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
2025 Javelin Trends Webinars
Diving into the digital financial services trends and predictions our experts see coming in 2025.
21st Annual U.S. Open-Loop Prepaid Card Market Forecast, 2024-2028
Open-loop prepaid programs continue to show consistent and strong growth opportunities across most market verticals. This Javelin Strategy & Research report, the 21st annual assessment of the open-loop ecosystem, identifies a new period of signi...
Cross-Border Payments and the Impact of Tariffs: An Opportunity for Fintechs
Fintechs are bringing diverse options to the world of cross-border payments, which were once solely marked by opaque and costly movement through correspondent banking channels. Now, with President-elect Donald J. Trump about to begin a new term,...
Imagining a Cardless U.S. Payments Landscape, Part 2
The physical card—whether credit, debit, or prepaid—is the great driver of transactions across the payments landscape, wielded by large percentages of consumers regardless of age. But what happens in some future when the card form is usurped by ...
2025 Commercial & Enterprise Payments Trends
The increasing acceptance of card payments for payables, instant payments’ reach into cross-border business transactions, and the ongoing attempts to eliminate or curtail paper checks in business payments are catching the eye of Javelin Strategy...
2025 Credit Payments Trends
In 2025, credit card issuers are not just facing change; they are at the forefront of shaping the future of the consumer credit industry. Despite the weakening consumer economics, the industry is not just adapting but also thriving and evolving....
2025 Debit Payment Trends
The world of debit payments is a dynamic one. Even as debit cards remain durable and essential modes of payment, trends are coming to the fore that promise to create better consumer experiences, provide more ways to pay, and enhance the security...
2025 Digital Asset and Cryptocurrency Trends
For 2025, Javelin expects much of the same evolution and development in the space, with an emphasis on the technological underpinnings of digital assets and crypto. Whereas previous iterations of growth and optimism tended to focus on crypto as ...
2025 Emerging Payments Trends
In 2025, Payments will continue to feel the impact of three key trends that have been at work for the last decade and more. 2025 is the time when the nature of these impact will become more clear as technological capabilities and regulatory land...
2025 Merchant Payments Trends
Trends in merchant payments in 2025 and beyond, focusing on platform value, a deliberate AI approach, and the pressure on fintechs to deliver results.