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
Commercial Cross Border: This is Getting Good
Commercial cross-border transactions are a big business, and they’re only getting bigger, projected to expand at nearly an 11% compound annual growth rate through 2030. Such transactions also tend to be costly and risky, tied to a correspondent ...
Are Consumers ‘Buying’ Biometric Authentication?
Biometric authentication has substantial benefits that accrue to the quality of transactions, including reduced fraud involving payments made online. The technology that enables such authentication is mature, and widespread use of it in payments...
Disbanded Co-Brands: When Credit Card Joint Ventures Fail
The robust credit card co-brand market represents more than 300 million U.S. cards. However, the relationship requires partnership and cooperation between all parties, and successful examples of this harmony have flourished. However, friction be...
Credit Card Issuance by Small Issuers: Strategies, Risks, and Options
Community banks, credit unions, and banks of all sizes face an imperative of having a presence in payment cards. With almost 600 million credit cards in the United States and 230 million adults using them, these cards are the standard access veh...
Managing Cards as a Service
Companies that provide card-as-a-service (CaaS) offerings are flourishing under a range of descriptions. The overlaps among CaaS providers, banking-as-a-service (BaaS) providers, and payment processors can be considerable, as each acts as an int...
Shredding Inefficiency: A Blueprint for Eliminating Paper Checks
The use of paper checks in commercial payments doggedly persists, accounting for 33% of such transactions globally, with an overwhelming number of corporations still accepting checks and sending them out. It’s past time to make the switch to ful...
Eco-Focused Payment Cards: It Pays to Be Green
As financial institutions and card issuers increasingly embrace sustainable practices with their card programs, they’re also finding a way to engage their customers with innovative, recyclable materials for the physical cards and compelling opti...
How Recurring Payments Through Subscriptions Drive Business Growth
Subscriptions are flourishing, in line with rising generations of consumers who value accessibility to services over the ownership of things. With those subscriptions come recurring payments, which are popular with merchants and consumers alike....
Javelin Prepaid Consumer Sentiment: A Generational View
Looking at the usage of prepaid card products across generations reveals some interesting insights card companies can use in targeting their messaging. Consumers in the younger generations—Generation Z (born in 1997 and later) and Millennials (b...
US Instant Payments: A Catalyst for Growing Commercial Payments and Banking
This report, sponsored by Volante Technologies, reviews the challenges and benefits associated with financial institutions’ adoption of real-time payments in the United States given the increased options that are now available. This research rep...