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
U.S. Real-time Payments: Full Speed Ahead After Year 1 of FedNow
One year after the introduction of the FedNow instant payment service, participation by financial institutions is soaring and transaction volumes and values are up across the faster payment services offered in the United States. Against this bac...
Commercial Instant Payments: Global Update Part 2
Javelin Strategy & Research’s periodic check-in on the state of global instant payments finds rapid adoption across the globe, with volumes in places like the United States, Asia, India, and Brazil growing month after month. Instant payments, wi...
Imagining a Cardless U.S. Payments Landscape, Part 1
Any contemplation of a cardless future in U.S. payments starts with a definition of terms: The question is whether the form—physical credit and debit cards wielded at the point of sale—will survive. The function—payments that take place on card ...
Banking as a Service and Self-Inflicted Wounds
The “unbundling” of financial services through banking-as-a-service arrangements cast risk and compliance into a gray area. This was underscored by the failure of BaaS provider Synapse, which landed in bankruptcy, thus throwing consumer accounts...
PCI 4.0: What Merchants Need to Know
PCI compliance has traditionally taken a vertical approach to data security, with subsequent iterations of requirements going deeper into protecting payment data. For the first time, PCI is expanding horizontally by looking at all aspects of an ...
DFAST in Credit Cards: No Stress Now; Next Year, Maybe
Credit cards represent the largest risk item in the recently completed banking stress tests mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act. Potential losses under the hypothetical economic event prescribed in the 2024 ...
2024 Prepaid Holiday Preview
With preparations for the 2024 holiday shopping season in full stride, Javelin Strategy & Research highlights opportunities for the gift card ecosystem to capitalize on a moderated economy and find success during this critical sales period. This...
Where Are the Digital IDs? Three Questions You Must Ask
Understanding the progression of digital ID and its impact on consumer adoption of digital wallets requires exploration of three questions: One, where are digital IDs available? Two, where are they accepted? Finally, are consumers interested? Ta...
Understanding Crypto Custodians: Proliferation Continues
As cryptocurrencies and other digital assets move increasingly into the mainstream of finance, custodians of those assets move to the fore. With digital assets, challenges are often rooted in regulation and the implementation of technology, maki...
A Modern-Day Primer on Commercial and Enterprise Payments
Commercial and enterprise payments comprise some of the most essential elements of any large enterprise. They affect critical areas such as liquidity, cash forecasting, and creditworthiness. When those transactions are conducted on a global scal...