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
FedNow and Technology Vendors: Setting the Foundation for Future Payments
This Javelin Strategy & Research report looks at the Federal Reserve's FedNow service, but from the perspective of choosing the right technology vendor. FedNow offers a foundation for what is to come in payments—real time, always on, and on dema...
Credit Card Lending Needs a Slowdown; Work with Cardholders to Shield Upcoming Risk
Consumer debt is climbing, and for the wrong reason. Consumptive spending is evident on credit cards, and household budgets are under stress, diminishing the ability of consumers to repay. Though inflation shows signs of waning, many consumers r...
Capital One and Discover: The Potential to Build a Global Payments Ecosystem with Scale
The Capital One acquisition of Discover, if it gains regulatory approval, will create a global force in payments for acceptance, issuance, and processing. To clear the regulatory hurdle, the potential new organization must prepare a case th...
Driving Consumer Payment Performance
Join Javelin’s Brian Riley, Elisa Tavilla, and Sophia Gonzalez as they walk us through essential metrics driving consumer payment performance.
2024 State of the Industry: Commercial Prepaid Cards
The commercial prepaid market should see moderate growth in coming years, with an increased opportunity for non-governmental products such as employee and health incentives in open-loop and closed-loop networks. This Javelin Strategy & Research ...
Retailer Debit Cards: Why Doesn’t Everyone Do It?
Consumers are on a quest for value and convenient ways to pay. Retailers and merchants want to boost sales and cut costs. These interests can get together through retailer debit cards that leverage consumer bank accounts via store-branded apps a...
Understanding Commercial Card ePayables: An Abridged Guide for Commercial Buyers
In the world of commercial card payments instruments, ePayables—a virtual type of card payment—is the fastest growing segment, bringing operational efficiency for buyers and their suppliers and offering flexibility and the potential for better c...
Bitcoin ETFs: Bringing the Investment Discussion Back
The Security and Exchange Commission’s approval of several exchange-traded funds tied to bitcoin led to a sigh of relief in the cryptocurrency industry. Indeed, the move—which came after the regulatory agency lost in court—is being seen as a vic...
Credit Card Data Book Part 2: Internal Dynamics
Part 2 of the annual Javelin Strategy & Research examination of the U.S. credit cards looks at how internal dynamics, such as issuer portfolios and ongoing risk assessment, affect the market. The upshot: As economic stressors rise and loan loss ...
Generative AI Comes to Life: Notes from the Field
Generative AI has been around for over a year now and has dominated discussions about how the emerging technology stands to transform payments. This Javelin Strategy & Research report takes a deep look into how companies in the payments space ar...