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

Company Snapshot: Bora Payment Systems

Impact Note
Date: May 23, 2014
Author(s): Amy Hoke
Research Topic(s): Commercial & Enterprise

Striving for the better B2B virtual card payment

Foreign Exchange via Mobile

Javelin Report
Date: May 20, 2014
Author(s): Pradeep Moudgal
Research Topic(s): Commercial & Enterprise, Emerging

FX mobility solutions to improve cash management for businesses and high-net-worth individuals. Small and medium-sized businesses increasingly need quick and convenient solutions to manage currency risk.

Retail Gift Card Trends in the United States: 2013 in Review

Javelin Report
Date: May 19, 2014
Author(s): Ben Jackson
Research Topic(s): Prepaid

U.S. retail gift card loads fell in 2013 for the first time in 10 years, but loads on virtual cards began to grow.

2014 Retail Point of Sale Payment Forecast: The Mobile Payment Square-Effect and Prepaid Card Popularity Drive Cash Down by 10%

Javelin Report
Date: May 16, 2014
Author(s): Nick Holland, Aleia Van Dyke
Research Topic(s): Tech & Infrastructure

This report evaluates the actual and forecast changes in the retail POS market, tracking payments mix data from 2012 through the forecast year of 2019 and identifying key drivers of market change.

Profiling the South American ATM Landscape

Javelin Report
Date: May 14, 2014
Author(s): Tristan Hugo-Webb
Research Topic(s): Global

South American ATM market holds great potential. The ATM channel remains the most effective means of providing financial services to consumers in remote locations.

Microsoft’s Acquisition of Nokia: A Strategy for Mobility

Impact Note
Date: May 12, 2014
Author(s): Pradeep Moudgal
Research Topic(s): Emerging

Will there be a viable third mobile operating system?

Instant Issuance of Debit Cards: The Newest Best Practice

Javelin Report
Date: May 6, 2014
Author(s): Ronald Mazursky
Research Topic(s): Debit

Instant Issuance in the Branch Becoming Essential for Debit Card Issuers

The State of EMV: Fact or Fiction

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Date: May 6, 2014
Author(s): Aleia Van Dyke
Research Topic(s): Tech & Infrastructure, Fraud Management

The U.S. EMV roadmap has existed since 2012, providing the payments industry with plenty of time to prepare for the transition from magnetic stripe cards to smart cards.

EMV in USA: Assessment of Merchant and Card Issuer Readiness

Javelin Report
Date: April 30, 2014
Author(s): Nick Holland, Aleia Van Dyke
Research Topic(s): Fraud Management, Tech & Infrastructure, Fraud & Security

The U.S. roadmap for the deployment of chip card has existed since 2012, providing the payment industry with plenty of time to prepare for the transition from magnetic-stripe cards to smart cards. Yet collectively, the industry has been slow to ...

Enabling Host Card Emulation for Mobile Payments via the Cloud

Javelin Report
Date: April 30, 2014
Author(s): Pradeep Moudgal
Research Topic(s): Emerging

New Technology Will Enable Financial Institutions to Provision Mobile Payments

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