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
Senator Durbin is Not Done with Debit Yet
Senator Richard Durbin (D-IL) of Durbin Amendment fame has asked the Federal Reserve Board of Governors to determine if financial institutions that have not adopted PINless debit are inhibiting merchants’ choice of debit networks, particularly f...
Sibos 2020: The View from a Desk
In the midst of a pandemic, the singular international banking event was delivered in an online and condensed format, but still provided valuable information for institutions to prepare for the changing market demands. The future is now as corpo...
Consumer Debt Collection Software: Vendor Assessment
Credit Card Collection Systems: Four Risk Management Tools Collection Systems Lay the Groundwork, but Training and User/Vendor Interaction are the Key for Success
Optimizing Dispute Strategies
This report evaluates consumer needs for disputing transactions and the challenges faced, and offers guidance on how financial services—both issuing and merchant—can improve the dispute experience to retain customers.
FedNow Instant Payments Starts to Take Shape
Approximately one year after the Federal Reserve Board of Governors (the Fed) announced its intent to become a real time payments operator, updates have been announced that give shape to what can be expected from FedNow Instant Payments.
No Holiday for the Regulator During the Pandemic
In the midst of COVID-19, corporate banks must still deal with regulations as a fact of life.
Improve Real-Time Payment Market Positioning Through Consumer Diversity
This report helps focus on how consumer groups can be evaluated to diversify ways to pay and expand the market share of the financial institution through accessibility.
Fast Access, Fast Payments
This original report, sponsored by PSCU, provides insights and education to help Credit Unions prepare for the implementation of faster payments. A continuation of 2019's The Credit Unions' Guide to Faster Payments, this report provides guida...
The Growth of Sophisticated Digital New Account Fraud Attacks
New account fraud increased to $4 Billion in 2019, and that is only the beginning as synthetic fraud often goes undetected. The challenge for fraud and digital teams is the need to reduce losses while increasing approval rates to onboard new cus...
Debit Card Abruptly Finds Itself Top of Wallet
The Debit Card Abruptly Finds Itself at the Top of the Wallet Mercator Advisory Group’s latest report suggests strategies debit card issuers may consider to retain this preferred card status with their cardholders.