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


How to Gain the Competitive Edge through Fintech as Payment Processors Merge

  • Javelin Report
  • Date: June 25, 2019
  • Research Topics(s): Payments
This report provides a road map on how to work with fintech partners, outlines how to create an organizational framework to minimize operational risk, and offers product mananagement strategies to empower your teams to identify fintech companies...

How Cash-Flow Tools Can Transform Small-Business Digital Banking

This report explores the variety of opportunities available to innovative banks and third-party providers to help small-business clients by incorporating cash-flow analysis and projection into digital solutions.

Ending the War on Cash - New Product and Security Considerations

Join Krista Tedder and Sean Sposito as they exam the need for new cash focused technology and how to secure the emerging threats.

Silicon Valley Takes on Business Banking

Since 2011, Javelin has tracked consumers' perceptions of the "Gang of Five" – Apple, Google, Amazon, PayPal, and Facebook – and how these technology firms compare with banks in terms of trust, innovation, and partnership in the success of their...

Building Payment Strategies for Paycheck-to-Paycheck Consumers: The Détente on the War on Cash

  • Javelin Report
  • Date: April 22, 2019
  • Research Topics(s): Payments
This paper highlights why cash payments are becoming more relevant, market use cases that need to be solved in the next three years, and emerging technology capabilities that will make an impact in the United States.

Solving for Small Business Digital Account Opening

Join Javelin and Q2 as we discuss how to solve for digital account opening and an effective and engaging process for business customers.

Prioritizing Real-time Payments: Making Progress to Advance Modernization

  • Javelin Report
  • Date: March 20, 2019
  • Research Topics(s): Payments
Payment modernization is advancing faster globally than in the U.S. to solve market challenges of transparency and accessibility. Payment companies have been extending real-time and instant payments in different parts of the world for 30 years, ...

Digital Account Opening in Small-Business Banking: Keys to Evaluating Vendors

This report is Part I in Javelin’s examination of the account opening vendor space. It provides an overview of the current state of the market and lays out our framework for measuring a vendor’s success. Part II, upcoming, will feature a scoreca...

Implementing Payment Card Controls through a Customer Financial Engagement Strategy

Join Krista Tedder and Mark Schwanhausser as they examine the challenges and rewards of launch card controls.

Justice Department Reverses Decision on Internet Gambling

  • Javelin Report
  • Date: February 1, 2019
  • Research Topics(s): Payments
On Jan. 14, 2019, the U.S. Justice Department released a new interpretation of the Unlawful Internet Gambling Enforcement Act (UIGEA), stating that the act does not apply solely to sports-related gambling (as had been stated in a 2011 judgment) ...

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