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
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 ...
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.