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
2024 Prepaid Card Data Book
The Prepaid Card Data Book ties together the most important metrics for the industry in brief, high-level metrics. This assessment of the prepaid card market by Javelin Strategy & Research covers summarized market estimates for the broad market,...
2024 Annual U.S. Debit Card Market Data Review
Changes are afoot in the debit card market as higher prices drive more consumers toward credit for everyday payments and users increasingly demand digital payment technologies. This Javelin Strategy & Research report takes a comprehensive look a...
AI Was the Talk of NRF 2024
Artificial intelligence and its potential to transform merchant operations has been a hot topic for some time. At the National Retail Federation’s annual conference in New York in mid-January, the focus sharpened, with industry leaders talking a...
Credit Card Data Book Part 1: Environmental Factors
This annual report by Javelin Strategy & Research—the first of two parts, this one looking at external factors and their impact on the credit card market—finds that the leading indicators point toward stability. Unemployment and bankruptcies are...
Commercial Instant Payments: Global Update Part 1
The adoption of instant payments in the global business-to-business (B2B) market is poised to surge, driven by advancements in technology that have enabled financial institutions to create efficient, secure real-time payment systems and a growin...
Coexisting in Payments: How Middleware Forges Alliances Among Smaller FIs, Core Providers, and Fintechs
Small and medium-sized banks, short on the resources to rebuild their infrastructure and long frustrated by the slow pace of innovation by some core banking service providers, are benefitting from a shift in tactics. Those providers are increasi...
Latin American Payments: The Emerging View From South of the Border
Latin America—as a region and as ground being seeded for the future of payments—is vast, diverse, and resistant to attempts to bring it into homogeneity. The region encompasses around two dozen countries with their own currencies, monetary polic...
Incentivizing Consumers Toward Debit Payments with Rewards
Digital banks and some major issuers are incentivizing customers with debit rewards and other perks. The rewards, most commonly cashback, have proven popular with consumers and increased debit card spending. Retails and merchants are also reward...
Roles of Digital Assets Within Investment Strategies
As various cohorts of investors look for ways to outperform equities and inflation, an increasing number are turning toward products within the digital asset ecosystem. Participation in decentralized finance comes with a different set of protoco...
20th Annual U.S. Open-Loop Prepaid Card Market Forecast, 2023-2027
Open-loop prepaid programs continue to grow steadily after experiencing turbulence in the early part of the decade. This Javelin Strategy & Research report, the 20th annual assessment of the open-loop ecosystem, identifies a new period of signif...