What shapes consumer transactions and payment technologies, and where is it going?

Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.

Payments Research


A New Era of Chargeback Management

The chargeback—a forced refund to a cardholder’s account that is initiated by the issuing bank—turns 50 years old later this year. The maneuver, legislated into existence to foster trust in card payments at a time when few consumers were using t...

Get Out Your Wallet: Gen Z Debit Payment Preferences 

Generation Z—those born from 1997 to 2012—is coming of age and moving steadily toward greater financial maturity. Members of this generation differ from their elders in significant ways, including a strong preference for debit and digital paymen...

Fleet Cards 2024: Small Fleets Are an Opportunity

Nothing stays the same for fuel card providers, or for the fleet operators that rely on them. Declining fuel costs in 2023 cut into fuel card companies’ revenues, sending them off in search of other growth opportunities. Some of those opportunit...

Fintech Investment Trends: Waiting for the Next Wave

The widespread pullback from fintech investment in 2023 is gone as the payments space plunges deeper into 2024, but the priorities have shifted. New and emerging fintechs are focused on different business opportunities, while leveraging differen...

The Real Potential of Payment Orchestration

“Payment orchestration” is a term with a lot of hype and, as yet, a hard-to-pin-down definition. The space is still nascent, without a true leading provider and without wide adoption by merchants. This Javelin Strategy & Research report looks be...

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

  • Impact Note
  • Date: February 22, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
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

  • Impact Note
  • Date: February 21, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
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 that ex...

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 ...

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