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
In Search of a Profit: 2020 Credit Card Return on Assets Slipped During COVID but Remain Strong
With revenue streams coming from fees, interchange, and interest, credit cards generate returns significantly higher than retail banking when measured by return on assets (ROA). In 2020, credit card issuers returned a 2.40% ROA, significantly be...
Acquirer Market Spotlight: Sports and E-sports Betting
Rapid growth in sports betting is gaining attention not only from investors and regulators but in the world of banking and fintech too. Even though the regulatory environment is friendlier, there are still risks in servicing this nascent industr...
International Prepaid Market Developments and Growth Trends
New Mercator Advisory Group report explores opportunities and trajectories within the global prepaid market as e-commerce and demand for alternatives to cash rises.
Regulatory Mandate or Not, Corporate Open Banking is Here
Technology advances and market demand are creating an open banking environment that supersedes regulations.
U.S. Vendor Comparison of Consumer Bill Pay Providers: Laying the Foundation for Future Intelligent Use of Payment Data
Fintechs take center stage to improve the bill pay experience for all. Mercator Advisory Group releases new research that reviews fintech firms providing modern bill pay services to financial institutions and considers companies offering direct...
The Influence of BNPL on Debit Cards and Account-to-Account Transfers
Buy Now, Pay Later (BNPL) payment plans are an extension of credit to consumers provided at the point of sale, often at no cost to the consumer. The option for free loans has fed the rapid adoption of BNPL, influencing the product plans for cred...
Payments Hub Market and Vendor Solutions Overview: Technology Advances Offer a New Perspective
A new Mercator Advisory Group research report reviews developments in the payments hub space as technology advances, new payments methods begin to proliferate, and cloud delivery methods expand.
Buy Now, Pay Later: Sales or Cost Driver?
A confluence of factors in our COVID economy have come together to make Buy Now, Pay Later (BNPL) installment options attractive for consumers. Merchants, of course, are drawn to anything that resonates with shoppers and has the potential to pro...
2021 Mid-Year Credit Card Health Checkup: Strong Performance but Watch Headwinds
At the mid-year point of 2021, credit card profits are steady, despite decreases in revolving debt, thanks to recovered loan loss reserves held back from the risk associated with COVID-19. With record-low delinquency rates, and spending on the r...
Co-branded Credit Cards: Reinventing Themselves Post Covid Losses
Network cards less affected by BNPL than private label cards, according to new report by Mercator Advisory Group.