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

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 ...

February, 2026
Javelin Report
How Banks and Fintechs Are Jostling for Position in the New Data Access Economy

Financial data aggregators are losing ground as connectivity becomes a commodity and banks reassert control. The real battleground now lies in who can turn permissioned data into s...

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