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
National Debit Networks: When Global Goes Local
Growth of New Intracountry Debit Networks Likely to Gain Momentum in Countries Around the World
Private Label Credit Cards Achieve Steady Growth in a Turbulent Market
Numerous card portfolios have changed hands since the financial crises, all the while the industry has consistently grown in accounts and outstandings. Portfolio acquisition activity settled somewhat in 2013, but the biggest move is still on the...
Real-Time Payment Systems: A Global Opportunity
Benefits and Efficiencies of Real-Time Payments Systems Balance High Costs of Implementation
9TH Annual Credit Card Issuers’ Identity Safety Scorecard: Preventing Fraud Through Improved Authentication and Customer Engagement
Javelin’s ninth annual Credit Card Issuers’ Identity Safety Scorecard analyzes the customer?facing security features and scores of 24 of the nation’s top credit card issuers using Javelin’s Prevention, Detection, and Resolution™ Model. The Score...
Beyond the Turnstile: Adding Open-Loop Functions to Transit Fare Cards
Mercator Advisory Group examines how transit agencies can enable their fare cards to be used wherever payment cards are accepted
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.