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
Reports
Driving consumer choice and optimization of ACH payments through open banking and multi-rail
This panel will explore consumers' rising demand for choice in the payment space and how that desire for flexibility will increasingly impact the way they adopt technology to pay and get paid.
Redefining “Community”: How Small Banks and Credit Unions Can Compete and Thrive in Business Banking
Making gains in business banking is a daunting proposition for community banks and credit unions. The 25 biggest banks in the United States account for 84% of primary banking relationships with small businesses. However, as this Javelin Strategy...
Cryptocurrency and the Digital Advice Opportunity
The investment landscape is changing. Nearly half of advised investors also have self-directed accounts, and a good number of those investors are investing in cryptocurrency. Further, they’re often using third-party retail brokers and crypto exc...
Banks, Credit Unions, & Crypto
Join experts from CryptoFi, Finastra, Chainalysis, Javelin Strategy & Research, and Strategic Resource Management, Inc. as they discuss the opportunity, strategy, and use cases that digital ledger technology (DLT) and digital assets like cryptoc...
Buy Now, Pay Later’s Suddenly Uncertain Future
Buy-now, pay-later (BNPL) products—largely pioneered by fintechs—have proved enormously popular with consumers and have drawn the interest of credit card networks and traditional financial institutions that want to get in on those payments. But ...
Upping the Ante: Deconstructing the BlackRock and Coinbase Integration
BlackRock and Coinbase are partnering to offer bitcoin, which will give institutional investors access to crypto. This puts them at the forefront of institutional adoption and in competition with Fidelity Digital Assets, which has built its cryp...
Crypto Retirement Solutions for Self-Directed Investors
Cryptocurrency investment has emerged as a tax-deferred retirement solution, which solves a problem for crypto investors also looking at a long-term investment horizon that expects capital gains. As younger investors—those between the ages of 21...
Differing Models Continue to Define P2P Payments
The funding mechanism consumers use for their person-to-person (P2P) transactions will determine the financial relationship P2P platforms can build with their users. P2P operators must figure out how to make the unprofitable yet popular industry...
Apple Wants to be a Payments Power Like Block and Stripe
Apple’s acquisition of Credit Kudos—along with a report that it’s preparing to move into processing, risk assessment, dispute resolution, and more—signals a coming move into payments. The tech giant’s built-in advantages will make it a formidabl...
M&A Transactions in 2021 & 2022: The 40+ Deals That Are Changing the Payments Industry
The “megadeals” of 2019 got the attention in the payments industry, but it’s a host of other transactions in 2021 and early 2022—more than 40 in total—that have the potential to push industry giants into new segments and bolster technological ca...