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
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...
Company Snapshot: PayPerks, Inc.
PayPerks Inc. uses sweepstakes-like tools to encourage prepaid card holders to complete financial education modules online or via mobile phone and to complete tasks like cardholder registration or opening savings accounts. Cardholders get the ch...
10 Reasons To Be Skeptical That Blockchain Will Disrupt Financial Services Any Time Soon
Blockchain hype has financial institutions scrambling to get involved. But Mercator Advisory Group’s list of the top 10 blockchain realities suggests that resources should be invested elsewhere.
2016 Closed-Loop Gift Card Holiday Forecast: Ready for Santa
Gift cards are competitive with discounts as a promotional strategy New research from Mercator Advisory Group forecasts growth for gift card loads in the 2016 holiday season.
Keeping on Track at AFP 2016
Payments continues to be a major theme for financial professionals, along with a looming fraud threat.
The CFPB Final Prepaid Rule Is Here: What Now? Start with Disclosures and Marketing
What companies need to do to make sure they are in compliance with the newly released CFPB Final Prepaid Rule New research from Mercator Advisory Group discusses what prepaid program managers need to do now that the final version of the prepaid...
Is Zelle the De Facto P2P Solution in the U.S.?
Early Warning’s person-to-person platform, rebranded as Zelle, is gathering attention and customers.