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
Payment Orchestration: Making the Juice Worth the Squeeze
Payment orchestration has come to the forefront as enterprise merchants work to squeeze the most from their payment platform. In addition to optimizing authorization rates, merchants wrestle with new payment types, expansion into new sales chann...
Tech Meets Tariffs: Cross-Border Payments in 2025
In 2025, businesses in cross-border payments are being transformed by global trade shifts, evolving tariff policies, and technological innovations. This Javelin Strategy & Research report delves into how real-time payments, digital advancements,...
‘Disappearing’ Accounts and the Future of Payments
The legacy view of accounts—rigid holdings and lines of credit in financial silos—is yielding to the reality of open banking and interoperability, by which the walls around those accounts disappear and money movement becomes freer and more easil...
Seven Credit Card Warning Signs in 2025: Don’t Stop Lending, but Watch Out
For credit card managers, assessing risk metrics and adjusting their strategies are the bedrock aspects of the job. Right now, those messages are mixed. Unemployment is steady, inflation remains high but is better than last year, yet consumers a...
The Fate of the CFPB and Section 1033 Rules
The Trump administration’s efforts to shrink the federal government have stalled the Consumer Financial Protection Bureau’s actions, including litigation related to and enforcement of Section 1033, the collection of rules regarding the use and s...
Understanding Solana for Financial Services
The Ethereum blockchain is the leader in institutional use among providers of financial services, but Solana is making a strong case for consideration. Its throughput capacity and transaction speed—driven by the Firedancer upgrade that patched s...
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.