication Landscape in the Next 5–8 Years

Impact Note
Date: May 2, 2017
Author(s): Tim Sloane
Research Topic(s): Emerging

Behavioral biometrics can persistently authenticate a user utilizing existing mobile sensors. This will finally eliminate passwords.

Bill Pay: Fast and Simple Wins

Javelin Report
Date: April 28, 2017
Author(s): Sarah Grotta
Research Topic(s): Debit

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

Javelin Report
Date: April 18, 2017
Author(s): Joseph Walent
Research Topic(s): Debit

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