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
Square’s Deal for Afterpay Accelerates the Threat of BNPL
Square’s move to acquire Afterpay for $29 billion dramatically alters the futures of the two companies as well as the BNPL industry and its competitors. Square is gaining a payment option that bolsters its seller and Cash App businesses, while A...
Open Banking Goes Worldwide: U.S. Inroads are Keeping Pace with Global Efforts
New report from Mercator Advisory Group evaluates the worldwide expansion of open banking initiatives, reviewing approaches taken by each country including the API standards they embrace. Some countries have focused on payments, others on data e...
Necessity as the Mother of Invention: Prepaid Cards Find New Use Cases in the COVID-19 Pandemic
The COVID-19 pandemic radically changed the way that people shopped and paid for purchases. Under these new circumstances, the U.S. prepaid market experienced significant innovation and developed new use cases for its products. As vaccines have ...
2021 Annual U.S. Debit Card Market Data Review: Unprecedented Double-Digit Growth
Mercator Advisory Group releases new research tracking the strong debit card volume growth and provides a near-term forecast for the U.S. market.
Commercial Credit Cards: International Markets Review and Forecast, 2020-2025; COVID Bounce Back Not Expected Until 2023
A new Mercator Advisory Group research report reviews developments and spending estimates for commercial credit cards in markets outside of North America, where business travel downturns will delay full spending recovery until 2023-24.
Lifestyle Commerce Drives Expanding Mobile Sales Channel For Merchants
A new Mercator Advisory Group research report assesses how mobile shopping amplifies the customer experience.
A Lesson for the U.S: How EU Open Banking APIs Have Stabilized to Support Alternative Networks
Mercator Advisory Group evaluates the difficulties of standing up production level API platforms, identifies key workarounds that were needed to establish alternative payment network solutions, and provides six snapshots of these alternative pay...
Will The Fed Clarify Regulation II to Enforce Utilization of Two Unaffiliated Networks? Mercator Sees it as Likely
On May 7, 2021 the Federal Reserve Board of Governors issued a Notice of Proposed Rulemaking to amend Regulation II which, if enacted, will require all financial institutions to ensure that card-not-present transactions can be successfully route...
Modernizing Regulatory Oversight of New Technology – Fast Enough to Manage Risks?
Regulators traditionally manage the guardrails of payments, but recent trends move them up to the frontline to safeguard new payment programs that foster innovation, help spawn local investments, and speed up the time it takes to bring financial...
Corporate Banking: Modernize or Risk Disenfranchisement
To satisfy shifting customer expectations and drive revenue in a rapidly changing industry, corporate banks need to modernize by offering new services and embracing the latest technologies. Their success or failure depends on it.