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
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 pla...
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.
U.S. Market Forecast for P2P Solutions, 2017–2021
Mercator Advisory Group releases new research and U.S. market forecast for person-to-person payment products.
2018 Consumer Financial Protection Bureau (CFPB) Final Prepaid Rule: Is This Really It?
Is the CFPB’s final Prepaid Rule really final? New research from Mercator Advisory Group discusses what prepaid program managers need to do now that the final version of the Prepaid Rule has been released by the CFPB.
U.S. Small Business Credit Card Forecast, 2017–2022: Healthy Market, Room for Improvement
Small business credit cards have plenty of growth potential in the U.S.Mercator Advisory Group’s new research report sizes the U.S. small business credit card market, estimates shadow credit, and discusses best practices.
2018 Digital Lending Trends
While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard. It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative p...
Artificial Intelligence in Corporate Banking
The use cases are evident and growing.