Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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

PIN vs. Signature Debit

Impact Note
Date: March 1, 2012
Author(s): Patricia Hewitt
Research Topic(s): Debit

The impact of flattened debit interchange rates for PIN and signature transactions among the largest issuers, the elimination of issuer routing control and network exclusivity, along with the emerging network mandates pertaining to EMV in the Un...

Retail Judo: Using Prepaid and Mobile to Compete Against the Internet

Impact Note
Date: March 1, 2012
Author(s): Ben Jackson
Research Topic(s): Prepaid

Internet retailer Amazon.com may have given brick-and-mortar competitors a lesson that could help them compete on convenience by using prepaid and mobile technology, and their retail presence.

The 2012 Prepaid Industry Outlook

Javelin Report
Date: February 29, 2012
Author(s): Ben Jackson
Research Topic(s): Prepaid

The prepaid industry will continue to grow this year, but regulatory changes, new competitors, and the continuing fluctuations in the economy mean the business will become more complicated than in years past.

A Halt to the Decline in Credit Card Borrowing?

Impact Note
Date: February 23, 2012
Author(s): Ken Paterson
Research Topic(s): Credit

For the better part of 2011, credit card borrowing in the United States showed little direction. At least it was not down. The optimists among us might see the start of an upward trend in card usage and borrowing, but have consumers directed the...