Matthew Gaughan

Analyst, Payments

Matt is an Analyst in Javelin’s payments practice. As part of the tech and infrastructure team, his research focuses on networks, issuing and acquiring financial institutions, processors, and payments technology companies. Matt’s analysis helps provide clients with strategic frameworks to modernize their technology and develop products and features.

Prior to joining Javelin, Matt was an analyst at Insider Intelligence. His responsibilities included researching and writing reports, newsletters, and other content related to the banking industry. Matt earned a Bachelor of Science in Business Administration degree in Finance from Seton Hall University. 

Latest Insights

May, 2026
Javelin Report
Agentic AI and the Rise of Forward Deployed Employees in Financial Services

Frontier AI partnerships are rapidly reshaping how financial institutions operate, from embedded engineers influencing product strategy to agentic systems driving critical workflow...

April, 2026
Javelin Report
Monetizing the API: Banks Are Increasingly Generating Funds from Tech

Banks’ payment API strategies have matured from cautious experimentation to core growth and defensive plays. Moving beyond insecure screen scraping, banks now monetize proprietary ...

March, 2026
Data Snapshot
Impact of Loyalty Programs on Generational Spending and Participation

Consumer spending habits and rewards program adoption are largely shaped by shopping frequency and generational tendencies, with age influencing large swings. Retailers can target ...

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