Payments

People’s decisions about where to shop and how to pay their bills hinge on a series of factors, including their grasp of technology, social media influences, demographics, and access to credit. Javelin’s analysts monitor this ever-changing landscape to provide data and insight through three practices: payments, cryptocurrency and small business digital banking & payments.

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

2018 Outlook: U.S. Payments

Impact Note
Date: January 19, 2018
Author(s): Aaron McPherson
Research Topic(s): Commercial & Enterprise, Credit, Debit, Emerging, Prepaid

Opportunities abound in a complex environment.

U.K. Prepaid Market Dynamics, 2017

Javelin Report
Date: January 9, 2018
Author(s): C. Brown
Research Topic(s): Global, Prepaid

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

Impact Note
Date: January 4, 2018
Author(s): Tim Sloane
Research Topic(s): Emerging

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

Impact Note
Date: December 29, 2017
Author(s): Joseph Walent
Research Topic(s): Merchant

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...

Corporate Banking Now Peeking Through the Blockchain Window

The steep early learning curve is past, and use cases for real products and services are appearing on the market.

Understanding Fee-Based Premium Reward Cardholders

Javelin Report
Date: December 20, 2017
Author(s): Michael Moeser
Research Topic(s): Tech & Infrastructure

In the early ages of the credit card industry, it was common for cardholders to pay a nominal annual fee as part of owning a credit card, similar to a membership fee. The annual fee was typically low and generally applied across all types of car...