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
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...
Credit Card Databook, Part 2: Balancing Risk and Reward in a Resilient Economy
The U.S. consumer credit card market remains strong for issuers, but there is reason for concern and diligence in portfolio management. Credit cards, which remain highly popular among consumers, are seeing slower profitability growth, and rising...
2025 Javelin Trends Webinars – Two New Sessions Added!
Diving into the digital financial services trends and predictions our experts see coming in 2025.
Looking Past Deadlines: The ISO 20022 Opportunity
ISO 20022 is set to revolutionize payments with richer data, a seamless standard worldwide, and a forged path to future payment innovation. For mid-market banks, adoption isn’t just about meeting deadlines; it’s a chance to modernize payment sys...
2025 Instant Issuance Provider Scorecard
Fiserv stands atop the rankings in Javelin Strategy & Research’s inaugural Instant Issuance Provider Scorecard, earning Best in Class for its comprehensive, end-to-end offering that supports the entire customer lifecycle with robust features, in...