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
Order-to-Pay Solutions: Industry Partnerships Likely to Boost Adoption
Solution Providers Partnering to Pair Electronic Invoicing and Payments for End-to-End Process Automation Mercator Advisory Group examines the benefits of and barriers to full order-to-pay automation for enterprises
Payment Gateways Unlock Global E-Commerce Opportunities
E-commerce Boom Fuels Online Payments Innovation Payment gateway providers enabling worldwide e-commerce from every type of mobile device
Company Snapshot: Dwolla
Dwolla’s network infrastructure is likely to disrupt fee structures for both P2P and small business B2B transactions
Dilemma for Visa and MasterCard in Russia: Whether to Stay or Go
Large new fees could make operating difficult, but the Russian market still beckons
Prepaid Cards and Mobile Payment Readers Change the POS Payment Stream through 2018
The retail point of sale (POS) market is rapidly changing as cash and check are increasingly losing favor with consumers and merchants and are quickly being replaced by plastic cards and alternative payments
Credit Interchange Under Pressure from Industry Trends
Possible changes to the credit-issuing business
Cardholder Account Controls via Mobile Devices
New Mobile Tools for Consumers to Fight Card Fraud on Debit Cards Using self-service transaction authorization apps is as easy as changing channels with a remote control
State of the Commercial Card Market, 2014
Commercial card issuers are transforming themselves from issuers of plastic to providers of virtual account numbers, mobile applications, chip technology and comprehensive reporting systems. This is the state of the commercial card market today.
Unbanked and Underbanked Consumers in South America: A Market for E-Payments
Electronic Payments a Pathway to Financial Inclusion of South America’s Unbanked and Underbanked Populations Much potential for growth of mobile and prepaid payments in developing economies of South America
Empowering Underbanked Consumers in the Mobile Era: Identifying Bank Needs and Ranking Top Prepaid Providers
This report examines the financial behaviors and habits of underbanked and unbanked consumers---highly mobile, younger group of consumers-- and identifies recommendations for best practices to reach this consumer segment.