Payments Research

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


The Corporate Middle Market Seeks Digital Transformation

During the past ten years there have been rapid advancements in various types of technology, including telecommunications, robotics, artificial intelligence, and just about anything to do with electronics. Certain industries have had to adapt fa...

Canadian Prepaid Market: Rapid Growth and Developing Opportunities

  • Javelin Report
  • Date: April 21, 2022
  • Author(s): Laura Handly
  • Research Topic(s): Global, Prepaid
New Research from Mercator Advisory Group examines drivers of growth and emerging opportunities within the Canadian prepaid market.

Monetizing Real-Time Payments

  • Impact Note
  • Date: April 15, 2022
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
U.S. payments industry participants are largely in agreement that faster and real-time payments are part of the industry’s evolution. While integration projects to prepare for these new payment types are moving forward with only the slightest co...

How Payments Can Drive Better Loyalty and Rewards Programs

  • Javelin Report
  • Date: April 14, 2022
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
New research from Mercator Advisory Group examines the role of payment data and explores current trends in loyalty programs.

M&A Transactions in 2021 & 2022: The 40+ Deals That Are Changing the Payments Industry

The “megadeals” of 2019 got the attention in the payments industry, but it’s a host of other transactions in 2021 and early 2022—more than 40 in total—that have the potential to push industry giants into new segments and bolster technological ca...

Consumer Payment Choice: Understanding Debit Card User Preferences

  • Javelin Report
  • Date: April 1, 2022
  • Author(s): Laura Handly
  • Research Topic(s): Debit
New report from Mercator Advisory Group provides an in-depth analysis of consumer preferences for debit transactions across demographics and use cases.

Card Networks Are About to Raise Merchant Fees But Not Without Consequences

Mastercard and Visa are set to raise merchant fees on card transactions next month, but businesses, already struggling with tight margins as the pandemic continues, are in no mood to accept the fee increases without a fight. Learn why Mastercard...

The Cost of Fraud: B2B Payments Experience 10% Increase During the Pandemic

New research from Mercator Advisory Group explores increasingly sophisticated trends in commercial payments fraud and provides fraud prevention strategies.

Quantum Changes Everything: Protect Your Data Now

  • Javelin Report
  • Date: March 25, 2022
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Adversaries intercept and store encrypted data today for decryption in 5 to 10 years using quantum computers. To gain first-mover advantage, banks need the people and skills that can solve business problems using quantum computing.

Insights from Recent Mercator Study: Commercial Card Users Underscore the Importance of Card Spend Management Tools

In the commercial credit card space, the use cases for spend management software have traditionally been related to travel and expense management, with corporate card programs as the product set to which the solutions integrate. Commercial card ...

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