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
Imagining a Cardless U.S. Payments Landscape, Part 2
The physical card—whether credit, debit, or prepaid—is the great driver of transactions across the payments landscape, wielded by large percentages of consumers regardless of age. But what happens in some future when the card form is usurped by ...
2025 Commercial & Enterprise Payments Trends
The increasing acceptance of card payments for payables, instant payments’ reach into cross-border business transactions, and the ongoing attempts to eliminate or curtail paper checks in business payments are catching the eye of Javelin Strategy...
2025 Credit Payments Trends
In 2025, credit card issuers are not just facing change; they are at the forefront of shaping the future of the consumer credit industry. Despite the weakening consumer economics, the industry is not just adapting but also thriving and evolving....
2025 Debit Payment Trends
The world of debit payments is a dynamic one. Even as debit cards remain durable and essential modes of payment, trends are coming to the fore that promise to create better consumer experiences, provide more ways to pay, and enhance the security...
2025 Digital Asset and Cryptocurrency Trends
For 2025, Javelin expects much of the same evolution and development in the space, with an emphasis on the technological underpinnings of digital assets and crypto. Whereas previous iterations of growth and optimism tended to focus on crypto as ...
2025 Emerging Payments Trends
In 2025, Payments will continue to feel the impact of three key trends that have been at work for the last decade and more. 2025 is the time when the nature of these impact will become more clear as technological capabilities and regulatory land...
2025 Merchant Payments Trends
Trends in merchant payments in 2025 and beyond, focusing on platform value, a deliberate AI approach, and the pressure on fintechs to deliver results.
2025 Prepaid Payments Trends
In 2025 and beyond, look for security enhancements, bigger B2B applications, and increased healthcare uses of prepaid products.
2025 Tech & Infrastructure Trends
In 2025, Javelin Strategy and Research expects a continuation of the change and disruption that defined this past year, with one important change. Banks that have sought to reimagine themselves in the image of technology companies will firmly em...
Navigating 1033: Technology Considerations for the New Rules of the Road
The long-awaited final rules under Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 present technology departments and tech leadership with a new set of compliance challenges that will require them to assess ...