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
Credit Card Lending Help Wanted: Seeking New Business Models
This report examines the business model of card issuers, specifically the difference between the prime/super-prime and subprime businesses, and how they are coming under an increasing level of pressure. It also reviews why secured and other star...
Banking as a Platform: API Technology Presents Opportunity to Financial Institutions
Adoption of banking as a platform frees financial institutions to individualize banking service delivery in concert with fintechs. New Mercator Advisory Group research delves into the configuration change FIs will implement to better navigate a...
Prepaid Cards: Addressing the Needs of Goal-Oriented Savers
Cardholders are saving to spend, which can help prepaid card providers. Savings accounts attached to prepaid cards make the cards more similar to traditional bank accounts than previously.
Acquiring DDAs and Debit Digitally
New checking and debit card account openings often begin in a digital channel but typically don’t conclude there.
The On-Demand Economy: Mobile Apps That Deliver Convenience Boost Payments Volume
On-demand economy spurs customer engagement and mobile payment growth. New research from Mercator Advisory Group assesses four popular segments of the U.S. On-Demand Economy.
The U.S. Fleet Card Market Still Has Legs
Fleet cards still have room to grow in the U.S. commercial credit card market according to new research report. New Mercator Advisory Group research report presents analysis indicating that fleet card networks have a reasonable chance to expand ...
Premium Travel Reward Credit Cards: High Profile but Unsustainable
Are high-fee/high-reward premium travel credit cards a sustainable business model?New Mercator Advisory Group questions the sustainability of high-priced travel reward credit cards and sees year-2 attrition challenges.
InComm VanillaDirect: A Tool for Cash Payments
InComm has created a network for billers, account providers, and others who want to accept cash indirectly.
Taking Zelle for a Spin
Has the debut of person-to-person payment application supported by U.S. financial institutions been too rushed?
2017 Annual U.S. Debit Data Review
Digital payment options, consumer concern about fraud, debit network actions, and credit availability are shaking up the debit card market.Mercator Advisory Group releases new research analyzing U.S. debit market card and transaction trends and ...