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
Prepaid Phone Customers: The Next Big Market for Prepaid Payments Cards
Prepaid wireless companies are poised to become significant players in the market. Mobile virtual network operators (MNVOs) focused on prepaid wireless phones have begun offering open-loop prepaid payments cards and associated prepaid mobile wal...
Update: U.S. Interchange Antitrust Settlement
Settlement approval supports power shift in merchants’ favor
Commercial Lending: Using Data Mining Technology Can Expand Client Base
New analytical tools allow extraction of meaning from all sorts of things—photos, audiotapes, insurance claim files, blogs, Twitter files, Facebook pages, news feeds, and more. Among the challenges is the investment the organization must make in...
Card Data is Under Siege: Assessing the Impact of Data Breaches, EMV and Mobile Payments
Data breaches, EMV, and mobile payments are key issues affecting the security of payment card data, including credit cards, debit cards and prepaid cards.
Leveraging Mobile to Attract High Value Credit Card Customers
The explosion of smartphones and tablets is revolutionizing the movement of money, from opening credit card accounts, to transferring card balances.
Small Business Credit Cards: Whetting Business Owners’ Appetite for Borrowing
Recent trends and product developments in the market for small business credit cards
The Rise of New Consumer and Small Business Lending Models: Peer-to-Peer and More
Peer-to-peer lending and other new lending models are gaining popularity with consumers and small businesses. This market space is interesting and complex. It is filled with emerging technology that applies new credit underwriting criteria and s...
Gift Cards Remain at the Top of Holiday Shopping Lists
Amounts spent on prepaid gift cards in the U.S. will grow in the 2013 holiday season. Mercator Advisory Group’s holiday forecast of loads in the In-Store Gift Card segment of closed-loop prepaid cards predicts that the business will continue to ...
Online Cash Payments: Threat or Opportunity?
Over the last several years, as online sales and bill pay have gained momentum, merchants and financial services executives have explored ways to expand their role in online purchasing and payments by attracting the potential “buyers/payers” seg...
2014 Commercial and Enterprise Payments Outlook: The Year of Integration
Electronic invoice and payment solutions will be paired to enable fuller order-to-pay services