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
Alternative Payments Networks: A Matrix Model
Alternative Payments Networks: A Matrix Model
Card Borrowing's Decline Slowly Bottoms Out
The release of the Federal Reserve's preliminary December G19 reading on consumer revolving credit provided a modestly positive ending to an otherwise dismal 2010, and the press applauded. January's preliminary reading resumed the decline. For n...
BIN Sponsorship: New Revenue Opportunities for Financial Institutions in Prepaid
Special combined report and pre-recorded webinar provides guidance to financial institutions on managing prepaid card programs
Retail DDA Fee Structures
Retail checking accounts have been provided to US consumers at little or no cost for decades. In 2010, this service strategy began to change as the predictable non-interest income streams of payments-related fees were either clawed back or threa...
Debit Card Rewards in India
Debit cards are blossoming in India as consumers shun credit cards at difficult time. Rewards programs appear to significantly facilitate the progress, as the SBI Freedom Rewardz Program suggests.
International Payments Market Update 2011
As national markets around the world recover, payments will recover as well. But economic recovery is uneven and specific market and regulatory challenges translate into varied prospects by region and country.
The Mercator Map of India: An Overview of the Subcontinent's Payments Market
The Mercator Map of India: An Overview of the Subcontinent's Payments Marke
US Person-to-Person Mobile Payments Market: Gee Whiz or Gee Why?
Boston, MA -- Mobile person-to-person payments is a promising service and a logical expectation for smartphone users accustomed to the "app for that" approach. But today's mobile person-to-person payments fail to deliver on key performance crite...
The Evolution of Payment System Risk Management: And the Changing Dynamics of Credit Card Fraud Prevention
The payments industry stands poised to move into a next phase of evolution as the prospect of mobile commerce becomes more tangible. Operatives concerned with how these new technologies will change the risks posed to payments systems are also lo...
Small Business Credit Card 2010 Update: Dare We Call The Bottom?
Boston, MA -- The small business credit card segment may be finally nearing its decline, at least in terms of card spending volume.