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
Cloud Vendors and What They Bring to Payments
Providers of cloud services have made strong plays for financial institutions in recent years, and accordingly, banks have begun migrating data and applications to the cloud rather than hosting storage and operations on-premises. The result has ...
Cultivating Financial Savvy and Customer Loyalty: Debit Products for Kids and Teens
Debit products aimed at kids and teenagers are highly useful financial services: They allow parents to help their kids build strong financial habits and offer a pathway to deeper relationships between financial institutions and families. Several...
2024 Holiday Season Preview
Join Jordan Hirschfield and Sophia Gonzalez as they discuss the impact of prepaid cards on the upcoming 2024 holiday season, with a focus on macro-economic trends, consumer preferences, and a retrospective look at the 2023 season.
Reaching Consensus: The Consensus 2024 Conference
At long last, the everyday applications of decentralized finance, long championed but also mostly theoretical, are meeting reality as cryptocurrencies and digital assets come into their own. That sense of optimism about the industry was palpable...
Co-Branded Credit Cards 2024: Top Issuer Market Review
Co-branded credit cards, a significant segment of the U.S. consumer credit market, are poised for further growth. These products are not just popular but also essential, attracting consumers eager to enhance their relationships with partner merc...
Embedded Finance: What Do Merchants Want?
Software companies are fast becoming a source of financial services for small- and medium-sized businesses, and this brings up a host of questions for banks and software companies alike as they assess questions of how (and whether) to compete, h...
Instant Card-Based Payments: Meeting Customer Needs Immediately and Everywhere
Consumers and businesses increasingly expect faster and real-time payment options. They prefer to use convenient, flexible, dependable, and secure payment methods that are available digitally, 24/7/365, and accepted by all or most people and bus...
Self-Use Drives Prepaid Products
The term “gift card” carries a natural connotation of prepaid products that are purchased for the use of others. But this connotation clashes with the reality that self-use—that is, the purchase of a prepaid product for use by the buyer—is a sig...
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...