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 Future Is Not in the Cards: Will 'Wearable Payments' Replace Wallets?

Javelin Report
Date: January 29, 2014
Author(s): Ben Jackson
Research Topic(s): Prepaid

Wearable Payments May Someday Take the Place of Cash, Cards, and Phones New research from Mercator Advisory Group Examines the Future of Wearable Payment Devices

Company Snapshot: LevelUp

Impact Note
Date: January 28, 2014
Author(s): Jennifer Marble
Research Topic(s): Emerging, Prepaid

LevelUp’s mobile payments application is disrupting traditional payments value chain.

Biometrics in Banking and Payments: Versatile Voice Faces An Apple-Led Fingerprint Revolution

Javelin Report
Date: January 23, 2014
Author(s): Test Test
Research Topic(s): Cybersecurity, Fraud & Security, Fraud Management, Tech & Infrastructure

Biometric authentication has been a fixture of the public imagination for decades through frequent appearances in futuristic popular fiction. In the year 2014, these solutions may finally make the breakthrough from symbols of cutting edge techno...

Regulating Credit Card Rewards

Impact Note
Date: January 22, 2014
Author(s): Michael Misasi
Research Topic(s): Credit

Should financial institutions be concerned?

Top 50 U.S. Retail Banks and Credit Unions Debit Rewards and Loyalty: 2013 Annual Review

Javelin Report
Date: January 21, 2014
Author(s): Ronald Mazursky
Research Topic(s): Debit

Smaller Banks and Credit Unions Are Poised to Provide the Richest Debit Rewards Programs

Social Media Payments: Redefining Shopping for a New Era

Javelin Report
Date: January 17, 2014
Author(s): Nick Holland, Aleia Van Dyke
Research Topic(s): Tech & Infrastructure

Although social networks are a 21st-century creation, many of today’s consumers would be hard-pressed to remember a time before Facebook, Twitter, LinkedIn, or Google+. The worldwide adoption of social networks has altered the payment ecosystem:...

Ten Trends for Financial Services in 2014: Big Data, Big Clouds, Big Mobile, Big Brother

Javelin Report
Date: January 17, 2014
Author(s): Nick Holland, Test Test, Mary Monahan, Mark Schwanhausser
Research Topic(s): Mobile & Online Banking, Fraud Management, Digital Strategy & Experience, Tech & Infrastructure, Digital Banking, Fraud & Security

Javelin’s senior analysts identify 10 trends that are transforming financial services, evaluate the implications, and map out action steps in 2014 for banking, payments, mobile, and security strategists.