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
How Mobile Can Open the Door to $2.1 Trillion in Bill Payments
Paying bills is an inescapable necessity for consumers, with $2.1 trillion in payments annually for just seven common types of bills in 2013, according to Javelin estimates. The mobile bill-payment industry is in its infancy — accounting for $36...
The Digital Security Transformation
New technologies are emerging that will create a more secure payments infrastructure for consumers
International EMV Developments 2013
While much attention in the U.S. payments industry has been focused on the impending EMV technology migration, outside of the United States the global migration is in full swing.
Technology for Working Capital Optimization
New research from Mercator Advisory Group examines how technology is facilitating payments discounting and supply chain financing
The Increasing Ubiquity of Person-to-Person Transfers
Consumers transferred over $1 trillion in 2012 using electronic channels, including both account-to-account (A2A) and person-to-person (P2P) payments.
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...