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
Durbin Amendment Is Not The End Of Prepaid, But Providers Have Work To Do
While prepaid cards can gain exemption from the interchange caps of the Durbin Amendment to the Dodd-Frank Act, program managers still have their work cut out for them and decisions to make, when running a compliant program in the new environmen...
Fighting for Position: The Mobile Wallet Wars
Fighting for Position: The Mobile Wallet Wars
What is Happening in Remittance
The global remittance market is slowly recovering from the economic downturn. But the trend differs across regions as the pace of recovery in sender nations varies. As the remittance market recovers, new distribution channels and settlement appr...
The Future of BIN Sponsorship: Internal Audit Goes Outside Based on OTS Cease & Desist Order to Metabank
A cease and desist order from the Office of Thrift Supervision against Meta Bank may set the floor of regulatory expectations for issuers of prepaid cards.
EMV in the USA
EMV is, at last, coming to the USA. The sitting duck in the global payments pond will become the more swan-like global security framework that will make counterfeit cards much harder to create. Visa's active encouragement of EMV contact and cont...
Borders Gives A Gift To The Prepaid Industry In Chapter 11
As bookseller Borders Group, Inc. begins liquidating all of its assets, gift card holders will still be able to redeem their cards, but this will raise concerns in the minds of consumers and regulators alike about the safety of gift cards.
Debit - College Students And Teens
While the overall percentage of the American population under the age of 21 has dropped between 2010 and 2000, the gross spending of this age group has continued to rise annually. In this Note we'll examine these demographics' shopping habits an...
EMV - Does This Make My Portfolio Look Big?
The Durbin Amendment held out hope for pro-EMV product strategists in the U.S. that the Federal Reserve Bank would mandate this fraud-prevention standard in their final rules. In lieu of a requirement, U.S. issuers will have to settle for good o...
Premium Credit Cards 2011: Chasing The Affluent Consumer Post-Recession
Boston, MA -- With more card issuer interest and focus on pursuing affluent and high net worth (HNW) consumers with excellent credit histories, the credit card industry has responded by expanding or enhancing the perks offered to wealthy cardhol...
European Card Market 2011 Update
European Card Market 2011 Update