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
Market-Driven, Risk-Based Credit Card Pricing Works: Price Controls Would Disrupt Borrowing and Lending
A 10% cap on credit card interest rates—an idea floated in the presidential race—would have profound effects on the credit card market, cutting deeply into how credit cards are priced and provisioned against losses and necessitating moves by the...
Demystifying Payment Orchestration for Banks
Payment orchestration for banks is fundamentally about lowering costs, increasing efficiency, and creating better customer journeys. The process of building orchestration architecture, however, is more complicated for banks than it is for mercha...
2024 Prepaid Regulatory Update: Playing by the Rules
Javelin’s annual update covers how economic and regulatory issues are affecting the prepaid card market. This report covers direct and broad-scale regulatory changes occurring in 2024, putting a particular lens on their effects on various prepai...
Global AR/AP Automation: Improving Cash Visibility and Reducing Risk
In an increasingly complex and competitive world of commercial payments, automation of the accounts receivable and accounts payables processes allows companies to maintain tighter control of spending, take better advantage of price breaks, and e...
Three Steps to Improve the Bill Pay Function
Biller direct payments are preferred by consumers over payments initiated through bank bill pay platforms. Closing the gap and engaging more customers will require financial institutions to build better user experiences, embrace consumers’ desir...
European MiCA Regulation: The Industry’s Benchmark
The Markets in Crypto Assets (MiCA) regulation in the European Union sprang from existing rules governing securities but was tailored specifically for the fast-moving, ever-evolving cryptocurrency industry. It brings important clarity to the EU,...
2024 General-Purpose Reloadable Card Program Scorecard
The first General-Purpose Reloadable Card Program Scorecard by Javelin Strategy & Research evaluates 10 major card programs across a variety of features, looking at the programs through the lens of consumer use. In a competitive marketplace, the...
In Search of a Profit: Tighter Margins and Higher Risk Will Impact Credit Card Revenue Through 2025
Credit card income will continue its downward trend in 2024 and 2025 as issuers face revenue and expense pressures. The shortfall between 2022 and 2023, when the ROA fell from 4.70% to 3.33%, will likely result in the measure falling into the lo...
Imagining a Cardless Future
Join Javelin Analysts Craig Lancaster and Christopher Miller as they explore the possibilities and implications of a world without cards and what it might mean for incumbent participants in the payments ecosystem.
Crypto Gets Political
The cryptocurrency and digital assets industry is having its political moment this year as one presidential candidate signals solidarity and another seems open to resetting what has been a fraught relationship. Regardless of the electoral outcom...