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
Government Issued Prepaid Cards: Efficient Cash Access and Distribution
Prepaid cards played a significant role in distributing CARES Act funds to 3.6 million Americans, but the payment form extends deep into many government benefit programs.
Regulatory Two-Step: Changes at CFPB Will Reflect the New Administration
The Consumer Financial Protection Bureau (CFPB) achieved many wins on behalf of the American public in eight years, but Pres. Obama’s and Pres. Trump's political inclinations influenced enforcement strategies. Under President Biden, expect the C...
Subscription Economy Accelerates as Stay-At-Home Lifestyle Spurs Demand
Stay-at-home lifestyle drives online subscriptions market surge. A Mercator Advisory Group research report assesses key subscriptions segments and future growth opportunities for payments providers and software developers.
Credit Card Account Forbearance: Not Forgiveness and Not Forever
Payment holidays helped consumers get through unexpected credit risk during the pandemic, but before long it will be time to pay the piper. Suppressed delinquency volume makes risk appear under control, but the day of reckoning will soon be at h...
Debit Card Trends in the Asia-Pacific Region
Mercator Advisory Group Releases New Research, Debit Card Trends in the Asia-Pacific Region Mercator Advisory Group releases a new research report that examines how financial inclusion, payment legacy, COVID-19, the regulatory environment and o...
Get Paid First: Delinquency and the Financially Distressed
This report will provide insight as to which consumers are struggling to pay, identify payment preferences, and outline progressive collection strategies that will make the consumer want to pay back the loan before paying other debt
Cryptocurrency Landscape Overview
After the initial hype, and the inevitable slump, cryptocurrencies are once again gaining mainstream attention.
2021 Outlook: Merchant Services
Online Is King and Digital Ways Reign
2021 Outlook: Credit
Thanks to adequate government support, delinquency metrics remain strong, with plenty of loss reserves in bank coffers. The first half of 2021 is a critical time for regulators to position consumers and lenders for a successful recovery.
17th Annual U.S. Open Loop Prepaid Cards Market Forecast 2020-2024, Part Two
COVID-19 impact reveals disparate effect on different prepaid segments. Mercator Advisory Group’s 17th annual prepaid market forecast clocks some big hits — and some growth.