As small and micro businesses continue to grow in the U.S., online banking platforms are becoming integral to how they conduct their business day after day. In this report, Javelin examines how...
With chargebacks, merchants find themselves caught between the proverbial rock and a hard place. On one side, merchants are beset by fraud, arising from either deliberate attacks by identity thieves...
As small and micro businesses continue to grow within the U.S. economy, how they pay their suppliers and how they receive payments from their customers continues to evolve. While traditional paper...
As connected devices continue to proliferate, digital commerce is rapidly growing. In 2014, American consumers spent $378 billion through PCs and mobile devices, up from $352 billion in 2013. This...
With less than a month to go before the EMV liability shift takes place in the U.S., the payment industry is still far from ready for the transition, both in terms of the mechanics of the card and...
With the adoption of NFC by Apple and Android devices and the transformation of the POS landscape resulting from the shift to EMV chip cards, it is forecast that the mobile proximity payment market...
EVERYTHING NOW:  CONSUMER DEMANDS FOR IMMEDIACY One of the most apparent consumer trends today is the shift in expectations around immediacy. As content such as movies, music, and games...
The rapid adoption of new technologies that allow us to stay more socially connected, while being able to manage our financial decisions on the go, continues to fuel the growth and evolution of the...
Fraud remains a serious danger in the U.S., but transactions wrongly declined due to suspected fraud — known as a “false positive” — may represent just as big a threat. Javelin estimates that 15% of...
Providing a valued product and positive customer experience are not the only considerations for merchants looking after their bottom line. While merchants may not have gone into business to become...

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