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


Prepaid Holiday Preview

Planning for the 2023 holiday season is in full swing. The market opportunity for gift cards looks optimistic, and shifting consumer behaviors and macroeconomic conditions could create an additional runway for digital products in the final push ...

A Mid-Year View of U.S. Credit Cards

  • Javelin Report
  • Date: July 24, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Changes are coming to the consumer credit card market, which will force issuers to try to get ahead of them. This Javelin Strategy & Research report looks at key market indicators of the mounting risk that could hurt issuers at the end of the ye...

Unused Value of Gift Cards: Breaking the Misconceptions

Join Javelin Strategy & Research’s Prepaid Director Jordan Hirschfield as he debunks the common misconception that gift cards and prepaid products often retain value that goes unused.

FIS is Selling Worldpay, So Now What?

In a four-year period, FIS has gone from purchasing merchant acquiring titan Worldpay for $43 billion to announcing plans to spin the company off to agreeing to sell a controlling stake in it at a greatly reduced valuation. This Javelin Strategy...

Building a Better Stablecoin

Unlike digital dollars, each stablecoin is unique when they are cryptographically minted and stored on a distributed ledger. Features such as programmability and near instantaneous settlement offer solutions to ecommerce, financial institutions,...

The Expanding Role of A2A Transactions

Account-to-account (A2A) transfers can flow on ACH rails, which can take a few days to process, or on instant payment rails. A2A transfers can disburse funds immediately with a wide application of uses, from insurance payouts to cash-outs from a...

Apple Savings and the Emerging Personal Payment Stack

Apple has launched Savings, a component of its financial ecosystem that positions it to become a personal payment stack service provider. The ability it has to keep customers within the “walled garden” of its popular devices offers great potenti...

Prepaid Healthcare Options Expanding

As U.S. consumers continue spending more on healthcare-related activities, using prepaid products becomes more valuable and impactful, creating opportunities for the entire ecosystem.

Unlocking the Power of Cross-Border Payments: Navigating Complexity, Mitigating Risks, and Driving Efficiency

Join Javelin's Al Bodine, Director of Commercial & Enterprise Payments, and Sophia Gonzalez, Debit Analyst, as they shed light on the intricacies of cross-border payments. Gain valuable insights into regulatory hurdles, foreign exchange risks, a...

Third-Party Comparison Websites: A Tried-and-True Method for Digital Marketing

  • Javelin Report
  • Date: June 13, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Third-party comparison websites are a formidable avenue of credit card marketing and consumers’ identification of which card products to pursue with their applications. It’s a marketplace that has evolved to include several large contenders, and...

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