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
Small Business Lending: New Alternatives?
New research from Mercator Advisory Group describes confusing market for small business finance
The Business and Branding of Mobile Wallets
Mobile wallets are being introduced to the market in a steady stream of configurations from passive containers to dynamic payment products.
Bank Payment Obligation (BPO) from SWIFT Supports Trade
Except in particularly risky circumstances, world trading partners have almost abandoned the traditional, document-intensive letter of credit. Open account is the prevailing method, despite the risks to suppliers. The BPO gives both buyers and s...
Bank Regulators: Not Just For Banks Anymore
Banking regulators have shown that they will extend their reach to prepaid program managers. The FDIC's recent action against Achieve Financial Services shows that regulators are looking more closely at prepaid program managers.
Techniques For Reducing Payment Card Skimming
Payment card skimming has long been the preferred method used by fraudsters hoping to capture enough payment card data to create counterfeit cards.
Alternative Currencies: Is There Staying Power?
New Mercator Advisory Group report identifies markets and market drivers behind four types of alternative currencies.
Move over Checking Fees: New Prepaid Products Are Redefining the Space
Consumer ownership of prepaid cards has climbed rapidly in the past few years and prepaid cards are now found in the wallets of 13% of all U.S. adults.
Keeping Up with M-Pesa
In just the past few months, mobile payment giant M-Pesa has announced a series of moves to expand both its functionality and the territory it serves. These new developments could have a significant impact on mobile payments in developing countr...
Personal Financial Management Tools: Bills, Budgets, and Beyond
New research from Mercator Advisory Group examines the evolution of personal financial management products.
Solving Tax Refund Identity Fraud
Identity thieves have been going after the big bucks by submitting fraudulent tax returns and then claiming refunds that are deposited to bank accounts and prepaid card accounts that bear no relation to the identity used on the return. The good ...