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
From the Lab to the Lead: Analyzing Successful Changes in Innovation
Enterprise innovation has moved beyond labs, demos, and culture theater into a disciplined, business-anchored capability. Based on interviews with innovation leaders across payments and financial services, this report examines how accountability...
Instant, Faster and Same Day Payments: Where Speed is Grabbing Share
Ten years after the Federal Reserve set the U.S. faster-payments agenda in motion, the market is beginning to show what fit-for-purpose adoption looks like in practice. This report examines how real-time payments, Same Day ACH, and other faster-...
Small Business, Big Debit Opportunity: The FI Counter to P2P Fintechs
Small businesses are leveraging peer-to-peer apps for business purposes, and PayPal and Cash App are excelling in this space. Banks must not grow complacent. They should be competing by offering services like Zelle and tap-to-pay.
The Evolving ISOs: How Changes in Payments Influence Their Ongoing Shifts
Independent sales organizations (ISOs) are evolving as payments and point-of-sale technology become more complex. Once primarily focused on selling payment terminals, today’s ISOs serve as trusted advisors, helping merchants navigate advanced PO...
Self-Use Motivations Extend the Prepaid Payments Life Cycle
There’s been an intriguing shift in gift cards, which are no longer simply given by others. Consumers are buying prepaid cards for themselves to take advantage of companies’ rewards, make online purchases, and control their spending. Businesses ...
2026 Credit Card Risk: Happy Days are Here Again (For Top Issuers)
The year bodes well as 2026 approaches the end of the first quarter. Economic indicators are strong, the credit card market is growing at a healthy rate, and credit cards remain the dominant payment method as inflationary pressures drive h...
How Banks and Fintechs Are Jostling for Position in the New Data Access Economy
Financial data aggregators are losing ground as connectivity becomes a commodity and banks reassert control. The real battleground now lies in who can turn permissioned data into superior intelligence—fraud, risk, and analytics—while navigating ...
One Year On: Tariff Impacts on U.S. Imports and What They Mean for Treasury and Payments
The 2025 tariff regime triggered sharp, policy driven shifts in U.S. import patterns, with tariffs reliably pushing trade away from high duty lanes and toward lower duty or exempted alternatives. With the tariff framework subsequently overturned...
Vertical SaaS: Best Practices for Monetizing Payments
Electronic payments are increasingly important to businesses of all types and were one of the first value-added features software companies brought to their platforms. Ironically, even as independent software vendors recognize the growing import...
State of Debit 2026
Despite headwinds that include significant financial strain on consumers despite a broadly stable economy, debit remains resilient—especially among younger consumers and lower income households. Furthermore, co-branded rewards debit and small bu...