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
EMV Cards: Instructions Required
U.S. cardholders are confused about those new chip cards they got in the mail. A modest stream of EMV cards is making its way into U.S. cardholders' wallets. Cardholders may think that's great, but for all the wrong reasons. Issuers who are putt...
Trends in Credit Scoring and Model Development
New Mercator Advisory Service report explores scoring products and emerging modeling techniques. This report by Mercator Advisory Group presents research that will help payments industry participants understand the basics of credit scoring and s...
Introduction to the Russian Payment Market
New research from Mercator Advisory Group examines past, present, and potential future developments in Russian payments.
2013 Retail Point of Sale (POS) Update and Forecast: Mobile and Prepaid Opens New POSsibilities
At 92.6% of total U.S. retail dollar volume, the point of sale (POS) retail market towers above the online market and will continue to do so for years to come. But the growing popularity of the digital realm has fundamentally altered the nature ...
Mobile Wallets: The U.S. Landscape
New Mercator Advisory Group research identifies U.S. mobile wallets by category and technology. The physical wallet might someday go the way of the checkbook, used by few and no longer a necessity. Growing consumer use of smartphones is creating...
Revisiting Biometrics Around the World, 2013
Biometric technologies always have appeal in security-crucial environments. But applications in banking and payments have been limited. Can that be changed?
New Strategies for Prepaid Profitability: A Pro Forma Analysis
Mercator Advisory Group creates a base-level prepaid portfolio pro forma utilizing data from study by Federal Reserve Bank of Philadelphia's Payment Cards Center and the Center for Financial Services Innovation
Payments Privacy Is Not Always Sinister
Many shoppers prefer making payments off the radar. Shoppers may have a variety of reasons for wanting their payments to go unrecorded, and not all of them are because of illicit or illegal activity.
Real-Time Payments 2013: Struggling Toward Revolutionary Change
With the expansion of electronic and mobile commerce, consumers and businesses have broadened their expectation of “always on” immediacy to incorporate payments. No longer is two-day or even next-day payment or funds movement adequate when there...
A New Model to Deepen Customer Loyalty Programs: AVENUE Model
Leading rewards and loyalty programs deepen participant value enabling customers to use accumulated points toward purchases.