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
Harnessing AI Through Blockchain
There is a growing convergence of AI and blockchain, where the transparency and decentralization of blockchain meet the power and adaptability of AI. From decentralized AI enhancing privacy to smart contracts enabling real-time decisions, real-w...
Fintech Investing: 3 Trends to Watch in 2025
Venture capital investment in fintech is being gobbled up by AI startups, but the implications for players in the payments space is much more expansive. In the year ahead, look for innovations in marketing through payments, vertical software as ...
Credit Card Data Book, Part 1: Risk and Opportunity Metrics in a Trump 2.0 Business Environment
The U.S. consumer credit card market looks to be stable and resilient in 2025, with a few potential legislative curveballs from the new presidential administration that bear watching, including controls on interest rates (which Javelin views as ...
2025 Prepaid Card Data Book
Open-loop and closed-loop prepaid segments have stabilized, with a slight uptick in overall growth aided by positive consumer behaviors and the introduction and expansion of gaming and gambling stored-value verticals into the evaluation. In 2025...
2025 Payments Trends
Join industry experts James Wester and Brian Riley as they explore key trends and predictions shaping the Payments landscape in the year ahead. Gain valuable insights to stay ahead of the curve and prepare for what's next in this ever-evolving i...
The Evolution of Omnichannel Payment Strategies
Successful merchants are growing by meeting customers where they are, whether that’s in-store, online e-commerce, or on the go via their mobile devices. New technologies enable merchants to create a universal and consistent shopping experience f...
Tokenization: Growth Trend or Fad?
We’re in the early days of the tokenization of real-world assets through blockchain technology, and the growth rates are impressive. Further, utilizing this rising technology is delivering key efficiencies and reduced costs across a range of use...
CBDCs: Where Are We Now?
As the global development of central bank digital currencies advances, with the Bank for International Settlements at the center of many projects, central banks are zeroing in on key considerations: wholesale vs. retail CBDCs, public vs. private...
The Growing Importance of FinOps at Financial Institutions
As financial institutions increasingly embrace the power of technology and remake themselves through cloud computing and the harnessing of artificial intelligence, FinOps teams step to the fore. FinOps align the many relationships between banks ...
Debit Cashback Fees: A Customer Service or a Merchant Revenue Generator?
This Javelin Strategy & Research impact note considers the acquisition of cash through debit cards from several perspectives: banks and retailers that consider debit card cash back an “on-us” service to consumers, entities that impose fees on th...