Research

Javelin’s diagnostic analysis of AI-powered consumer-facing chatbots for 11 fintechs, non-bank lenders, and retail banks found that retail FIs consistently fail to provide personalized information and recommendations to prospective borrowers. Th...

Invoicing is one of the most fundamental workflows in running a small business, sitting at the center of getting paid, managing cash flow, and maintaining customer relationships. Yet the landscape remains fragmented and inefficient. Most busines...

Javelin Strategy & Research’s data dives into consumer behavior show that consumers’ usage of and interest in lower-cost payment methods like account-to-account transactions and pay-by-bank remain a small piece of the overall payments picture, a...

Open-loop prepaid programs show resilience and positive growth opportunities across nearly all market verticals. Javelin Strategy & Research continues its annual assessment of open-loop prepaid programs across a range of categories and identifie...

As digital assets gain a stronger foothold in mainstream financial services, use cases are expanding. The tokenization of such things as real estate deeds, vehicle titles, reinsurance, and artwork—now happening in pilot projects—is providing a m...

Agentic commerce is simultaneously everywhere and nowhere, but that’s changing fast. As the technology takes root, various stakeholders are establishing protocols and frameworks that will attempt to manage a fundamental shift in how products and...

The 2025 Commercial Payments Year in Review report distills the headline stories in commercial payments, from stablecoins moving into the mainstream and agentic AI entering network rails to real-time payment growth and the next wave of embedded ...

Enterprise merchants have increasingly adopted payment orchestration strategies to drive new payment types, increase payment success rates, and optimize platform performance. However, each new PSP, network connection, and fraud tool adds complex...

An emerging fintech payment card is a variation of the long-established secured credit card, with a significant twist. Instead of requiring a credit-challenged consumer with a weak or thin credit file to place secured funds in escrow to back the...

Cybercriminals use SMS/text blasters in smishing attacks, sending a wide range of fraudulent messages. By mimicking legitimate cell towers, SMS/text blasters bypass carrier-level protections and deliver messages that appear authentic. Organizati...