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


Payments Keep Branch Banking Alive

  • Impact Note
  • Date: January 21, 2021
  • Research Topics(s): Payments
If a bank considers branch banking unimportant, it needs to think again. Approximately 13% of consumers have not walked into a branch in the past year, down only slightly (3%) from 2019, even amid pandemic restrictions. The importance of branche...

Stripe Takes on Banking as a Service

Since the passage of the Paycheck Protection Program (PPP) in March, financial institutions and technology vendors have worked overtime to process applications and distribute funds in support of small businesses and their employees negatively af...

Get Paid First: Delinquency and the Financially Distressed

  • Javelin Report
  • Date: December 16, 2020
  • Research Topics(s): Payments
This report will provide insight as to which consumers are struggling to pay, identify payment preferences, and outline progressive collection strategies that will make the consumer want to pay back the loan before paying other debt

How FIs Can Still Win in the Small-Business Expense Management Market

In this report, Javelin provides an overview of expense management product adoption among business owners, key functionality in the market, the landscape of industry players, and the significant impact these products could have on small-business...

2021 Payments Trends

  • Javelin Report
  • Date: December 9, 2020
  • Research Topics(s): Payments
The changes in consumer behavior and technology each influence Javelin’s 2021 industry trends. A new normal has set in, one where the industry needs to be more agile than in the past ten years combined but also one where innovation is thriving. ...

2021 Small-Business Digital Banking & Payments Trends

In this report, Javelin outlines three key trends that banks, core providers, card networks, and fintech companies should watch for in the coming year to support those efforts: increased development and competition from banks for small merchant ...

Capitalizing on Merchant Payments Innovation

  • Impact Note
  • Date: November 13, 2020
  • Research Topics(s): Payments
This year has prompted changes in how the economy functions—from how transactions are initiated to how requests are fulfilled. In response to these new restrictions and changing consumer habits, merchants have released a wave of innovative ways ...

Merchant Innovation Driving Payment Change

  • Advisory Webinar: Client Login Required
  • Date: November, 2020
  • Research Topics(s): Payments
This webinar will discuss the implications of merchant innovation for financial institutions and payment service providers and the need for new payment strategies.

Future-Proofing Payment Card Strategies

  • Javelin Report
  • Date: October 22, 2020
  • Research Topics(s): Payments
This report is the second in a series covering payment impacts due to the changes in payment behavior. This report focuses on how payment habits affect the total cost of ownership of a card program and what is required for maintaining digital to...

Small-Business Digital Banking for the Post-COVID World

Join Javelin’s Jacob Jegher and NCR’s Douglas Brown and Erica Pilon to discuss how to design a digital banking offering that counters the threat from these big tech platforms encroaching on banks’ core business, and positions the bank as a hub t...

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