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
Working Capital Solutions Update: Efficiencies Will Take Time
New Solutions Are Gaining Traction for Working Capital Optimization Mercator Advisory Group examines the state of corporate working capital solutions
Company Snapshot: Funding Circle
New peer-to-peer lender is disrupting traditional lending to small and medium enterprises (SMEs)
Cash as the Disrupter in the Changing World of Payments
Confusion surrounding EMV chip card technology among both consumers and merchants, coupled with confusion about how to use new mobile wallet technology, may lead U.S. consumers to revert to cash, the one payment form that works nearly everywhere...
The Six Million Dollar Customer: Using Technology to Build a Profitable Customer Base
Building Profitable Customers Is the Way of the Future Mercator Advisory Group research describes how financial services providers can build the kind of customer they want.
State of EMV Cardholders: Opportunities to Capitalize on the Halo Effect
This report assesses not just the degree of EMV card penetration among major financial institutions (FIs) in the U.S., but also the degree of cardholder awareness, education, and methods of education relating to EMV. The report also looks at the...
An Introduction to Peer-to-Peer Lending: A European Perspective
Peer-to-Peer Lending Platforms Revolutionizing Traditional Practices Mercator Advisory Group's research on the European Peer-to-Peer Lending Services
Understanding Bitcoin: Blockchain Applications Beyond Payments
Everything You Wanted to Know About Bitcoin’s Blockchain but Were Afraid to Ask This Mercator Advisory Group report takes a deep dive into the technology behind Bitcoin and analyzes its potential to disrupt services beyond just payments.
A Glimpse of Mobile Shopping at Point-of-Sale in 2019
By 2019, Javelin projects that mobile proximity payments will total $54 billion. To reach that revenue target, mobile proximity payments---payments made by consumers at the physical point of sale using a mobile device—will grow at a tremendous ...
Predictions for the U.S. Migration to EMV Debit Cards
EMV Debit Cards Are Finally Getting into the Hands of U.S. ConsumersIssuers’ deployment timing and tactics vary, so U.S. market saturation of EMV debit chip cards will take years.
Turning Digital Banking into a Financial Journey Starts with the First Paycheck
This report details how to build digital banking on a foundation of time-tested personal finance principles and integrate tools, insight, and advice that will enable customers to develop healthy, lifelong financial habits with every login, in th...