Javelin Research

The United States is home to more immigrants than any other country in the world, and Javelin estimates that remittance providers could potentially collect upwards of $2.12 billion in fees from outbound cross-border transfers. But increasing...
Virtual currency has evolved far past its humble beginnings as an in-game currency. The more than 47 million adult virtual currency users purchased $4.65 billion worth of virtual currency in 2012, and spend on virtual currencies is expected to more...
The fact that 88.5 million Americans attempted to open an account online or with a mobile device in the past 12 months underscores how far digital account opening has come in a few short years. Nonetheless, its potential remains largely untapped,...
In 2012, online retail payments reached 7.4% ($318 billion) of all retail transactions. The thriving online market is an increasing target for fraudsters, particularly with EMV, or “Chip and PIN,” expected to significantly curtail card fraud at the...
Mobile bankers are valuable customers: rich, young, and flush with profitable bank products and services. The products and services are saving financial institutions money — as the number of mobile bankers has grown, branch visitation has decreased...
Contemporary research on the financial impact of data breach events has focused on costs to businesses and institutions, but largely ignored their effect on the consumers whose personally identifiable information (PII) is compromised. This report...
The dynamics of the card-issuing business — and, in turn, those of the banking industry — have changed dramatically in recent years as an array of economic, regulatory, and governmental factors and initiatives have combined to drive expansion in the...
As smartphones and tablets become increasingly cost-effective and powerful, mobile POS (point of sale) acceptance is posing a growing threat to traditional terminal-based solutions and vendors. Mobile POS provides all the existing functionality of a...
At 92.6% of total U.S. retail dollar volume, the point of sale (POS) retail market towers above the online market and will continue to do so for years to come. But the growing popularity of the digital realm has fundamentally altered the nature of...
In 2012, account takeover and new-account fraud each rose by approximately 50% over the previous year. These two fraud types impact consumers most severely, and they are historically more difficult for FIs to prevent and detect than any other major...

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