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
Special Purpose Banks
Georgia state legislators quietly passed a law that allows merchant acquirer limited purpose bank charters, another important win for the acquiring side of the payments market. This viewpoint addresses two questions: Now that some acquirers are ...
A Glimpse of Prepaid Regulations in International Markets
The regulation for prepaid payments varies significantly across countries from nearly nonexistent to strict and broad, posing a challenge for companies expanding into international markets. This research note provides some high-level overviews a...
Brazil Payments Card Market Update
Brazil Payment Card Market Update
The Social Cost of Fraud
Conventional wisdom in the card payments space is that fraud hurts us all -- banks, processors, merchants, and consumers. This virtual axiom is often invoked by pundits and experts in the immediate aftermath of card data breaches, such as the re...
Micropayments and the Durbin Amendment
For all transactions under $12, the Durbin Amendment resulted in raised debit card interchange fees. Merchants who specialize in these low-value transactions are now looking for ways to minimize the impact on their profitability.
U.S. E-commerce: Mobile Devices and Alternative Payments Bring Retail Online
New research from Mercator Advisory Group highlights e-commerce developments and trends
Procure to Pay: Moving from Paper to Electronic Formats Is a Confusing Process
Market participants including banks, vendors, and finance professionals are apparently having a difficult time achieving consensus about the vocabulary to use to describe changes in corporate accounts payable practices. Part of the confusion ari...
A Moment in Time
Somewhere between rumor and fact is a new merchant initiative to build, from the ground up, a new payment system. Led by Walmart and Target, the effort is attracting large and medium-sized merchants dissatisfied with the cost and security of the...
BRIC Debit Divergence: Brazil and India
BRIC Debit Divergence: Brazil and India
Too Early to Call: Five Mobile Giants
Too Early to Call: Five Mobile Giants