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


Gambling and Lotteries Open New Prepaid Markets

The kickoff of a new football season brings on an increased opportunity to gamble for Americans. As more states pass legislation in the wake of the deregulation of mobile gambling and, by association, mobile lotteries, new opportunities for play...

Receivables Management Automation for Small Commercial Enterprises: Impediments to Adoption

Automation plays a significant role in receivables management, saving businesses time and money by automating such tasks as invoice generation, payment tracking, and collection. It also improves accuracy and efficiency. However, implementing a s...

Global A2A Retail Payment Systems: Lessons for the U.S.

The launch of FedNow—the Federal Reserve Bank’s instant payment service—lets financial institutions offer their customers 24/7/365 access to transactions that are initiated and settled in seconds. This will spur the development of new payment me...

Account-to-Account Transfers

Join Javelin's Elisa Tavilla and Sophia Gonzalez as they discuss the growing trend of Account-to-account transfers.

The State of the U.S. Credit Card Industry

  • Javelin Report
  • Date: September 5, 2023
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, where charge-offs threaten bank profits and create marginal returns ...

Why Data Isn’t a Zero-Sum Game in Payments

The fragmentation of the U.S. financial markets has created open-banking standards that are quite different from those found in Europe. In the United States, companies that enable permissioned access to account-level data have emerged to fill th...

Consumer Debit Payment Options in a Faster Payments World

This Javelin Strategy & Research impact note looks at potential ways FedNow and the RTP network by The Clearing House can support new use cases for instant consumer debit payments. Real-time payments enable retailers to improve customer experien...

Tracking Emerging Payments Technologies: Adoption is Not Enough

In 2023, for the first time, the North American PaymentsInsights (NAPI) Digital Transactions and Emerging Technologies Survey captures moment-in-time data about the metaverse, biometric authorization, privacy and security, and digital ID use. Th...

2023 Prepaid Regulatory Update

This report covers Javelin research and expectations on how economic and regulatory issues are affecting the prepaid card market. The report covers direct and broad scale regulatory changes occurring in 2023 with a particular lens into their eff...

Understanding Credit Card Rewards: A Successful Model Under Threat

  • Javelin Report
  • Date: August 16, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Credit card rewards programs are expensive and intricate for issuers to maintain, but they are also enormously popular with cardholders and a significant driver of customer acquisition. This Javelin Strategy & Research looks at the current lands...

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