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 Mobile Wallet Game: Visa and MasterCard Playing Both Offense and Defense Around the World
As payment form factors shift around the world, the global card networks Visa and MasterCard are taking a proactive approach by simultaneously expanding their influence and solidifying their position in the evolving mobile wallet space.
Account-to-Account (A2A) and Person-to-Person (P2P) Money Transfer in 2013: The Race for Ubiquity
Money transfers, like all other aspects of the payment industry, are going through a transformation. Consumers expect fast and ubiquitous connectivity between their own accounts and those of third parties, and many players are competing to make ...
Premium Credit Cards: Products Converge in a Consolidating Market
New research from Mercator Advisory Group examines recent product developments in the market for premium credit cards Credit card issuers' continued interest in pursuing affluent consumers with excellent credit histories has expanded the variety...
Payment Card Tokenization: Merchant Use Extends Beyond Reducing Breach Risk
Reducing PCI-related costs remains the primary objective in using proxies to protect payment card data, but the token's ability to support simplified multichannel checkout is a valuable perk as well.
Tablets at Checkout: A True Disruptor
Until recently, competition among providers selling devices for payment card acceptance was shrinking. U.S. competition among point-of-sale (POS) terminal makers for the past few years essentially has been controlled by two large vendors, VeriFo...
Global Remittance Market
New research from Mercator Advisory Group examines the state of global consumer remittance flows and select international remittance service providers
Mobile Wallet Game Changers: A Glimpse into 2014's Projected Winners and Losers
Market forces are generating increased interest in mobile wallet use, creating an enormous opportunity and an attractive target for investment. The percentage of consumers who use smartphones and tablets is growing rapidly, and consumers’ willin...
U.S. Mobile POS Payment Volume: Estimates and Projections
Mobile payments haven't lost their appeal even though usage remains limited to a few niche applications. Will the expected national rollouts from Isis and MCX finally make mobile payments ubiquitous? This Mercator Advisory Group Research Note pr...
Navigating the Rising Tide of Ecommerce Fraud with Consumer-Approved Authentication Solutions
The gradual proliferation of EMV over the coming years is expected to greatly reduce card fraud at the point of sale.
De-anonymization: Potential Impact on Payment Data Collection
In an increasingly interconnected technological world, consumers around the globe are either consciously or inadvertently handing over private data. Payment transaction data collected has great marketing potential, but it has a downside for cons...