Payments Research

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

Payment Hubs Give Way to Modular Delivery Model

The modular delivery of services in the payments allows rapid deployment of new wrinkles that offer consumers tailored, highly engaging experiences. This report looks at that modular delivery model and explores strategies to help payments compan...

Digital Strategies to Empower Small Businesses Against Fraud

In this report, a companion piece to Three Priorities for Countering Fraud Against Small Businesses, Javelin outlines why small businesses are uniquely susceptible to fraudulent activity, and provides a detailed framework for how banks can deput...

Real-Time Payments: An Urgent Priority for Financial institutions

Real-time payments, which transfer funds almost instantaneously, are opening new opportunities for FIs to provide consumers with greater financial control and confidence. These are pivotal times, and FIs are squandering their advantages over no...

2022 Small-Business Digital Banking & Payments Trends & Predictions

The banks that succeed over the next decade and remain relevant against increasing nonbank competition are the ones that will build a personalized, omnichannel experience that helps solve the most pressing issues for small-business clients: gett...

2022 Payments Trends & Predictions

The COVID-19 pandemic brought sweeping changes to the ways consumers make payments. If anything, 2022 could see even more dramatic shifts in payment trends, particularly in terms of regulation, how card networks position themselves technological...

Gen Z’s Payments Journey Begins

Gen Z is on the brink of becoming a major segment of paying consumers, making it high time for all types of payments firms to develop strategies to target the age group. But the generation will not simply follow in the footsteps of older generat...

What We Can Learn From PayPal’s Abandoned Bid for Pinterest

PayPal may have nixed potential plans to acquire Pinterest, but there’s still much to learn by examining why PayPal was interested in shelling out $45 billion for the social media platform. The payments titan saw the opportunity to build out its...

Building Sustainable Engagement in Business Digital Banking

Join Ian Benton, Sr. Analyst for Small Business Banking and Payments at Javelin as he discusses how banks can move small-business customers beyond simple transactions and monitoring to an experience that is central to the financial success of th...

Building Sustainable Engagement in Business Digital Banking

Small-business rates of adoption of online and mobile banking lag far behind those of regular consumers. Banks’ small-business customers don’t see the utility and aren’t being engaged by the offerings, particularly in the mobile realm. To break ...

Square’s Deal for Afterpay Accelerates the Threat of BNPL

Square’s move to acquire Afterpay for $29 billion dramatically alters the futures of the two companies as well as the BNPL industry and its competitors. Square is gaining a payment option that bolsters its seller and Cash App businesses, while A...

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