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

Marketing Card Products To A Cardless Customer Base

Impact Note
Date: July 21, 2011
Author(s): Michael Misasi
Research Topic(s): Credit

Mobile wallets are designed to streamline payments and reduce checkout time. The technology however, also has the potential to unnerve a small but valuable segment of payment card users -- super-premium credit cardholders. This viewpoint examine...

Mapping the United States of Prepaid: How Governments Use Prepaid Cards to Disburse Benefits

Javelin Report
Date: July 20, 2011
Author(s): Ben Jackson
Research Topic(s): Prepaid

Mapping the United States of Prepaid: How Governments Use Prepaid Cards to Disburse Benefits

Prepaid Financial Services: The Best Bet For Financial Inclusion (Unless Derailed By Regulation)

Javelin Report
Date: July 19, 2011
Author(s): Tim Sloane
Research Topic(s): Debit, Prepaid

Prepaid Financial Services: The Best Bet For Financial Inclusion

The U.S. Merchant Acquiring Industry in 2011: Going Mobile

Javelin Report
Date: July 17, 2011
Author(s): David Fish
Research Topic(s): Credit

The U.S. Merchant Acquiring Industry in 2011:

Selecting A Personal Checking Account: Enabling Fee To Value Comparisons

Javelin Report
Date: July 13, 2011
Author(s): Patricia Hewitt
Research Topic(s): Debit

Selecting A Personal Checking Account:

Data Protection and Privacy: Primer For A Challenging Issue

Javelin Report
Date: July 12, 2011
Author(s): Patricia McGinnis
Research Topic(s): Emerging

Data Protection and Privacy: Primer For A Challenging Issue

Regulatory Change's Impact on China's Emerging ePayments

Impact Note
Date: July 6, 2011
Author(s): Terry Xie
Research Topic(s): Global

As the first 27e-Payment licenses were issued at the end of May 2011, Mercator analyzes the impact of the latest development on the evolution and industry landscape in China's emerging e-payment market.

VC Investments in Payments 2010

Javelin Report
Date: June 29, 2011
Author(s): Terry Xie
Research Topic(s): Global

In 2010, the global payments industry saw a significant increase in the number of investing companies and the amount of money they received.

Durbin and Payments Innovation

Javelin Report
Date: June 28, 2011
Author(s): George Peabody
Research Topic(s): Credit, Emerging

It's certain that the Durbin Amendment will go into effect. While the rule's exact parameters may not be known until July 21, the regulation's impact on debit issuer strategies, and those attempting to compete with them, is already visible. The ...

Non Prime Credit Card Segments 2011: An Opportunity Waiting To Happen

Javelin Report
Date: June 27, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Boston, MA -- This report highlights opportunities in three heterogeneous credit card prospect segments which exist outside prime territory: subprime, consumers with an established credit track record indicating a higher risk of credit default, ...

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