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
Revisiting the Prepaid Financial Services Value Chain
New research from Mercator Advisory Group reexamines the prepaid value chain and its evolution in recent years
Consumer Credit Card Issuers: Struggling in a Growing Market
U.S. consumer credit card spending reached an all-time high in 2012. Unfortunately for issuers, this volume isn’t producing much interest income. Consumers are choosing not to carry balances, which is why many credit card banks are struggling to...
Opening Accounts via Branch, Online and Mobile: The How, When and Why?
Digital account opening has grown by leaps and bounds in a few short years, reaching over 88.5 million Americans opening an account online or with a mobile device.
Mobile Payments: Opportunities and Strategies for Credit Issuers
New research from Mercator Advisory Group examines mobile payment opportunities for U.S. credit issuers
Corporate Mobile Banking: Status Update
Questioning the interest of corporations in mobile banking services has been consigned to the past. Now bankers ask "what, how, and when," rather than "if," but commercial mobile access will require significant resources over the coming three to...
Virtual Currencies and Bitcon: Crossing to the Physical Chasm
Virtual currency has evolved far past its humble beginnings as an in-game currency. The more than 47 million adult virtual currency users purchased $4.65 billion worth of virtual currency in 2012, and spend on virtual currencies is expected to m...
The Mexican Payment Card Market
New research from Mercator Advisory Group overviews the payment card market in Mexico.
Online And Mobile Retail Payments Authentication: Preventing Fraud in the Age of Data Breaches and Malware
In 2012, online retail payments reached 7.4% ($318 billion) of all retail transactions. The thriving online market is an increasing target for fraudsters, particularly with EMV, or “Chip and PIN,” expected to significantly curtail card fraud at ...
Customer Identification Programs in Prepaid: Best Practices
Customer identification programs are the first line of defense to prevent money laundering, fraud, and other criminal activity, but they can do more to help prepaid program managers. Program managers have the opportunity to use the identificatio...
Mobile Payments in the Transportation Industry
Despite numerous attempts, mobile payments have struggled to become legitimate alternatives to plastic card-based payment systems. This Mercator Advisory Group Research Note analyzes the array of benefits that mobile payments offer merchants in ...