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
Top 50 Debit Card Issuers Loyalty and Rewards Programs 2010 - Year in Review
Boston, MA -- As interchange fee regulations become clear, one of the main areas of consumer debit card benefits - the rewards program - is almost certainly heading towards a mid-term correction. The industry has already seen one major issuer, J...
EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment
Revealed in Mercator Advisory Group's EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment report is the relatively modest cost of EMV issuance to US passport holders. While the UN Federal Credit Union is the first financial...
Global Sweep: NFC Technology to Redefine Smartphone Services
New research report by Mercator Advisory Group looks at the future development of International Near Field Communication markets
Credit Issuing Outlook 2011: A Long Dark Night Becomes a Long Dark Morning
2010 has been a turn-around year for credit card issuers, but far from a real recovery. 2011 may offer more incremental improvement, but some of the structural changes in the cardholder market will begin to manifest themselves as a drag to growt...
P-to-P Payments at Financial Institutions: Not Micro, Not Mobile, Not Personal
P-to-P Payments at Financial Institutions: Not Micro, Not Mobile, Not Personal
Who Are the Cardless? An Exploratory Analysis
As we have discussed in other documents, credit card holding by households dropped precipitously between 2009 and 2010 based on Mercator's CustomerMonitor Survey Series data. But it is easy to overlook the fact that the consumer category growing...
Debit Advisory Service: 2011 Outlook
It is very tempting to look at 2011 as the Durbin Amendment and simply leave it at that. The fact that debit card interchange is going to be regulated provides enough subject matter for this brief and many more like it. But that event, no matter...
The 2011 Prepaid Industry Outlook: Growth Will be Channeled By The Economy
The prepaid industry will continue to grow in the year to come, but the economy will determine which segments take the lion's share. Program managers and issuers should be prepared to adapt to changing conditions to take advantage of the opportu...
A New Credit Cardholder Landscape or Our Scariest Credit Card Chart Of 2010
We have written recently on the "de-carding" of U.S. credit cardholders. New data from Mercator's CustomerMonitor Survey Series speaks to this drastically changed landscape at the cardholder level, and the speed with which this change has occurr...
Global Contactless Card Market Update 2010: On the Verge of a Breakthrough?
Contactless cards so far appear to have failed to deliver what they promise, at least not to their full capability. However, things appear to be changing in 2010 and consumers and merchants might finally start to adopt contactless card payments ...