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
Cash Trends and Local Crime Drive Down ATM Volume
The humble ATM, once the center of the cash-disbursement universe, is facing a steady erosion in use. It has been battered by the pandemic—first, by an abrupt and permanent shift in consumer payment habits, and second, by a sharp rise in crimina...
The Post-COVID-19 Path for Prepaid Government Payments
The use of prepaid cards surged during the pandemic. Although the pandemic-related subsidies are disappearing, this Javelin Strategy & Research impact note demonstrates how new opportunities are emerging to continue to innovate and offer prepaid...
What’s Next for the PayFac Model
The model established by payment facilitators—known as PayFacs—enabled millions of businesses to accept a range of payments. Now, however, the model is maturing, prompting PayFacs to look at other avenues for growth and to deepen their merchant ...
The Global Regulatory Environment: Commercial Payments Still Rely on a Safe, Sound Traditional Banking System
The recent failures of Silicon Valley Bank and others have the global community once again calling into question the quality of bank regulations, the ability of government personnel to be stewards of those regulations, and the diligence of bank ...
Fleet Cards in 2023: An Industry in the Fast Lane
Fleet operators face a variety of challenges in fueling and maintaining their vehicles, and they have a range of payment options available to them, involving closed-loop and open-loop card products. New technology is coming fast to an industry t...
How Pay-by-Bank Could Shake Up Payments
As older payment methods recede, pay-by-bank is emerging as a contender at the point of sale. It allows consumers to continue using the funds in their checking accounts, as they do with ACH payments, but adds greater security with real-time auth...
Generative AI: It's Here, and It Defies Static Definition
Generative artificial intelligence is not just hype. It is a high-impact technology that requires the attention of leaders in every industry. Payments and financial services products and business models are at risk, but they will not be affected...
Expanding The Use of Prepaid for Underserved Communities
Prepaid cards continue to emerge as effective tools to address the financial needs of underbanked communities and cater to the particular requirements of developing underserved communities, including young people and those providing elder care. ...
Real-Time Payments at the Point of Sale
With the pending launch of the FedNow service in the United States, real-time payments (RTP) are poised to transform the way large numbers of Americans go about their transactions. Hosting RTP at the point of sale is a particularly attractive pr...
Private-Label Credit Cards: Still Relevant but Losing Luster
Private-label credit cards are an essential part of the U.S. card market, but they are a product in slow decline and face several threats, including instant point-of-sale financing and buy now, pay later loans.