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
Tech Meets Tariffs: Cross-Border Payments in 2025
In 2025, businesses in cross-border payments are being transformed by global trade shifts, evolving tariff policies, and technological innovations. This Javelin Strategy & Research report delves into how real-time payments, digital advancements,...
‘Disappearing’ Accounts and the Future of Payments
The legacy view of accounts—rigid holdings and lines of credit in financial silos—is yielding to the reality of open banking and interoperability, by which the walls around those accounts disappear and money movement becomes freer and more easil...
Seven Credit Card Warning Signs in 2025: Don’t Stop Lending, but Watch Out
For credit card managers, assessing risk metrics and adjusting their strategies are the bedrock aspects of the job. Right now, those messages are mixed. Unemployment is steady, inflation remains high but is better than last year, yet consumers a...
The Fate of the CFPB and Section 1033 Rules
The Trump administration’s efforts to shrink the federal government have stalled the Consumer Financial Protection Bureau’s actions, including litigation related to and enforcement of Section 1033, the collection of rules regarding the use and s...
Understanding Solana for Financial Services
The Ethereum blockchain is the leader in institutional use among providers of financial services, but Solana is making a strong case for consideration. Its throughput capacity and transaction speed—driven by the Firedancer upgrade that patched s...
2025 Digital Issuance Provider Scorecard
Galileo ranks as the Best in Class winner in Javelin Strategy & Research’s inaugural Digital Issuance Provider Scorecard. Galileo’s flexible, secure, scalable and fully integrated Digital First platform drives innovation across payments and fina...
New Administration Brings a New Day for Crypto
The U.S. cryptocurrency industry, once facing a hostile regulatory environment, is experiencing a reset under the new Trump administration. Key moves from the White House in the first 90 days, including executive orders and crypto-friendly appoi...
Proceed With Caution: Instability in Government Programs Shakes Up the Prepaid Sector
The rapid action of the so-named Department of Government Efficiency, combined with budgetary priorities that could sap aid programs, highlights a potentially tumultuous time for prepaid programs that interact with the federal government. As the...
Driving Better AP Automation through Better Supplier Enablement, Security and Digitization
Join Jeff Feuerstein of Bottomline and Hugh Thomas of Javelin as they break down better, smarter ways to handle payments automation.
Generative AI Isn’t Happening Like We’ve Been Told
Although the AI future isn’t coming as quickly as we were told, it will arrive. Bringing that future to life will require new plumbing (read: technological standards and infrastructure), and a number of key business opportunities are going to be...