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
AI in Commercial Payments: Do Payables Bots Dream of Dynamic Discounts?
AI’s transformative effects are becoming evident in how businesses source and buy things. The growing use of AI—predictive, generative, and agentic—across the source-to-settle value chain is poised to make a considerable impact on commercial pay...
Bots in the Back Office: Agentic AI and Commercial Payments
Agentic artificial intelligence stands to reshape commercial payments, from sourcing to settlement. Accordingly, banks, enterprise resource planning providers, and fintechs would be wise to take a page from the playbook Visa and Mastercard are n...
Stablecoins, the Agentic Secret Sauce
Although it may sound like the ultimate marketing pitch combining two very hyped technologies, a very real overlap exists between the rise of agentic commerce and blockchain. This connection will become more apparent as AI-powered buying matures...
The Proxy Economy: AI Agents and the Payment Stack
For technology leaders at financial institutions, the change in assumptions brought about by agentic commerce—removing people from transactions—also changes how systems are designed. Trust, control, and verification requirements are fundamentall...
Agentic Commerce and Merchants: Get Ready for a New Reality—and Some Turbulence
AI-powered agentic commerce could represent a fundamental recasting of the purchasing dynamic, which has always put ultimate decision-making in the hands of consumers. Transforming that carries big implications for merchants, most notably the im...
Agentic Commerce: The Payments Are Here, but Are the Agents Ready?
Shifting purchase and payment behavior, as agentic commerce stands to do, is a risky business. As the role of agents in purchasing decisions and payments comes to the fore, expect business-to-business applications to take root ahead of consumer ...
How Will Agentic Commerce Affect Consumer Credit?
Recent product announcements from leaders in the payments industry demonstrate the excitement surrounding new AI technologies. AI isn’t just a buzzword anymore, and AI-powered personal shopper experiences, dubbed “agentic commerce,” will be arri...
Prepaid Is Positioned to Bridge Gaps in Agentic Commerce
Announcements from Visa and Mastercard about the imminence of AI-driven purchasing agents that will act on behalf consumers have made a big splash. But underneath the dazzling view of the near future are a lot of details that have to be worked o...
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 ...