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
Walk-In and Alternative Bill Payments in the United States
Bill-Payment Services Continue to Expand, but Alternative Bill Payments Explodes Mercator Advisory Group releases research on the status of walk-in bill payment and the rise of online and mobile bill payment services in the U.S.
Global Transit Payment Initiatives
Transit fare payment is increasingly cashless
Transit and Tolls: New Tracks for Growth in Prepaid in the U.S.
Market Opportunities for Prepaid Providers in U.S. Mass Transit and Highway Tolling New research from Mercator Advisory Group shows how prepaid is becoming the preferred payment method for mass transit and highway toll payments.
Preparing for 2015: The Year of the Liability Shift
Payments industry stakeholders define their EMV strategies Credit card issuers are gearing up for a fourth quarter that will likely mark the kickoff of widespread EMV issuance. Card manufacturers are adding capacity to meet demand, and all sour...
Middle Market Creates a Renaissance for Commercial Card Rewards
Smaller companies with smaller corporate card programs are mostly shut out from rebate eligibility by the bigger issuers. Additionally, regional and second tier issuers don’t have deep enough pockets to be able offer smaller programs cash incent...
Managing the Potential Regulatory Landscape of Prepaid Cards on College Campuses
Prepaid card transaction interchange revenue of reached an estimated $1.5 billion in 2013, and payment players are motivated to avoid regulation that could limit revenue. Javelin examines how issuers and universities offering these prepaid cards...
Investing in Wearables for Financial Services – Why Now?
This report lays out how consumer demand and FI investment in wearables will unfold in three phases, outlines the short- and long-term return on investment (ROI) for wearable investments, and prescribes ways financial services innovators can inv...
Embracing a Digital Future: Three Case Studies in Prepaid Card Distribution
New research from Mercator Advisory Group provides case studies of card mall companies to illustrate best practices for transitioning to digital distribution
Prepaid Card Regulation for College Students: Addressing the Needs of Future Banking Customers
This report examines the controversial regulatory environment for campus prepaid cards and recommends how issuers and universities can best manage potential regulation. This report also analyzes the unique financial needs of today’s college stud...
Credit Card Collection Platforms: Compliance Takes Center Stage
Falling delinquency rates give creditors some relief Providers are consistently improving analytical capabilities, but regulatory compliance often drives technology investment by banks and collection agencies. This Mercator Advisory Group resear...