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
Conversational Commerce Speaks to New Market Opportunities for Merchants
Conversational commerce has arrived. Chatbots and smart speaker systems are the new sales channels across merchant and other business categories. Market opportunities are many, but stakeholders must recognize technology and market challenges tha...
2018 Mobile P2P App Scorecard: Going Above and Beyond Basic P2P Functionality
P2P mobile payments have evolved and are now being used as a foundational block to build out a multi-product consumer relationship. As a result, basic P2P functionality is now table stakes and offering a compelling mobile app has never been more...
The Canadian Open-Loop Prepaid Market: 2017
The Canadian prepaid market is in the early stages of its life cycle. Mercator Advisory Group releases the third benchmark for Canadian open-loop prepaid cards.
Developing an Appropriate and Sustainable Business Plan for an API Portal
Don’t go broke building an API portal.New research from Mercator Advisory Group identifies the business cases for six models of increasing complexity and cost for deploying an API portal.
2018 Mobile P2P App Scorecard: Creating a Foundational Block of a Multiproduct Consumer Relationship
This scorecard report examines independent (not from a bank) mobile apps that can be downloaded from the Apple App Store and Google Play including Zelle, Venmo, Facebook Messenger, Popmoney, and more.
General Data Protection Regulation: The European Union’s Cross-Industry Approach to Data Protection
Mercator Advisory Group releases a new research report summarizing EU consumer data privacy rules that will affect U.S. issuers beginning May 25, 2018.
International Commercial Card Markets Outlook: 2016–2021
Mercator Advisory Group reports that commercial card spending by mid-to-large corporations in major markets outside of the U.S. continues to grow at healthy levels.
BIN Sponsorship of Prepaid Card Programs: Benefits for Financial Institutions
Banks and credit unions can benefit from BIN sponsorship of prepaid card programs New research from Mercator Advisory Group discusses BIN sponsorship for the prepaid industry, what is a BIN sponsor, should you be one, or do you need one.
API Usage Expands in Corporate Banking and Payments
Corporate banking use cases for open APIs are on the rise. Open application programming interfaces, or APIs, have become widespread across commercial and industrial organizations, and financial services is no exception. The larger players are n...
Open Banking and Its APIs Debut in Europe and the U.K. . . . and Next?
As open banking and its enabling APIs debut in Europe and the U.K., the waves are felt in the U.S. Mercator Advisory Group foresees U.S. open banking developments similar to those in EU and U.K. though without the regulatory mandates.