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 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.
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...