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
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...
The 2021 Credit Card Data Book Part One: Internal Dynamics
Mercator Advisory Group updates annual Credit Card Data Book with projections through 2023 in part one of two.
The 2021 Credit Card Data Book Part Two: Consumer Behaviors, Profitability, and the Larger Economy
Mercator Advisory Group updates annual Credit Card Data Book with projections through 2023 in part two of The 2021 Credit Card Data Book Report.
B2B E-Commerce: The Challenges and Opportunities Caused by Digital Acceleration
Mercator Advisory Group reports that COVID-19 fueled growth in B2B e-commerce, especially in marketplace platforms, creating opportunities for many companies, including banks.
Futureproofing Payments: Building a Digital Currency Payment Strategy
Digital payments continue to evolve around digital currencies, stable coins, and cryptocurrencies, and financial institutions will need to determine how they will participate in digital financial services. With FIs moving beyond asset managem...
Developments in U.S. B2B Faster Payments
The march towards B2B faster payments ubiquity continues.
2021 Outlook: Emerging Technologies
Faster adoption of API’s, PaaS, Cloud, and other emerging technologies is driven by the shift in consumer behavior and by investments and acquisitions of fintechs.
EMV Deadline for Fuel Stations Approaches the Midnight Hour
The last phase of the U.S. retail conversion to EMV chip cards is approaching the card networks’ April 2021 mandate. After delays reaching back to 2015, fuel merchants are among the last holdouts. Most will make it; many will not. The transition...
Impacts of Regulatory Actions on Payment Technology
Payment regulation is on the horizon, not only for banks and credit unions, but also for fintechs. Some of the regulations are well overdue, like preventing discrimination in banking. Others are new to deal with the evolving cryptocurrency and p...
Google’s Advancement to Become a Super App
A simple mention in the Global Payments investment briefing provided insight into how embedded payments will be expanding through Google Advertising. Already a revenue powerhouse, Google's advertisements are wide reaching and cross many platform...