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

Cross-Border B2B Payments: Continuous Improvement Underway

No other global payments innovation effort has garnered as much recent attention as cross-border payments, where improved user experiences have been a focal point for the financial services industry. While the early concern was around greater ac...

Datonomy Partnership: Toward a New, Unified Taxonomy for Digital Assets

With financial institutions entering the digital asset and crypto space, a real need has grown for a standard taxonomy that banks, asset managers, financial advisors, and others can refer to when dealing with this developing asset class. Goldman...

2023 Cryptocurrency Trends & Predictions

Javelin identifies the key digital trends, emerging opportunities, and risks in cryptocurrency for 2023 and beyond.

2023 Outlook: Commercial and Enterprise Payments

Mercator Advisory Group provides an early view into the success metrics that will drive commercial and enterprise payments as we move into 2023 and beyond. With the potential of a global recession, expect risk management to play a crucial role i...

2023 Outlook: Credit

  • Impact Note
  • Date: November 16, 2022
  • Author(s): Brian Riley
  • Research Topic(s): Credit
The perfect credit storm is brewing. Interest rates are up, and stocks are down. Inflation is surging, and savings rates are falling. Consumers and lenders are less confident, and a geopolitical issue in Ukraine is almost one year old. As credit...

2023 Outlook: Debit and Alternative Products

  • Impact Note
  • Date: November 16, 2022
  • Author(s): Brian Riley
  • Research Topic(s): Debit
Debit card issuers will need to navigate a recession caused by excess demand. Potential regulations that affect credit will bring volume to debit as the value proposition shifts. New products will push the United States closer to open banking an...

2023 Outlook: Emerging Technologies

For more than a decade, fintech startups and products have captured outsized attention and investment. In many ways, these companies have set the agenda for driving consumer expectations for financial services. In 2023, the times they are a-chan...

2023 Outlook: Merchant Services

  • Impact Note
  • Date: November 16, 2022
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
2023 is set to bring new concerns about credit card fee structures and economic turmoil, while the way merchants accept in-store payments is changing, making for what will be a tumultuous year in payments and merchant services. This past year wa...

2023 Outlook: Prepaid

In this viewpoint, Mercator presents the results of 2022 forecasts, the state of the prepaid card market, and projections for 2023. The prepaid market continues to be a fast-growing payment segment with the unique ability to experience resilienc...

2023 Payments Trends & Predictions

  • Javelin Report
  • Date: November 16, 2022
  • Author(s): Marco Salazar
  • Research Topic(s): Tech & Infrastructure
The annual payment trends report will highlight the top three business drivers for change in 2023.

Talk to our payments experts