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
M&A Transactions in 2021 & 2022: The 40+ Deals That Are Changing the Payments Industry
The “megadeals” of 2019 got the attention in the payments industry, but it’s a host of other transactions in 2021 and early 2022—more than 40 in total—that have the potential to push industry giants into new segments and bolster technological ca...
Consumer Payment Choice: Understanding Debit Card User Preferences
New report from Mercator Advisory Group provides an in-depth analysis of consumer preferences for debit transactions across demographics and use cases.
Card Networks Are About to Raise Merchant Fees But Not Without Consequences
Mastercard and Visa are set to raise merchant fees on card transactions next month, but businesses, already struggling with tight margins as the pandemic continues, are in no mood to accept the fee increases without a fight. Learn why Mastercard...
The Cost of Fraud: B2B Payments Experience 10% Increase During the Pandemic
New research from Mercator Advisory Group explores increasingly sophisticated trends in commercial payments fraud and provides fraud prevention strategies.
Quantum Changes Everything: Protect Your Data Now
Adversaries intercept and store encrypted data today for decryption in 5 to 10 years using quantum computers. To gain first-mover advantage, banks need the people and skills that can solve business problems using quantum computing.
Insights from Recent Mercator Study: Commercial Card Users Underscore the Importance of Card Spend Management Tools
In the commercial credit card space, the use cases for spend management software have traditionally been related to travel and expense management, with corporate card programs as the product set to which the solutions integrate. Commercial card ...
Installment Lending: Fintechs Gaining Ground on Loans Forecast at $212 Billion
Banks and credit unions lose scale on loans as fintechs grow. New research from Mercator Advisory Group explores current trends and opportunities in installment lending for fintechs and financial institutions.
Prepaid Cards Break Through Conventional Restrictions and Now Behave Like Traditional Credit and Debit Cards
The prepaid card industry has benefitted from significant technological advances in recent years, which serve to make prepaid offerings more secure, convenient, and appealing to consumers of all types. This viewpoint examines the most widely use...
2022 U.S. Faster Payments Forecast: A Year to Build On
The growth of real-time and faster payments is driving consumer demand. Mercator Advisory Group releases new research that analyses the growth and impact of faster and real-time payments in the U.S.
Credit Cards and COVID-19: How the Pandemic Transformed the Credit Card Industry
Two years of the coronavirus pandemic have caused tectonic shifts in the credit card industry that will have permanent effects on issuers, card networks, and all other firms involved in the space. Although the pandemic is ongoing, using the anni...