What shapes consumer transactions and payment technologies, and where is it going?

Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.

Payments Research


B2B Offers Open the Door to a Digitally Connected Consumer

This report, sponsored by Fiserv, explores the impact of consumer-directed business-to-business prepaid card programs in engaging the transition to digital platforms for gift-giving and self-use.

Can Pay-by-App Compete With Pay-by-Phone?

The largest retailers are trying to get consumers to bypass the more popular digital wallets and make payments directly through mobile apps. Consumer preferences, regulatory agencies, emerging technologies, payment incumbents, and merchant inter...

Tokenization: Digitizing the Real World

Tokenization—the creation of unique digital records of asset ownership—is poised to make a lasting impact on how participants in financial markets operate, affecting financial institutions, investors, and regulators. The technology has the poten...

Room for One More? Global Real-Time Pay-by-Bank Lessons for the U.S.

Pay-by-bank solutions go by a lot of names—bank transfer, bank-to-bank transfer, direct account payment, direct debit, and more—but one thing is clear: When they are ubiquitous, interoperable, and instant, as is the case in places like Brazil, I...

Movements in Global Commercial Payments and Banking: 2024 Edition

Join Albert Bodine and Ryan Cole as they discuss how instant payments will affect commercial enterprises, the safety of non-systemically important banks, and how cross-border payments will change in the near term.

Tokenizing the Real World

The topic of tokenizing real world assets (RWA) has been in the spotlight recently.  What makes this time different? Join James Wester and Joel Hugentobler as they discuss the topic of tokenization.

Credit Scoring: A Cornerstone to Credit Extension and Management

  • Javelin Report
  • Date: April 17, 2024
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The traditional methods of credit scoring—time-tested and statistically sound—remain excellent ways of assessing the creditworthiness of consumers. FICO Score 8, the dominant credit score in the United States, is leveraged by lenders because it’...

Prepaid On The Verge of a Digital Takeover

Digital options in the prepaid payments industry appear poised to take control over the next decade, pushed by consumer demand, technological advances, and a shrinking financial world. The time is now to adopt a digital-first approach to engage ...

Movements in Global Commercial Payments and Banking: 2024 Edition

Global commercial banking and payments are evolving swiftly, driven by technological progress, evolving corporate habits, and emerging market dynamics. This puts businesses on the spot to respond in ways that keep them competitive, minimize expo...

Visa and Mastercard Settle With Merchants: What Does It Mean?

  • Javelin Report
  • Date: April 9, 2024
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
The recent settlement of a class-action lawsuit pitting merchants against card networks Mastercard and Visa is attention-getting, not least of all for the $30 billion price tag. Merchants have long been vocal about rising interchange costs and w...

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