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

Cross-Border Online Payments

Impact Note
Date: April 2, 2012
Author(s): Terry Xie
Research Topic(s): Global

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

Javelin Report
Date: March 29, 2012
Author(s): David Fish
Research Topic(s): Emerging

Multichannel Merchants Face Payment Process Complexity

Tools for Managing Commercial Card Programs

Javelin Report
Date: March 29, 2012
Author(s): Patricia McGinnis
Research Topic(s): Commercial & Enterprise

Tools for Managing Commercial Card Programs

Credit Decisioning and Social Media: To Boldly Go . . . Where?

Javelin Report
Date: March 28, 2012
Author(s): Ken Paterson
Research Topic(s): Credit

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

Javelin Report
Date: March 28, 2012
Author(s): Michael Misasi
Research Topic(s): Commercial & Enterprise

U.S. Fleet Cards: Networks Lead with Real-Time Innovation

Programming the Payments: From APIs to Commerce Platforms

Javelin Report
Date: March 26, 2012
Author(s): George Peabody
Research Topic(s): Emerging

New research from Mercator Advisory Group reviews software development platforms and payment innovation

Top 50 Debit Card Issuers: Rewards and Loyalty: 2011 Annual Review

Javelin Report
Date: March 26, 2012
Author(s): Patricia Hewitt
Research Topic(s): Debit

Boston, MA -- In new research, Top 50 Financial Institutions' Debit Rewards and Loyalty: 2011 Annual Review, Mercator Advisory Group provides its annual examination of the changes taking place in the rewards and loyalty programs of the top debit...