What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
Commercial Payments Factbook
Explore a comprehensive view of the U.S. commercial payments market. This report breaks down $175 trillion in real-economy transactions, revealing where growth is happening by sector, segment, instrument type, and provider. It also offers sector...
Payments in the Arena: Integrated Experiences Are the Winning Play
Identity will constitute the future of experiences at stadiums, ballparks, and other performance venues, giving fans—especially the most loyal ones—a seamless journey from entry to team stores to concessions to where they sit. Although snippets ...
Payments in the Arena: Prepaid Can Move Into the Starting Lineup as Cash Gets Cut
Sports and entertainment thrive on fan loyalty but have yet to translate that dedication into long-term, connected share of wallet once fans are inside the turnstiles. Prepaid stored-value options can provide that link to the benefit of teams, c...
An Executive Order: What’s the Impact of Eliminating Government Check Payments?
An order by President Donald J. Trump to eliminate the issuance and acceptance of paper checks by the government isn’t the first time an effort has been made to limit the use of the payment method. But with digital options flourishing and consum...
Decentralized Infrastructure and Computation: How Does It Compare?
The infrastructure to meet the needs of emerging technologies like artificial intelligence, digital assets, and blockchain will be extensive and expensive. Decentralized physical infrastructure networks—known as DePIN—offer a cost-effective appr...
What FIS’s Latest Deal Says About Finding Synergies Across the Payments Value Chain
A move by FIS to unload Worldpay—which it acquired to much hoopla in 2019, a year that also saw a huge deal between Global Payments and TSYS—illustrates the difficulty of finding synergies across the payments value chain. On the surface, owning ...
Capital One and Discover: A Big Deal, Not a Cakewalk
The newly approved Capital One-Discover merger, which comes with a combined $250 billion loan book, creates a behemoth in payments but will require firm and judicious leadership to integrate the best of both companies’ worlds. This Javelin Strat...
Surcharging on Card Transactions: In Search of Balance
The decision by a merchant to impose a surcharge on credit card transactions—usually a percentage of the purchase price to offset the cost of card acceptance—is understandable but still an untenable risk in most situations. Amid ever-expanding p...
Riffing on Tariffs: Now is the Time to Build Your Small Business Card Portfolio
Small businesses represent the backbone of the U.S. economy, but they also struggle with the cash flow necessary for long-term survival. Amid the U.S. imposition of tariffs, many small businesses are facing the prospect of supply chain disruptio...
Instant Payments From the Frontlines: Overcoming Operational Challenges
As demand for real-time payments grows, implementing FedNow and RTP brings unique challenges—from legacy system integration to fraud prevention and customer support.