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

2025 Small-Business Point-of-Sale System Scorecard

  • Javelin Report
  • Date: February 13, 2025
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Merchants have become comfortable buying financial services and technology together, bringing banks and financial services providers into the software market to compete with the software companies selling payments and other financial services. B...

Credit Card Databook, Part 2: Balancing Risk and Reward in a Resilient Economy

  • Javelin Report
  • Date: February 13, 2025
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The U.S. consumer credit card market remains strong for issuers, but there is reason for concern and diligence in portfolio management. Credit cards, which remain highly popular among consumers, are seeing slower profitability growth, and rising...

2025 Javelin Trends Webinars – Two New Sessions Added!

Diving into the digital financial services trends and predictions our experts see coming in 2025.

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

  • Javelin Report
  • Date: January 27, 2025
  • Author(s): Ben Danner
  • Research Topic(s): Credit
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...

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