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
Payment Services Directive 2
New rules for the European Union create open account access for bank and payment innovators.
Reeling in Millennials with Credit Card Rewards
Join Javelin as we explore how issuers can identify those in search of credit and how to incentivize them with rewards in order to adopt and use credit cards.
Small Business Debit: Hiding in Plain Sight
Small business debit usage is strong (but could be stronger). Data from Mercator Advisory Group’s 2016 small business survey provides metrics on this critical method of payment.
Brexit’s Impact on Commercial Payments
Interesting choices and consequences abound.
Credit Scoring as a Competitive Differentiator
Alternative models of credit scoring: new options, new risksMercator Advisory Group’s new research report examines innovations in credit scoring and alternative lending.
Do Millennials Really Care About Credit Card Rewards?
This report examines the Gen Y credit card opportunity, focusing on how issuers can identify those in search of credit and how to incentivize them with rewards in order to adopt and use credit cards.
The New Prepaid Rule Will Affect Checking Accounts
The CFPB’s final prepaid rule has increased operational complexities for prepaid cards. At the same time, its refusal to define prepaid products by account structure means that checkless checking providers will need to be careful with their mark...
Card-Not-Present Fraud: The Merchant Empire Strikes Back
U.S. merchants are striking back against card-not-present fraud in online transaction. New Mercator Advisory Group research finds U.S. online merchants partnering with tech developers to fight rising card-not-present fraud.
The Growing Importance of Healthcare Accounts
Use of healthcare accounts in the U.S. is booming as healthcare costs rise New Mercator Advisory Group research explores the growth of healthcare accounts as U.S. consumers seek to bridge the gap between expenses and what health insurance covers...