Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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 Expanding Role of Telcos in Payments

Impact Note
Date: February 23, 2015
Author(s): Tristan Hugo-Webb
Research Topic(s): Global

Global telecommuniations network operators are increasingly providing a range of payment services

The State of Consumer Credit Card Rewards, 2015

Javelin Report
Date: February 23, 2015
Author(s): Ken Paterson
Research Topic(s): Credit

Competition Among Credit Card Reward Programs Ramps Up Mercator Advisory Group releases research on the state of credit card rewards

Balancing Innovation and Regulation With Big Data

Advisory Webinar: Client Login Required
Date: February 3, 2015
Author(s): Nick Holland
Research Topic(s): Mobile & Online Banking, Tech & Infrastructure

Our increasingly digital culture of communicating, interacting, and consuming through every digital platform has laid the foundation for big data and analytics. Financial institutions have an opportunity to generate deep and focused insights abo...

U.S. Fleet Card Market: The Need for Competitive Differentiation

Javelin Report
Date: February 3, 2015
Author(s): Richard Hall
Research Topic(s): Commercial & Enterprise

Seeking Market Share Through Differentiation in a Highly Penetrated and Competitive Market Mercator Advisory Group examines the state of the U.S. fleet card market

The Obstacles Facing Android to Enable a Payments Infrastructure That Rivals Apple Pay

Javelin Report
Date: January 28, 2015
Author(s): Tim Sloane
Research Topic(s): Emerging

Mercator Advisory Group Identifies Obstacles to Payments on AndroidApple set the bar for mobile payments, and Android participants will face technical and business challenges as they attempt to catch up.

Social Media and Mobile Messaging Providers’ Payment Apps: More Than Just P2P

Javelin Report
Date: January 27, 2015
Author(s): Tristan Hugo-Webb
Research Topic(s): Global

Growing Involvement of Social Media and Mobile Messaging Players in Payments Mercator Advisory Group releases new research on alternative payment service providers entering the payments market

M-POS: Expanding the Payments Value Chain into New Territories

Javelin Report
Date: January 22, 2015
Author(s): Tim Sloane
Research Topic(s): Emerging

Mercator Advisory Group Identifies the New Point-of-Sale Design Point Based on Mobile OSMercator Advisory Group research on POS architecture of the future addresses network requirements, consumer technology, and cloud-based architectures