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
Single-Merchant Wallets: Mobile Payments for the Immediate Future
New research from Mercator Advisory Service profiles multiple solutions and forecasts growth for single-merchant wallets
Layaway: The New Frugality Meets an Old Idea
As consumers continue to adjust their payment patterns in the wake of the Great Recession, major retailers' layaway programs appear to be gaining new traction during the 2012 holiday shopping season. Programs are attracting consumer interest bey...
ISOs and Innovation: The Evolution of Independent Sales Organizations in the U.S.
Nonbanks have long been active in enabling card acceptance for merchants, whether through sales and service, processing, or equipment. The rapidly aging new millennium has seen many ISOs decline in prominence or become absorbed by competing firm...
Motivating Consumer Adoption of Mobile Payments
Mobile payment solutions providers are struggling to convince consumers of the benefits mobile provides over plastic cards. A day of discussion with active mobile payments users sheds some light on what consumers are looking for in a mobile paym...
Proactive Consumer Fraud Communications: Don't Call Me, I'll Call You
Contemporary consumers want to have more control over their money. They are demanding more information faster and access to updates on activity taking place on their accounts. They are also becoming increasingly aware of the threat inherent in o...
2013 U.S. Credit Card Outlook
Like 2011, 2012 has turned out to be a stronger year than expected for credit card spending. Next year may be the year the account origination logjam break - if other things don't break first.
Checks Become More Liquid as Visa and Chexar Deploy a Check Cashing Network
The LMI community benefits and the prepaid financial services market continues its rapid growth. Soon anyone will be able to deposit a check for cash at a cost that varies with risk (including free). This will be a huge benefit to those who are ...
Merchant-Funded Networks: Bolstering Credit Card Rewards
Mercator Advisory Group's newest report, Merchant-Funded Networks: Bolstering Credit Card Rewards, describes how U.S. credit issuers are implementing merchant-funded programs alongside proprietary reward schemes, and presents several ways for is...
Debit Advisory Service: 2013 Outlook
In 2012, the debit industry in the U.S. began to recover from the turmoil resulting from the Durbin Amendment, but that doesn't mean smooth sailing by any means. 2013 may be the year of living dangerously as issuers begin to move into new produc...
Point-to-Point Encryption in Payments: The Stage is Set for Mass Adoption
With the majority of major U.S. merchant acquirers offering point-to-point encryption (P2PE) solutions for securing payment card data either in flight or at rest, the stage is set for broader adoption in the merchant marketplace. In one sense, d...