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
Managing the Potential Regulatory Landscape of Prepaid Cards on College Campuses
Prepaid card transaction interchange revenue of reached an estimated $1.5 billion in 2013, and payment players are motivated to avoid regulation that could limit revenue. Javelin examines how issuers and universities offering these prepaid cards...
Investing in Wearables for Financial Services – Why Now?
This report lays out how consumer demand and FI investment in wearables will unfold in three phases, outlines the short- and long-term return on investment (ROI) for wearable investments, and prescribes ways financial services innovators can inv...
Embracing a Digital Future: Three Case Studies in Prepaid Card Distribution
New research from Mercator Advisory Group provides case studies of card mall companies to illustrate best practices for transitioning to digital distribution
Prepaid Card Regulation for College Students: Addressing the Needs of Future Banking Customers
This report examines the controversial regulatory environment for campus prepaid cards and recommends how issuers and universities can best manage potential regulation. This report also analyzes the unique financial needs of today’s college stud...
Credit Card Collection Platforms: Compliance Takes Center Stage
Falling delinquency rates give creditors some relief Providers are consistently improving analytical capabilities, but regulatory compliance often drives technology investment by banks and collection agencies. This Mercator Advisory Group resear...
Big Data and Debit: Now or Later?
More is Better, Except with Big Data Retail banks are finding ways to mine big data efficiently for actionable outcomes
African Payments Markets, 2014
Realizing Africa’s Immense Payments Potential New research from Mercator Advisory Group resetting perceptions on growth of electronic payments in Africa
DDA Underwriting and Account Opening Process: Today and Tomorrow
State-of-the-Art DDA Account Underwriting and Opening Mercator Advisory Group presents research on automation of new checking account application, review, and approval process with smarter, more efficient tools
Virtual Accounts for Commercial Payments
Are virtual accounts the key to capturing higher Accounts Payable spend or an operational deterrent to supplier adoption?
Postal Systems and Payments: A Logical Pairing
Offering payments services is a natural fit for postal systems in both maturing and mature markets.