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 Slow Crawl to Real-Time Payments

The United States lags other countries in enabling real-time payments to be made at a cost that encourages development of mass-market initiatives. This report investigates the demand for such services from consumers and their willingness to pay ...

2015 Gang of Five: Apple Pay vs. Android Pay vs. Samsung Pay vs. Paypal “pay”?

This annual review examines Apple Pay vs. Google Wallet on Android Pay vs. PayPal vs. Samsung Pay and other mobile wallet capabilities and offerings and distinguishes winners from losers. The report also analyzes Facebook’s newly announced payme...

Global Payment Card Fraud Trends and Statistics

  • Javelin Report
  • Date: March 25, 2015
  • Author(s): Tristan Hugo-Webb
  • Research Topic(s): Global
Card-Not-Present Fraud Leads Global Rebound in Payment Card Fraud Mercator Advisory Group releases research on global trends in payment card fraud

Trust, Technology, and the U.S. Consumer

During the current technology cycle, consumer trust in the Gang of Five — Amazon, Apple, Google, PayPal, and Facebook — continues to rise- while trust in banks and payment networks is decreasing. This report explains how financial institutions c...

Company Snapshot: Pivo

  • Impact Note
  • Date: March 12, 2015
  • Author(s): Tristan Hugo-Webb
  • Research Topic(s): Global
A Finnish mobile wallet provider is seeking to transform the payment, loyalty rewards, and personal financial management (PFM) experience as consumers increasingly rely on their mobile devices for banking and payments.

Top Trends for Digital Financial Services in 2015

Retail banking and payments have  seen consolidation in the industry as financial institutions are growing their digital offerings to meet customers’ needs and improve their profitability.  Javelin’s practice leaders have identified fi...

Murphy’s Law and the CFPB: The Proposed Prepaid Rule Won’t Protect Anyone

  • Javelin Report
  • Date: March 5, 2015
  • Author(s): Ben Jackson
  • Research Topic(s): Prepaid
There’s still time to comment to Consumer Financial Protection Bureau on Proposed Prepaid Rule Research from Mercator Advisory Group discusses possible pitfalls in CFBP’s proposed new rule for prepaid cards

Faster Payments: Developments and Challenges for U.S. Commercial Payments

Momentum building for U.S. faster payments, but which stakeholders will have biggest impact? Mercator Advisory Group examines current state of U.S. faster payment initiatives and the challenges ahead

Company Snapshot: Buzz Points

  • Impact Note
  • Date: February 26, 2015
  • Author(s): Ronald Mazursky
  • Research Topic(s): Debit
Combining a local merchant-funded discount network with a reward points program for debit cards

The State of Consumer Credit Card Rewards 2015

  • Javelin Report
  • Date: February 25, 2015
  • Author(s): Ken Paterson
  • Research Topic(s): Credit
Competition Among Credit Card Reward Programs Ramps Up Mercator Advisory Group releases new research on the state of credit card rewards

Talk to our payments experts