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
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...
A Strategic Framework for Selecting a Small-Business Digital Banking Platform
Banks face some tough sledding in the decade ahead if they don’t overhaul their business digital banking strategy. Rising non-bank companies are encroaching on the territory of traditional banking and payments services for small businesses, to t...
How to Hit the Digital Banking Sweet Spot for Sole Proprietors
Banks are missing the mark with sole proprietors, gig workers, and freelancers who have particular business banking needs that aren’t being met by the more comprehensive solutions favored by larger businesses. By aiming “tweener” products at the...
Card Networks Are About to Raise Merchant Fees But Not Without Consequences
Mastercard and Visa are set to raise merchant fees on card transactions next month, but businesses, already struggling with tight margins as the pandemic continues, are in no mood to accept the fee increases without a fight. Learn why Mastercard...
Credit Cards and COVID-19: How the Pandemic Transformed the Credit Card Industry
Two years of the coronavirus pandemic have caused tectonic shifts in the credit card industry that will have permanent effects on issuers, card networks, and all other firms involved in the space. Although the pandemic is ongoing, using the anni...
Rise of the Crypto Custodians
As banks, insurers and other wealth managers assess the risks of the crypto market—particularly cybersecurity—they should not be dissuaded from exploring the opportunities. Strategic opportunities include positioning cash management as a springb...