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
Looking Past Deadlines: The ISO 20022 Opportunity
ISO 20022 is set to revolutionize payments with richer data, a seamless standard worldwide, and a forged path to future payment innovation. For mid-market banks, adoption isn’t just about meeting deadlines; it’s a chance to modernize payment sys...
2025 Instant Issuance Provider Scorecard
Fiserv stands atop the rankings in Javelin Strategy & Research’s inaugural Instant Issuance Provider Scorecard, earning Best in Class for its comprehensive, end-to-end offering that supports the entire customer lifecycle with robust features, in...
Harnessing AI Through Blockchain
There is a growing convergence of AI and blockchain, where the transparency and decentralization of blockchain meet the power and adaptability of AI. From decentralized AI enhancing privacy to smart contracts enabling real-time decisions, real-w...
Fintech Investing: 3 Trends to Watch in 2025
Venture capital investment in fintech is being gobbled up by AI startups, but the implications for players in the payments space is much more expansive. In the year ahead, look for innovations in marketing through payments, vertical software as ...
Credit Card Data Book, Part 1: Risk and Opportunity Metrics in a Trump 2.0 Business Environment
The U.S. consumer credit card market looks to be stable and resilient in 2025, with a few potential legislative curveballs from the new presidential administration that bear watching, including controls on interest rates (which Javelin views as ...
2025 Prepaid Card Data Book
Open-loop and closed-loop prepaid segments have stabilized, with a slight uptick in overall growth aided by positive consumer behaviors and the introduction and expansion of gaming and gambling stored-value verticals into the evaluation. In 2025...
2025 Payments Trends
Join industry experts James Wester and Brian Riley as they explore key trends and predictions shaping the Payments landscape in the year ahead. Gain valuable insights to stay ahead of the curve and prepare for what's next in this ever-evolving i...
The Evolution of Omnichannel Payment Strategies
Successful merchants are growing by meeting customers where they are, whether that’s in-store, online e-commerce, or on the go via their mobile devices. New technologies enable merchants to create a universal and consistent shopping experience f...
Tokenization: Growth Trend or Fad?
We’re in the early days of the tokenization of real-world assets through blockchain technology, and the growth rates are impressive. Further, utilizing this rising technology is delivering key efficiencies and reduced costs across a range of use...
CBDCs: Where Are We Now?
As the global development of central bank digital currencies advances, with the Bank for International Settlements at the center of many projects, central banks are zeroing in on key considerations: wholesale vs. retail CBDCs, public vs. private...