Payments Practice Area

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:

This report examines the business model of card issuers, specifically the difference between the prime/super-prime and subprime businesses, and how they are coming under an increasing level of pressure. It also reviews why secured and other starter...
This report first describes the differences between fast, faster, and real-time payments being proposed or currently available.
This report examines the remaining opportunities for prepaid card issuers, as well as the final rules and their impact on issuers and companies that are considering entering the market.  Unless otherwise stated, this report uses the term...
Bitcoin and its fellow cryptocurrencies, with their decentralized nature and the inherent cost advantages of their underlying blockchain technology, are being heralded as potential solutions in serving this community (often typified as migrant...
This report examines the domestic U.S. P2P market and, briefly, the A2A (account to account, or “me to me”) market. It focuses on how the market is evolving, user channel preferences, key uses of P2P, desired new features, and differences in use...
Javelin’s latest Future Trends report is making a notable departure from previous editions. We want our clients to be alerted to upcoming trends over a longer time horizon to be better prepared to address these challenges and opportunities. The...

The Rise In The Internet Of Payments

Whitepaper
December 12, 2016 By: Michael Moeser
The growth of connected devices, better known today as the Internet of Things (IoT), is accelerating at an unbelievable rate. By 2020 there will be more than 50 billion connected devices (6.6 per person on the planet), up from just under 23 billion...
The traditional card networks have long dominated modern commerce, providing a safe and hassle-free shopping experience. They have blazed the trail for payment acceptance in new channels (online and mobile), new geographies (Europe, Asia), and even...
This report examines the Gen Y credit card opportunity, focusing on how issuers can identify those in search of credit and how to incentivize them with rewards in order to adopt and use credit cards.

U.S. EMV Migration One Year Later

Javelin Report
November 3, 2016 By: Michael Moeser
This report looks at how implementation has proceeded for merchants and issuers and the expectations for the next retailer EMV milestone in 2017 – gasoline/fuel stations.  

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