Procure-to-Pay Automation: Corporate Payment Solutions Explained

Procure-to-Pay Automation: Corporate Payment Solutions Explained

The potential cost savings of business process automation is catching the attention of treasury executives. This research note outlines the value proposition for procure-to-pay automation and the current positioning of selected industry solution...
Banking Profitability Drivers

Banking Profitability Drivers

  • Javelin Report
  • Date: August 1, 2012
  • Author(s): Ed O'Brien
New research from Mercator Advisory Group examines new tools and techniques for financial institutions to improve profitability
The Dangers of Public Wi-Fi: Fraud Implications of Sniffer-Based Attacks

The Dangers of Public Wi-Fi: Fraud Implications of Sniffer-Based Attacks

  • Javelin Report
  • Date: July 25, 2012
  • Author(s): David Kaminsky
  • Research Topic(s): Emerging
Hackers are able to develop tools known as sniffers that allow them to access certain website accounts of users sharing a Wi-Fi network. This research note describes this process, identifies certain websites that are particularly vulnerable, and...
Premium Debit: Not So Heavy Metals

Premium Debit: Not So Heavy Metals

  • Javelin Report
  • Date: July 23, 2012
  • Author(s): Patricia Hewitt
  • Research Topic(s): Debit
Premium credit cards have evolved from gold to platinum to black as a means of maintaining elite card relevance and appeal to high-net-worth account holders. Premium debit cards, in contrast, haven't found a similar market, at least in the Unite...
Defining GPR in Response to the Consumer Financial Protection Bureau's Proposed Rulemaking on Prepaid

Defining GPR in Response to the Consumer Financial Protection Bureau's Proposed Rulemaking on Prepaid

  • Impact Note
  • Date: July 22, 2012
  • Author(s): Tim Sloane
  • Research Topic(s): Prepaid
The CFPB has asked the industry to define GPR, creating an inflection point for the industry as all regulations run the risk of unintended consequences and once the government creates a definition it rarely looks back. The problem is that prepai...
Third-Party Walk-In-Bill Payments in the United States

Third-Party Walk-In-Bill Payments in the United States

  • Javelin Report
  • Date: July 18, 2012
  • Author(s): Ben Jackson
  • Research Topic(s): Debit
Third-Party Walk-In-Bill Payments in the United States
Retail Banking Contact Centers: Strategic Considerations

Retail Banking Contact Centers: Strategic Considerations

  • Javelin Report
  • Date: July 16, 2012
  • Author(s): Michael Misasi
New research examines how the contact center can be deployed as a strategic asset.
The Final Repeal of Regulation Q: One Year Later, Much Ado About Nothing

The Final Repeal of Regulation Q: One Year Later, Much Ado About Nothing

One of the less earth-shattering elements of the Dodd-Frank legislation was the repeal of the last remnants of Regulation Q, which had existed in one form or another since the 1930s. Does it matter anymore? To date, apparently not to most banker...
Demographic Shifts in Banking: Usage Patterns by Age and Income

Demographic Shifts in Banking: Usage Patterns by Age and Income

  • Impact Note
  • Date: July 4, 2012
  • Author(s): Ed O'Brien
As customers become accustomed to banking via new and sometimes different methods, many prefer certain channels for specific purposes. Mercator Advisory Group CustomerMonitor surveys are finding that younger, more affluent customers prefer the c...
State of U.S. Network-Branded Credit Cards

State of U.S. Network-Branded Credit Cards

  • Javelin Report
  • Date: July 2, 2012
  • Author(s): Ken Paterson
  • Research Topic(s): Credit
High-level industry data continue to show two faces of the U.S. credit card industry: growing spending but lower lending. Meanwhile, the underlying account base has yet to arise from its postrecession lows. Consumers (as opposed to commercial ca...