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
Business at the Periphery: Opportunities Around the Transaction
New Mercator Advisory Group report identifies niche business segments around the actual settling of payments. Many new entrants are seizing on business opportunities around the core transaction process, deriving revenue from value-added services...
Cash Based Alternative Online and Mobile Payment Services Around the World
Around the world, cash remains a significant consumer payment instrument, but as the 21st century shopping experience evolves, consumers who use cash exclusively or almost exclusively will be disadvantaged as goods and services increasingly move...
Contactless Cards: Listening for a Heartbeat
Contactless cards have been teetering on the edge of the debit card market for the past decade. Merchant acceptance is far from ubiquitous. Issuers "attempts to quell consumers" fear of account data being stolen appear to be ineffective. Mobile ...
Emerging Technologies: An Outlook from Q1 2013
U.S. issuers and acquirers continue to address impending fraud-liability deadlines for EMV migration. But on another technology front, are we closer to knowing whether a clear direction for mobile payments will emerge?
A First Look into the Canadian Prepaid Market
Canada, the eleventh largest global economy, has a population of 34.5 million along with one of the world's most developed banking markets featuring significant penetration of banking services and high consumer satisfaction. Debit cards are used...
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...