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
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
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?
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...
Five Ways Assertive Regulators Will Shape the Future of Payments
The past few years have seen an increased role for U.S. regulators across financial services, with crackdowns against banking partnerships, crypto coin minters, credit card issuers, card network pricing, and a wide variety of lenders ranging fro...
High-Yield Savings Accounts: An Efficient Way to Fund Credit Card Loans
Credit card lending requires funding, and banks with credit card programs find themselves at an interesting point: The prime rate is at its highest level in decades, and in anticipation of decreasing rates in late 2024 and 2025, banks might want...