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
Reports
2025 Merchant Payments Trends
Trends in merchant payments in 2025 and beyond, focusing on platform value, a deliberate AI approach, and the pressure on fintechs to deliver results.
2025 Prepaid Payments Trends
In 2025 and beyond, look for security enhancements, bigger B2B applications, and increased healthcare uses of prepaid products.
2025 Tech & Infrastructure Trends
In 2025, Javelin Strategy and Research expects a continuation of the change and disruption that defined this past year, with one important change. Banks that have sought to reimagine themselves in the image of technology companies will firmly em...
Navigating 1033: Technology Considerations for the New Rules of the Road
The long-awaited final rules under Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 present technology departments and tech leadership with a new set of compliance challenges that will require them to assess ...
2024 Mass-Market Credit Cards Scorecard
Mass-market credit cards must balance features and rates to attract average U.S. consumers. This Javelin Strategy & Research report benchmarks general-purpose credit cards by 10 major issuers with an eye toward the most appealing pitches across ...
21st Annual U.S. Closed-Loop Prepaid Card Market Forecast, 2024-2028
Closed-loop prepaid programs continue enjoying strong growth across the breadth of the industry. In this annual report, Javelin Strategy & Research takes a look at the market for closed-loop prepaid programs across a range of categories and iden...
2024 Commercial ePayables Scorecard
ePayables providers were assessed quantitatively and qualitatively across four categories: Supplier Enablement, Cross-Border, Ledger and Back-Office Integration, and Infrastructure and Architecture. This broad-based and robust evaluation allowed...
What Mobile Wallets Are Doing to Defend Against Competitive Threats
OS-based mobile wallets, particularly Apple’s, maintain the dominant share of the market. But challengers are coming in various alternative payment forms (such as account-to-account transactions) and in-app payments favored by merchants wishing ...
Walmart Pay-by-Bank: How the World’s Largest Retailer Could Transform Real-time A2A Payments
Walmart’s announcement that it will offer shoppers the option to check out with instant pay-by-bank payments beginning in 2025 is a major development for real-time payments, pay-by-bank, and the retail industry in the United States. As the world...
Stablecoins and the Path to Innovative Money Movement
Cryptocurrencies are making inconsistent progress in the United States. The regulatory environment, at best, sends mixed signals. Consumer attitudes are wary. Even as bitcoin values surge, viewpoints range from outright distrust sowed by scandal...