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
Smart Ticketing: The Move to Open-Loop Transit
Smart Ticketing: The Move to Open-Loop Transit
The Case of Payoneer and Metabank May Change the Prepaid Value Chain
The connection of prepaid cards from the United States with an assassination in Dubai has already led to changes in the prepaid industry and may reshape the entire industry.
Credit Quality: (Almost) A Round Trip
Since the official start of the recession, credit card delinquencies and charge-offs have nearly made a round trip back from the dark days of the recession. And while the economy continues to be weak, low origination volumes may ensure reasonabl...
EMV in the USA: Pushing the Peanut Down the Field
EMV rollouts are, at last, beginning for a few lucky (or just really wealthy) U.S. card accountholders. Issuers care about them. For the rest of us, however, individual issuers discern no business case in replacing dumb magstripe cards with smar...
Multi-Channel Deposit Account Fraud And Vendor Solutions
Multi-Channel Deposit Account Fraud
GPR Cards And DDAs: The Same, Only Different
GPR Cards And DDAs: The Same, Only Different
Real World Prepaid Cards Drive Virtual Goods Sales
The sale of plastic prepaid cards in brick and mortar stores has driven the growth of digital content sales. While companies are secretive about how much they sell, the evidence shows that business in cyberspace still depends on supplies from Ea...
The New Distinction: Mobile Commerce v. Mobile Payments
Mobile payments are generating more than their fair share of buzz in the payments and wireless industries. For those in the payments industry, the mobile discussion has been hard focused on the payment itself as the sole vehicle of value deliver...
Chase and U.S. EMV Cards: EMV finally gets an American accent
Suddenly, major U.S. issuers are announcing near-term plans for traveler-oriented EMV cards for their U.S. cardholders. A recent conversation with David Porter, General Manager, Chase Card Services, revealed more detail about this leading issuer...
The Tax Refund Market is Bigger Than Prepaid Providers Think: But prepaid suppliers need to adopt new strategies to help refund recipients save.
Multiple companies have tried to build a business on helping unbanked and underserved consumers receive their tax refunds. The tax refund market is actually much bigger, and retailers and program managers should look for new opportunities to tak...