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 how Gen Z approaches technology and the generation’s impact on banking and retail commerce. It provides insight into Gen Z consumers’ expectations for how companies should seek to serve them and meet their needs.
This scorecard report examines independent (not from a bank) mobile apps that can be downloaded from the Apple App Store and Google Play including Zelle, Venmo, Facebook Messenger, Popmoney, and more.

2018 Digital Lending Trends

Javelin Report
March 1, 2018
While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard.  It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative...

2018 Fraud & Security Trends

Javelin Report
February 19, 2018
With every new headline it becomes increasingly obvious that cybercrime is on the rise.  Motivated by the growing use of digital banking and payments, criminals are targeting institutions’ websites, consumers’ digital devices and non-bank...
Development in digital banking and payments services for small businesses has lagged significantly behind consumer and commercial banking, leaving many business owners and operators managing their finances and paying suppliers on platforms that are...

2018 Payments Trends

Javelin Report
February 7, 2018
Over the past few years the payments landscape has experienced evolutionary change in an effort to adapt to growing demands from consumers, businesses, technology, and regulators. As we kick off 2018, Javelin’s Payments team has identified three key...

2018 Digital Banking Trends

Javelin Report
February 1, 2018
The financial services market is undergoing significant change to adapt to consumers’ mobile-first expectations. Much immediate effort in 2018 will focus on rolling out the Zelle person-to-person (P2P) network that some envision as the backbone of...

Understanding Fee-Based Premium Reward Cardholders

Javelin Report
December 20, 2017
In the early ages of the credit card industry, it was common for cardholders to pay a nominal annual fee as part of owning a credit card, similar to a membership fee. The annual fee was typically low and generally applied across all types of cards....

2017 P2P Market Sizing: Moving Into High Gear

Javelin Report
December 13, 2017
This report covers how the P2P payment market is evolving from one dominated by wire and money service branches to a digital one where mobile and online channels are the fastest-growing channels. It also covers how partnerships are fueling the...

2017–2021 Retail Point of Sale Payment Forecast

Javelin Report
November 27, 2017
The new “normal,” or constant, in the retail point-of-sale (POS) environment is that change is now part of everyday life for the physical store retailers and the financial institutions that serve them. The blurring divide between physical and...

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