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
Have The Alternative Payment Providers Won?
Banks and credit unions are finding innovation difficult in a heavily regulated marketplace.
Turning Off Paper Leads to "Digital Commitment Gap"
Digital banking is a way of life, yet only 2 of 5 bank statements are delivered digitally. Financial institutions and billers have tremendous opportunities to close this “digital commitment gap,” saving over $2.2 billion over the next five years...
Global Interchange Regulation: Pandora’s Box for Commercial Cards?
Regulation could affect the future of commercial card programs Mercator Advisory Group examines recent global regulations regarding payment card interchange and fees and their potential impact on commercial cards
Migrating to EMV: The (Not So) Final Countdown
U.S. migration to EMV slows as the October liability shift looms Updated Mercator Advisory Group projections indicate a slower than expected transition to EMV due to unanticipated complexities
European E-Commerce Alternative Payment Providers Gaining Momentum
Can Alternative Payment Methods Challenge Cards for E-Commerce Transactions? Mercator Advisory Group releases new research examining European landscape of e-commerce alternative payment solutions
Debit Transactions in an EMV World: A Practical Guide
Understanding Debit Transactions Can Reveal Opportunities Mercator Advisory Group research details processing flow of debit transactions and the impact of market changes on payment transaction routing
The Disruptive Potential of Marketplace Lending in the U.S. Consumer Credit Market
Marketplace lending spurs innovations in consumer credit Mercator Advisory Group research finds that success of alternative lending models is attracting attention, forcing banks to respond
Capitalizing on EMV Halo Effect with Cardholders’ Education and Awareness
The milestone of EMV liability shift in October is just around the corner and there remains a significant gulf between cardholders with EMV cards and perhaps more significantly, cardholders that KNOW they have EMV cards. How are banks and credit...
Mobile Imaging: Creating an End-to-End Mobile Banking Experience
It’s time for FIs to consider connecting the dots with an end-to-end mobile banking experience: using imaging for authentication and enrollment, mobile deposit, mobile balance transfers for switching, mobile photo bill payment, mobile funding, p...
Why PayPal Bought Xoom: Emerging Markets Opportunity Too Good to Ignore
A mutually beneficial acquisition: PayPal gains foothold in emerging markets and Xoom gains cheaper ways to acquire customers Mercator Advisory Group’s Emerging Technologies research note offers strategic insights from PayPal’s recently announc...