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


Payments Hubs: Renaissance in 2018

Financial services industry change is driving renewed interest in payments hub solutions.

Winning the Underbanked: The Long-Term Opportunity in Short-Term Lending

Payday loans play a vital role in the lives of many consumers who don’t have the cash reserves to cover an emergency expense. They are especially popular with underbanked consumers. However, they are expensive with APRs ranging from 300-750% and...

Innovative Payment Technology Prospects: FinovateSpring 2018

  • Javelin Report
  • Date: June 5, 2018
  • Author(s): Rachel Huber, Michael Moeser
  • Research Topic(s): Tech & Infrastructure
Analysts from Javelin’s Payments practice recently attended FinovateSpring 2018. Of the firms presenting, Javelin identified four innovative companies, highlighted in the report in alphabetical order, that we felt our clients should be aware of ...

Private Label Credit Cards: A Market, Not Just a Niche

Private label credit cards: 300 million cards and counting Mercator Advisory Group releases a new research report defining the co-brand and private label credit card markets in the U.S.

Goldman Sachs Credit Cards: A Golden Opportunity

Credit card market entry is just one piece of the strategy as the $974 billion asset investment bank enters U.S. retail banking. Goldman Sachs is positioned for a 2019 entry into the credit card market.

Payment Account Reference: Finding the Cardholder Account in a Sea of Tokens

  • Impact Note
  • Date: May 22, 2018
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit
Now more than ever, card account numbers are tokenized to secure payment transactions. With some cards receiving multiple tokens, sorting out which token belongs to which account is getting more difficult, which is making loyalty programs and cu...

Technologies Influencing Generation Z Payments Adoption

  • Javelin Report
  • Date: May 22, 2018
  • Author(s): Michael Moeser, Rachel Huber
  • Research Topic(s): Tech & Infrastructure
This report examines how Gen Z approaches technology and the generation’s impact on banking and retail commerce. It provides insight into Gen Z consumers’ expectations for how companies should seek to serve them and meet their needs.

First Data Pilots a Token Service Provider Solution

  • Impact Note
  • Date: May 17, 2018
  • Author(s): Tim Sloane
  • Research Topic(s): Emerging, Merchant
Becoming a TSP is not a role many can execute successfully, but First Data Corporation may be one of the few that can pull it off.

Asian Mobile Payment Apps as a Way of Life: A Look at Alipay, Paytm, and WeChat Pay

  • Javelin Report
  • Date: May 16, 2018
  • Author(s): Sarah Grotta
  • Research Topic(s): Debit, Global, Merchant
Robust Asian mobile payment apps drive life-style commerce.

ATM as Branch: The Potential of ATM-Based Self-Service as a Substitute for Branches

  • Impact Note
  • Date: May 14, 2018
  • Author(s): Ken Paterson
  • Research Topic(s): Merchant
Electronic channels compete to serve customers as banks rationalize their branches

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