Payments Research

Understand what shapes consumer transactions

Technology, social media and demographics factor directly into people’s decisions about where to shop and how to pay bills. To grasp their effects and project their future influence, Javelin’s analysts monitor and offer insights on:

Stripe’s OpenChannel Acquisition Facilitates Distribution of Services

Impact Note
Date: December 17, 2021
Author(s): Marco Salazar
Research Topic(s): Payments
Stripe’s series of high-profile acquisitions in 2021—the latest of which, OpenChannel, was announced in December—signal a shift toward operational areas adjacent to and complementary to Stripe’s well-known function as a payment processor. The...

Card Network-Merchant Conflicts Over Fees Are Set to Pick Up in 2022

Impact Note
Date: December 16, 2021
Author(s): Daniel Keyes
Research Topic(s): Payments
Concerns about card networks’ merchant fees are about to be reignited by Amazon’s upcoming ban of Visa credit cards issued in the UK. The e-commerce titan has taken issue with Visa’s merchant fees—just like many merchants have had problems with all...

Payment Hubs Give Way to Modular Delivery Model

Javelin Report
Date: December 6, 2021
Author(s): Marco Salazar
Research Topic(s): Payments
The modular delivery of services in the payments allows rapid deployment of new wrinkles that offer consumers tailored, highly engaging experiences. This report looks at that modular delivery model and explores strategies to help payments companies...
Real-time payments, which transfer funds almost instantaneously, are opening new opportunities for FIs to provide consumers with greater financial control and confidence. These are pivotal times, and FIs are squandering their advantages over...

2022 Payments Trends & Predictions

Javelin Report
Date: November 15, 2021
Author(s): Marco Salazar
Research Topic(s): Payments, 2022 Trends & Predictions
The COVID-19 pandemic brought sweeping changes to the ways consumers make payments. If anything, 2022 could see even more dramatic shifts in payment trends, particularly in terms of regulation, how card networks position themselves technologically,...
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