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

2021 Small-Business Digital Account Opening Scorecard

Banks want small businesses to open accounts, and small businesses want a digital process that doesn’t frustrate them before the application, much less the onboarding, is complete. Javelin Strategy & Research assesses six of the leading vendors ...

Getting a Piece of the Buy Now, Pay Later Pie

  • Javelin Report
  • Date: May 26, 2021
  • Research Topics(s): Payments
Buy now, pay later financing is a burgeoning alternative payment method at the digital and physical point of sale. As availability and adoption increase in the United States and abroad, banks and credit unions must ensure they play a role. This ...

The Health of Cash and its Role Expanding the Digital Economy

  • Whitepaper
  • Date: May 18, 2021
  • Research Topics(s): Payments
This report, sponsored by Cardtronics, explores how the digital economy benefits from cash usage and consumer preferences for safe and easy commerce. Consumers who prefer to use cash are digitally savvy but are unable to access the digital econo...

Futureproofing Payments: Building a Digital Currency Payment Strategy

  • Javelin Report
  • Date: March 22, 2021
  • Research Topics(s): Payments
Digital payments continue to evolve around digital currencies, stable coins, and cryptocurrencies, and financial institutions will need to determine how they will participate in digital financial services. With FIs moving beyond asset managem...

The Small-Business Banking Maturity Path: Building the Financial Hub

To survive and thrive in business digital banking in the coming decade, banks will need to transform their offerings in a way that keeps small businesses from looking over the fence at encroaching non-bank players. In this report, Javelin lays o...

Impacts of Regulatory Actions on Payment Technology

  • Javelin Report
  • Date: February 24, 2021
  • Research Topics(s): Payments
Payment regulation is on the horizon, not only for banks and credit unions, but also for fintechs. Some of the regulations are well overdue, like preventing discrimination in banking. Others are new to deal with the evolving cryptocurrency and p...

Google’s Advancement to Become a Super App

  • Impact Note
  • Date: February 17, 2021
  • Research Topics(s): Payments
A simple mention in the Global Payments investment briefing provided insight into how embedded payments will be expanding through Google Advertising. Already a revenue powerhouse, Google's advertisements are wide reaching and cross many platform...

2021 Financial Industry Trends: Payments

  • Video
  • Date: January 28, 2021
  • Research Topics(s): Payments
Join Krista Tedder, Director of Payments as she walks you through Javelin’s predictions for the Payments Industry.

2021 Financial Industry Trends: Small Business Banking

Join Ian Benton, Sr. analyst, Small Business Digital Banking and Payments as he walks you through Javelin’s predictions for the Small Business Banking Industry. 

Brace for an Interchange Squeeze

A Justice Department antitrust lawsuit did more than scuttle Visa’s $5.3 billion acquisition of Plaid. It spotlighted a worrisome strategic issue facing the financial services industry in 2021: the threat to interchange revenue. 

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