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
Credit Card Databook 2026
The credit card market, which appeared to be a candidate for saturation in recent years, continues to grow amid a resilient economy. Purchase volume reached $1.28 trillion in 2025, and credit cards remain the most popular payment vehicles among ...
Faster Funds by Fiat: A Global Comparison of Payment Timing Regulations
Governments want big businesses to pay suppliers faster, and they are using legislation to influence payment timing, with varying degrees of success. This report categorizes the main policy approaches, explains why some designs succeed while oth...
2026 Prepaid Payments Data Book
The Prepaid Card Data Book creates a baseline to highlight key metrics for the prepaid industry in brief, consolidated updates. This evaluation of the prepaid and stored-value market by Javelin Strategy & Research covers market estimates for the...
Agentic Commerce: Green Light or Flashing Yellow for Merchants?
Agentic commerce is forecasted to reach $500 billion in sales by 2030, but what’s driving that growth? Consumers will vote with their wallets on which product categories and sales channels will be winners and losers as this new technology gains ...
Agentic Commerce: Risks and Opportunities
AI-driven agentic commerce is beginning to reshape how consumers and businesses buy, pay, and interact.
Inside the $44B B2B Gift Card Engine: Javelin’s Big Reveal—Encore Edition
Back by popular demand, this encore session offers a deeper look at Javelin Strategy & Research’s newly released B2B Gift Card & Incentive Market Update, first unveiled at the RGCA Forum.
Chase Bites on Apple: Big Gets Bigger (and Probably Better)
JPMorgan Chase’s deal with Goldman Sachs to take over stewardship of the Apple Card sends both banks in the direction of their greatest strengths. JPMorgan Chase knows how to run a credit card program and can guide the Apple line toward growth a...
2026 Javelin Trends Webinars
Diving into the digital financial services trends and predictions our experts see coming in 2026.
Are Consumers Showing Interest in Direct Payments?
Javelin Strategy & Research’s data dives into consumer behavior show that consumers’ usage of and interest in lower-cost payment methods like account-to-account transactions and pay-by-bank remain a small piece of the overall payments picture, a...
22nd Annual U.S. Open-Loop Prepaid Card Market Forecast, 2025-2029
Open-loop prepaid programs show resilience and positive growth opportunities across nearly all market verticals. Javelin Strategy & Research continues its annual assessment of open-loop prepaid programs across a range of categories and identifie...