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
The ISIS Mobile Payments JV: NFC's Breakout Opportunity May Be Balkan Gardens
The Isis mobile payments joint venture could drive broad NFC deployment. But, if mobile operators run true to form with sacrifices to their great god ARPU (average revenue per user) as their only strategy, then NFC access will be expensive and s...
Visa DPS and Mastercard IPS: A Discussion with the Networks' Debit Processing Solution Business Leaders
As an industry leading solution, Visa DPS has spent the past 14 years successfully delivering account management and processing solutions to their debit card issuers. As MasterCard throws down the competitive gauntlet in the U.S. debit market, t...
Mobile Resilience: How the Mobile Supply Chain Could Screw up Mobile Payments
We all know that if we lose a credit or debit card, we can have it replaced within 24 hours. Sometimes sooner. But what happens when the device that promises to revolutionize mobile commerce and payments breaks down? How ready is today's mobile ...
Planning for Growth in a Life after Spend: A View of Future Expansion in the Electronic Payments Market
The growth of the electronic payments industry has taken place in a market built on a foundation of escalating spend. Now that the consumption era is over, it's time to get down to business and expand the reach of electronic payments. Solutions ...
Verifone Acquired Hypercom: Consolidation and Anticipation in the POS Terminal Market
Over the past ten years, second tier POS terminal makers have been common acquisition targets by the three top tier POS terminal vendors. And now there are two as Hypercom will now be a part of VeriFone. VeriFone has been on a tear the last coup...
New Market Opportunities for Closed-Loop Gift Cards
New Market Opportunities for Closed-Loop Gift Cards
Small Business Debit: How Small is Small?
Small Business Debit: How Small is Small?
The OTS Order Against MetaBank Touches NetSpend and the Prepaid Industry
On October 6, 2010, the Office of Thrift Supervision (OTS) issued a Supervisory Directive to MetaBank that requires MetaBank to get written approval from the OTS before entering into new business. The OTS has not yet made any information on this...
Co-Branded Consumer Credit Cards 2010: Mature Products Ripe For Change
Boston, MA - This report provides an analysis of a very mature product: the U.S. co-branded card. Defined as a network-branded (American Express, Discover, MasterCard, or Visa) credit card issued by or for a commercial firm (other than a bank) u...
De-Leveraging Becomes De-Carding
We might be seeing early indications of improved spending on credit cards. But the massive drop in the number of credit card accounts on file shows that some cardholders have given up their cards -- voluntarily or not. Mercator's CustomerMonitor...