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

Payment Networks 2.0: The Battle for Tokenization

Javelin Report
Date: October 27, 2014
Author(s): Tim Sloane
Research Topic(s): Emerging

Research Defines the Many Paths Now Available to Payments Providers Based on Implementation of TokensMercator Advisory Group offers implementation details of tokenization and insight into how tokens will impact the future payments landscape

Fixing CNP Fraud: Solutions for a Pre- and Post-EMV U.S. Market

Javelin Report
Date: October 23, 2014
Author(s): Nick Holland, Test Test
Research Topic(s): Fraud & Security, Fraud Management, Tech & Infrastructure

Javelin has forecasted what a post-EMV U.S. market will comprise. CNP fraud will unquestionably be a major concern for banks, issuers, and merchants. The solutions they deploy will need to prevent fraud while at the same time limiting friction d...

Mobile Wallets 2014: How Apple Pay Changes Everything

Advisory Webinar: Client Login Required
Date: October 21, 2014
Research Topic(s): Mobile & Online Banking, Tech & Infrastructure

Apple Pay. PayPal. MCX CurrentC. Google Wallet. MasterCard MasterPass. Softcard. And the list goes on. Which wallet will win over the consumer over the coming years?

Global Digital Currency Regulations: Divergent Paths

Javelin Report
Date: October 20, 2014
Author(s): Tristan Hugo-Webb
Research Topic(s): Global

Surveying Digital Currency Regulations Around the World New research from Mercator Advisory Group reviews countries’ regulatory policies on digital currency and considers the potential effects on this new payment technology

Deepening Customer Relationships with Wealth Management Banking

Javelin Report
Date: October 15, 2014
Author(s): Ed O'Brien
Research Topic(s): Commercial & Enterprise

Expanded Opportunities in the Wealth Management Banking Market New research from Mercator Advisory Group examines the importance of engaging with wealth management clients to grow long-lasting and profitable banking relationships.

PayPal’s Future: What Separation from eBay Will Mean

Javelin Report
Date: October 14, 2014
Author(s): Nikhil Joseph
Research Topic(s): Emerging, Global

PayPal’s Future Growth Will Derive from In-Store and Mobile Payments New research from Mercator Advisory Group reviews PayPal’s opportunities post eBay

How to Deliver the 3 Cs of Digital Banking: Convenience, Control, and Confidence

Complimentary Webinar
Date: October 13, 2014
Author(s): Mark Schwanhausser
Research Topic(s): Mobile & Online Banking, Tech & Infrastructure, Digital Strategy & Experience

Can bankers and consumers both have it all? Bankers crave tighter, more profitable relationships with their highest-value customers. Those consumers are increasingly demanding “view + do” digital banking capabilities -- anytime, anywhere, any ch...

Merchant-Funded Rewards: Issuers Regroup After Disappointment

Javelin Report
Date: October 10, 2014
Author(s): Michael Misasi
Research Topic(s): Credit, Debit

Opportunity Awaits Participants in Emerging Merchant-Funded Rewards Industry Research from Mercator Advisory Group discusses how card issuers can capture the potential of merchant-funded rewards

Company Snapshot: Jumio

Impact Note
Date: October 8, 2014
Author(s): Ronald Mazursky
Research Topic(s): Debit

Jumio’s credential scanning and authentication technology reduces ID fraud and mobile payment friction

Decoupled Debit: A Product Whose Time Has Come (Again)

Impact Note
Date: October 8, 2014
Author(s): Ronald Mazursky
Research Topic(s): Debit

Enthusiasm for decoupled debit cards ebbs and flows, but the value proposition persists

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