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
Cryptocurrencies: Governments and Banks Catch Up to the Adoption Curve
New Mercator Advisory Group research report examines the growing role of financial institutions in the cryptocurrency landscape and highlights areas of opportunities for payment providers and fintechs.
The Health of Cash and its Role Expanding the Digital Economy
This report, sponsored by Cardtronics, explores how the digital economy benefits from cash usage and consumer preferences for safe and easy commerce. Consumers who prefer to use cash are digitally savvy but are unable to access the digital econo...
Buy Now, Pay Later: Gaining Scale and the Disrupting Status Quo in Lending
Mercator Advisory Group’s latest report suggests high credit losses, pricing issues, and competition will force model change.
The U.S. Population of Unbanked Individuals is Shrinking
Mercator Advisory Group releases new research looking at the business of banking the unbanked and the role of fintech to diminish their ranks.
Businesses Need Receivables Automation to Keep Cash Flow Positive During the Pandemic Recovery
In new research, Mercator Advisory Group reports an increased recognition that receivables modernization is a key part of digitized payments.
2021 Outlook: U.S. Payments
The judgment to make about the pressure exerted by the COVID-19 virus on the U.S. payments business hinges not only on which changes are important, but which changes are permanent, or portend permanent developments beyond their implementation. T...
An Exploration of the Complex Prepaid Market and How a Change in Reg. II Could Unravel Fintechs
Mercator Advisory Group releases new research on the prepaid market and how a change in interchange regulations could pose significant challenges for fintechs.
A Functional Taxonomy of Digital Wallets: Today’s Version, Tomorrow’s Direction
Mercator Advisory Group implements a taxonomy to aid evaluation of all digital wallets; open, closed, mobile and web based.
A Maturing U.S. Neo-Bank Market: Growing Pains and Opportunities
Mercator Advisory Group releases new research on the neo-bank market, the threats facing fintechs, and predictions for the future.
Pay-at-the-Table Finds Its Way onto More Menus
The restaurant industry was rocked by the COVID-19 pandemic and now looks for solutions to aid its recovery. An existing payment application, Pay-at-the-Table, no newcomer, is getting renewed attention from tech developers as a way to increase s...