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Check out Javelin Strategy & Research reports, scorecards, and webinars from all practice areas.
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2013 Outlook: Banking Channels
- Impact Note
- Date: December 17, 2012
- Author(s): Ed O'Brien
As bankers look toward the start of a new year, several important takeaways are worth keeping in mind in contemplating what to expect and how to proceed in 2013. One thing is certain: It's prime time for channels.
ISOs and Innovation: The Evolution of Independent Sales Organizations in the U.S.
- Javelin Report
- Date: December 17, 2012
- Author(s): David Fish
- Research Topic(s): Credit
Nonbanks have long been active in enabling card acceptance for merchants, whether through sales and service, processing, or equipment. The rapidly aging new millennium has seen many ISOs decline in prominence or become absorbed by competing firm...
The Case for Early ATM EMV Compliance in the United States
- Javelin Report
- Date: December 14, 2012
- Author(s): Tristan Hugo-Webb
EMV technology is coming to the United States. For owners and independent operators of ATMs, MasterCard's requirement that U.S.-based ATMs be able to accept EMV cards by April 19, 2013 has raised the question for financial institutions, Would it...
Strategic Uses of Self-Service in Banking: New Solutions Integrate ATM and Mobile Channels
- Javelin Report
- Date: December 12, 2012
- Author(s): Michael Misasi
Financial institutions are embracing the self-service trend that has already taken hold in many other areas of retail commerce. New solutions from large suppliers of automated teller machines can help banks and credit unions integrate self-servi...
Data Privacy and Security: A Review of Global Regulatory Developments
- Javelin Report
- Date: December 11, 2012
- Author(s): Tristan Hugo-Webb
As payment technologies have evolved, so has the global consumer preference for noncash payment options. While electronic payment methods offer unique advantages over cash and other traditional payment means, the amount of personal and financial...
Motivating Consumer Adoption of Mobile Payments
- Impact Note
- Date: December 11, 2012
- Author(s): David Kaminsky
- Research Topic(s): Emerging
Mobile payment solutions providers are struggling to convince consumers of the benefits mobile provides over plastic cards. A day of discussion with active mobile payments users sheds some light on what consumers are looking for in a mobile paym...
Proactive Consumer Fraud Communications: Don't Call Me, I'll Call You
- Javelin Report
- Date: December 6, 2012
- Author(s): Patricia Hewitt
- Research Topic(s): Debit
Contemporary consumers want to have more control over their money. They are demanding more information faster and access to updates on activity taking place on their accounts. They are also becoming increasingly aware of the threat inherent in o...
2013 U.S. Credit Card Outlook
- Impact Note
- Date: December 5, 2012
- Author(s): Ken Paterson
- Research Topic(s): Credit
Like 2011, 2012 has turned out to be a stronger year than expected for credit card spending. Next year may be the year the account origination logjam break - if other things don't break first.
Checks Become More Liquid as Visa and Chexar Deploy a Check Cashing Network
- Javelin Report
- Date: December 5, 2012
- Author(s): Tim Sloane
- Research Topic(s): Prepaid
The LMI community benefits and the prepaid financial services market continues its rapid growth. Soon anyone will be able to deposit a check for cash at a cost that varies with risk (including free). This will be a huge benefit to those who are ...
Managing Card-not-Present Fraud: Best Practices for Online Retailers
- Javelin Report
- Date: December 4, 2012
- Author(s): Michael Misasi
Retail sales shifting to card-not-present channels, and this increases merchants' fraud exposure. Retailers are realizing that risk management belongs at the center of business strategy and are elevating fraud management to an enterprise-level c...
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