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


What Fintechs’ New Features Mean for the Holidays and Beyond

  • Impact Note
  • Date: November 14, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
The holiday shopping season is more than the make-or-break time for merchants. It’s also the time when their service providers—the firms that support their operations, marketing, and payment acceptance—roll out new features to help them get thro...

2024 Trends & Predictions: Commercial & Enterprise Payments

The increasing acceptance of card payments for payables, instant payments’ reach into cross-border business transactions, and the ongoing attempts to eliminate or curtail paper checks in business payments are catching the eye of Javelin Strategy...

2024 Trends & Predictions: Credit Payments

  • Javelin Report
  • Date: November 7, 2023
  • Author(s): Brian Riley
  • Research Topic(s): Credit
These are challenging times for the issuers of credit cards, the most common form of unsecured debt in the United States. With more than $1 trillion in revolving debt and $4 trillion in transaction throughput, the credit card industry must prepa...

2024 Trends & Predictions: Debit Payments

Consumers have been accustomed to making easy payments however they shop, whether in physical stores or online. That growing appetite for immediate, easy-to-execute payments will drive new use cases now that real-time payments are more widely av...

2024 Trends & Predictions: Digital Assets & Crypto

The world of digital assets and cryptocurrencies seems poised on the precipice of realizing more of its promise. Central banks continue dipping their toes into digital currencies, stablecoins are undergoing further development, testing, and depl...

2024 Trends & Predictions: Emerging Payments Technology

The Javelin Strategy & Research lookahead at the trends in emerging payments for 2024 and beyond brings into focus three areas that have already been the subject of much speculation. In the years ahead, look for generative AI—in many ways the te...

2024 Trends & Predictions: Merchant Payments

  • Javelin Report
  • Date: November 7, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
It’s an ever-evolving world of payments and payment options for merchants, whether they conduct business from a fixed location or in e-commerce. The dizzying array of options can be overwhelming to merchants of any size, but especially to small ...

2024 Trends & Predictions: Prepaid Payments

Issuers of prepaid products face many opportunities to refine their offerings in the coming years, including sharpening the commitment to and messaging about going green, looking to mass markets for chances to better connect with purchasers and ...

2024 Trends & Predictions: Tech & Infrastructure

A new wave of investment is coming to payments technology and infrastructure. In the year ahead, and beyond, look for the concept of “payment modernization” to take on greater definition and form as financial institutions grapple with a host of ...

International Commercial Credit Cards: Market Review and Forecast, 2022-2027

This annual Javelin Strategy & Research report examines the international commercial card market from a regional perspective. This report covers Western Europe, Asia Pacific, Latin America and the Caribbean, and Central and Eastern Europe. This ...

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