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 Digital Issuance Provider Scorecard
Galileo ranks as the Best in Class winner in Javelin Strategy & Research’s inaugural Digital Issuance Provider Scorecard. Galileo’s flexible, secure, scalable and fully integrated Digital First platform drives innovation across payments and fina...
New Administration Brings a New Day for Crypto
The U.S. cryptocurrency industry, once facing a hostile regulatory environment, is experiencing a reset under the new Trump administration. Key moves from the White House in the first 90 days, including executive orders and crypto-friendly appoi...
Proceed With Caution: Instability in Government Programs Shakes Up the Prepaid Sector
The rapid action of the so-named Department of Government Efficiency, combined with budgetary priorities that could sap aid programs, highlights a potentially tumultuous time for prepaid programs that interact with the federal government. As the...
Driving Better AP Automation through Better Supplier Enablement, Security and Digitization
Join Jeff Feuerstein of Bottomline and Hugh Thomas of Javelin as they break down better, smarter ways to handle payments automation.
Generative AI Isn’t Happening Like We’ve Been Told
Although the AI future isn’t coming as quickly as we were told, it will arrive. Bringing that future to life will require new plumbing (read: technological standards and infrastructure), and a number of key business opportunities are going to be...
Implementing Pay-By-Bank: A Guide for Merchants
Many merchants are exploring alternative ways to accept payments from customers and reduce the rising cost of accepting card payments, but is the U.S. banking infrastructure ready to support a retail purchase as an account-to-account transfer? P...
Catching Up With Faster Payments
The push for real-time payments is gaining momentum in the United States, but the share that’s shifting to such payments remains minimal. By taking cues from the success of real-time payments in other global markets and creating expanded busines...
Tumultuous Times: Uncertainty at the CFPB and Financial Services Regulations
The Consumer Financial Protection Bureau’s future is in question amid scrutiny by the Trump administration and Elon Musk’s Department of Government Efficiency. An order to stop work on proposed regulations, suspend the effective dates of finaliz...
2025 State of the Industry: Commercial Prepaid Cards
The commercial prepaid market should present divergent opportunities for growth, given the positive growth in business-to-business relationships and stagnant or shrinking government sector programs. This Javelin Strategy & Research report looks ...
2025 Small-Business Point-of-Sale System Scorecard
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...