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
U.S. Digital Gift Card Loads to 2014: A Baseline Forecast
If electronic gift card loads grow at their current rate, then they will total 3 percent of the direct-to-consumer gift card market in the United States in 2014. This research note provides a baseline projection and explains why the market will ...
Overdraft Fees
It's been almost two years since the Overdraft Fee Act shifted control of debit card overdraft programs from issuers to consumers and initiated a new era of regulatory pricing control. Now, with the CFPB taking its turn at examining overdraft fe...
Multinational Merchant Acquiring
Handling payments in different formats and currencies has become a major issue for multinational merchants. Ambitious acquirers are taking action.
Japan Payments Market Update
Japan Payments Market Update
Third-Party Payment Processor Risk: FDIC's Guidance and Its Impact on Merchant Service Providers
The Federal Deposit Insurance Corporation revised its guidance to the banking industry on dealing with third-party payment processors early this year. This Mercator Advisory Group Viewpoint examines the guidance's main points and its potential i...
Cross-Border Online Payments
Consumers around the world are increasing their shopping at overseas e-commerce websites for bargains or for products unavailable in their home markets, creating huge demand for cross-border online payment services.
Multichannel Merchants Face Payment Process Complexity
Multichannel Merchants Face Payment Process Complexity
Tools for Managing Commercial Card Programs
Tools for Managing Commercial Card Programs
Credit Decisioning and Social Media: To Boldly Go . . . Where?
There are rumors of projects underway to mine the increasing supply of social media data to create new credit decisioning tools. Most of this work is occurring too far from view to provide any indication of the potential predictive value of this...
U.S. Fleet Cards: Networks Lead with Real-Time Innovation
U.S. Fleet Cards: Networks Lead with Real-Time Innovation