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


Buy Now Pay Later Lending: The Time to Regulate is Now

The new payment option enjoys significant growth in many markets, but consumers need better protection for fair lending, pricing, and remedies.

e-Commerce Authorization Data: Patching the Patchwork

To spin fraud detection gold from transaction data straw, you need lots of straw.

How Mobile Order and Pay Provides A Lifeline for Restaurants and Retailers during Covid-19

  • Javelin Report
  • Date: November 23, 2020
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
Mobile-Order-and-Pay apps drive sales for U.S. QSRs during COVID-19 restrictions. A Mercator Advisory Group research report assesses success factors of mobile- order-and-pay apps that apply across many retail verticals.

2021 Outlook: Debit and Alternative Products

  • Impact Note
  • Date: November 18, 2020
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
The events following the onset of the global pandemic helped to crystalize consumer attitudes regarding payment habits.

AFP 2020 Virtual Experience: Event Overview

The remote event season continues amidst the pandemic, and technology dominates the discussion.

Capitalizing on Merchant Payments Innovation

This year has prompted changes in how the economy functions—from how transactions are initiated to how requests are fulfilled. In response to these new restrictions and changing consumer habits, merchants have released a wave of innovative ways ...

Merchant Innovation Driving Payment Change

  • Advisory Webinar: Client Login Required
  • Date: November, 2020
  • Author(s): Rachel Huber
  • Research Topic(s): Tech & Infrastructure
This webinar will discuss the implications of merchant innovation for financial institutions and payment service providers and the need for new payment strategies.

2021 Outlook: Commercial and Enterprise Payments

Automation of financial operations is the primary focus.

Future-Proofing Payment Card Strategies

  • Javelin Report
  • Date: October 22, 2020
  • Author(s): Krista Tedder, Rachel Huber
  • Research Topic(s): Tech & Infrastructure
This report is the second in a series covering payment impacts due to the changes in payment behavior. This report focuses on how payment habits affect the total cost of ownership of a card program and what is required for maintaining digital to...

Crowded Payment Gateway Landscape Offers Much To Online Merchants, Part 2: U.S. Market Company Profiles

  • Javelin Report
  • Date: October 21, 2020
  • Author(s): Raymond Pucci
  • Research Topic(s): Merchant
Online Merchants See Vast Choice among Payment Gateway Firms in U.S. Market A Mercator Advisory Group research report specifies the field of U.S. market payment gateways along with a corresponding vendor selection criteria and process.

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