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


U.S., Canada, and U.K. Prepaid Markets: Similarities and Differences

  • Javelin Report
  • Date: September 3, 2019
  • Author(s): C. Brown
  • Research Topic(s): Global, Prepaid
New research compares prepaid debit card markets in U.S., Canada, and the U.K. New research from Mercator Advisory Group compares the market size, taxonomy, and regulatory structure of three desired prepaid debit card markets.

Payments for Work in the U.S. Gig Economy

  • Impact Note
  • Date: August 30, 2019
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit, Prepaid
The gig economy encompasses a growing percentage of the U.S. population and shows no sign of retreating.

Commercial Credit Cards North America, 2017–2023: Growth and Change Continue

Commercial credit card spend in North American the mid-to-large corporate markets heads toward $1 trillion.New research report by Mercator Advisory Group reports that North American commercial credit card spending remains on a strong growth traj...

The Evolution of U.S. Payroll Cards in the 21st Century

  • Javelin Report
  • Date: August 19, 2019
  • Author(s): C. Brown
  • Research Topic(s): Prepaid
Prepaid payroll cards are no longer just for the underbanked and unbanked. New research from Mercator Advisory Group shows that the market for prepaid payroll cards now attracts high-income consumers.

Distributed and Self-Sovereign Identity Solutions: Part 1, Technology Overview

  • Javelin Report
  • Date: August 15, 2019
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging
Distributed ID and self-sovereign identity are years away but impact EMV 3D Secure deployment now. New research report from Mercator Advisory Group recommends that deployment of EMV 3D Secure prepare for the consolidation of authentication and ...

Credit Card Charge-off Collections Takes Brains not Brawn

  • Javelin Report
  • Date: August 14, 2019
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Tightening credit management: third party collections augment bank card issuers’ strategies to control loss Mercator Advisory Group’s New research report explains the importance of third-party collection agents and proposed new regulatory updat...

Receivables Management Is Back on the Radar

Automating receivables management is a natural progression to digitizing corporate cash cycle processes.In new research, Mercator Advisory Group reports an increased recognition that receivables modernization is required as payables become digit...

Credit Cards in Latin America and Caribbean: Financial Inclusion with Risk and Opportunity

Infrastructure, fraud, and risk hinder credit card lending in Latin America and the CaribbeanNew research report by Mercator Advisory Group reviews the credit card market and competition from nonbank fintechs in Latin America and the Caribbean r...

Libra’s Long Reach Impact in Payments

The launch of The Libra Association came about with fanfare and a big misstep. Instead of focusing on the non-profit organization and what a new payment association, or scheme, could mean for the world of payments, the media and regulators are f...

Ready or Not, U.S. Contactless Debit Card Issuance Takes Off

  • Impact Note
  • Date: July 11, 2019
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Several issuers have announced their intentions to issue dual interface cards, ushering in contactless transactions at the point-of sale for debit cardholders. 

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