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
Personalization 1.0: Have FIs’ Implementations Hit the Wall with Consumers?
Feedback from recent surveys of U.S. consumers indicates that interest is waning in targeted offers from banks and credit unions. Customers’ disappointment with personalization extends to servicing performance as well. Are financial institutions...
Payment Channel Alternatives to the Card Networks for Merchant
Merchants find savings on transaction processing costs New research from Mercator Advisory Group reviews payment acceptance alternatives for merchants and how they can lower payment processing costs.
2018 Digital Banking Trends
The financial services market is undergoing significant change to adapt to consumers’ mobile-first expectations. Much immediate effort in 2018 will focus on rolling out the Zelle person-to-person (P2P) network that some envision as the backbone ...
Credit Card Acquisitions: Maximizing Results amid Change
Despite large volumes of new credit card accounts, high attrition results in limited gainsNew research report by Mercator Advisory Group examines the impact of account attrition and the shift in credit card acquisitions to the digital channel.
Dodd-Frank and Corporate Banking: Still Murky After All These Years
Dodd-Frank Act’s impact on corporate banking still murky Mercator Advisory Group reports that more than seven years after enactment of the Dodd-Frank Act, its direct financial impact to corporate banking business units remains unclear.
2018 Outlook: U.S. Payments
Opportunities abound in a complex environment.
U.K. Prepaid Market Dynamics, 2017
The United Kingdom open-loop market is poised for success. Mercator Advisory Group foresees similar U.S. growing pains as U.K. open-loop prepaid debit card market matures.
Authentication Market Shake-up as Visa Enters the Market
Authentication solutions delivered as a service will speed the adoption of new technologies. Visa ID Intelligence is a service that integrates authentication solutions from several different providers under a single set of application programmi...
Gamification in Financial Institutions: Engaging and Educating Customers
Engaging customers more frequently by using techniques found in mobile and online games will help banks, credit unions, and other financial institutions strengthen their relationships and offset the decline in engagement due to declining branch ...
U.S. Commercial Prepaid Cards: 2015–2020 Forecast
Growth forecast for U.S. commercial prepaid cards in 2018 and beyondMercator Advisory Group reports that the commercial portion of overall spend in the U.S. prepaid card market has e growth potential in private sector categories, particularly as...